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Byline Bancorp (BY) investor relations material
Byline Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Achieved net income of $37.2 million ($0.82 per diluted share) for Q3 2025, with adjusted net income of $37.8 million and adjusted EPS of $0.83, marking 12 consecutive quarters of strong financial performance.
Total revenue reached $116 million, up 13.6% year-over-year and 4.8% sequentially, driven by higher net interest and non-interest income.
Board declared a $0.10 per share cash dividend, payable November 18, 2025.
Completed a $75 million subordinated debt offering at 6.875%.
Recognized with multiple workplace and SBA awards, reflecting high employee engagement and low turnover.
Financial highlights
Net interest income reached $99.9 million, up 4.1% from prior quarter; net interest margin expanded to 4.28%.
Non-interest income was $15.9 million, up 9.5% quarter-over-quarter, driven by $7 million gain on loan sales.
Non-interest expense was $60.5 million, up 1.5% from prior quarter, mainly due to higher incentive compensation and a $843,000 debt extinguishment cost.
Efficiency ratio improved to 51% (reported), with adjusted efficiency ratio at 50.27%.
Tangible book value per share increased 4.7% sequentially to $22.58.
Outlook and guidance
Expecting mid-single digit loan growth in Q4; net interest income guidance for Q4 is $97–$99 million, factoring in anticipated Fed rate cuts.
Non-interest expense expected to remain in Q3’s range for Q4; incentive compensation may reset lower in 2026.
Anticipates crossing $10 billion in assets in Q1 2026, with Durbin and higher insurance cost impacts deferred until 2027.
Strategic priorities include maintaining top quartile profitability, growing low-cost core deposits, and dynamic interest rate management.
Management remains focused on executing its commercial banking strategy and expects continued growth in loans, deposits, and fee revenue.
Q4 gain on sale impact from SBA shutdown?
Durbin impact post $10B asset threshold?
Commercial payments business 2026 scaling?
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Next Byline Bancorp earnings date
Q4 202523 Jan, 2026
Next Byline Bancorp earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers deposit products, such as interest-bearing demand accounts with interest rates varying based on account balance; non-interest bearing accounts; sweep accounts; money market accounts; certificates of deposit; and retirement accounts. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.
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