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Byline Bancorp (BY) Reports Q3 Earnings: What Key Metrics Have to Say
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For the quarter ended September 2026, Byline Bancorp (BY - Free Report) reported revenue of $121.01 million, up 4.6% over the same period last year. EPS came in at $0.94, compared to $0.83 in the year-ago quarter.
The reported revenue represents a surprise of +3.47% over the Zacks Consensus Estimate of $116.95 million. With the consensus EPS estimate being $0.82, the EPS surprise was +14.63%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Byline Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 48.4% versus 50.4% estimated by four analysts on average.
Net Interest Margin: 4.3% versus the four-analyst average estimate of 4.3%.
Net charge-offs of loans and leases: 0.3% versus the three-analyst average estimate of 0.4%.
Average Balance - Total interest-earning assets: $9.51 billion versus $9.54 billion estimated by three analysts on average.
Tier 1 capital ratio: 14.3% versus 14% estimated by two analysts on average.
Net gains on sales of loans: $5.8 million versus $5.63 million estimated by four analysts on average.
Total Non-Interest Income: $17.33 million versus $15.13 million estimated by four analysts on average.
Net Interest Income: $103.68 million compared to the $101.8 million average estimate based on three analysts.
ATM and interchange fees: $1.29 million versus the three-analyst average estimate of $1.04 million.
Fees and service charges on deposits: $2.93 million versus the three-analyst average estimate of $2.97 million.
Net interest income, fully taxable equivalent: $103.84 million versus $101.6 million estimated by two analysts on average.
Wealth management and trust income: $1.39 million versus the two-analyst average estimate of $1.37 million.
Shares of Byline Bancorp have returned +1.4% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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Byline Bancorp (BY) Reports Q3 Earnings: What Key Metrics Have to Say
For the quarter ended September 2026, Byline Bancorp (BY - Free Report) reported revenue of $121.01 million, up 4.6% over the same period last year. EPS came in at $0.94, compared to $0.83 in the year-ago quarter.
The reported revenue represents a surprise of +3.47% over the Zacks Consensus Estimate of $116.95 million. With the consensus EPS estimate being $0.82, the EPS surprise was +14.63%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Byline Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Byline Bancorp here>>>
Shares of Byline Bancorp have returned +1.4% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.