NYSE$BY

Byline Bancorp Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Byline Bancorp reported Q1 2025 revenue of $134.8M, net income of $28.2M, diluted EPS of $0.64.

For Q1 2025, Byline Bancorp reported Revenue was $134.8M, net income was $28.2M, diluted EPS was $0.64. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $134.8M for Q1 2025.
  • Net income $28.2M.
  • Diluted EPS $0.64.

Headline financials

Total Revenue

$103M

Previous: $101M+2.0%
EPS (adj)

$0.64

Previous: $0.70-8.6%
Return on Average Stockholders' Equity

10.3%

No prior period
Efficiency Ratio

53.7%

No prior period
Net Interest Margin

4.1%

No prior period
Return on Average Assets

1.3%

No prior period
Return on Average Tangible Common Stockholders' Equity

12.9%

No prior period
Common Equity to Total Assets

11.8%

No prior period
Tangible Common Equity to Tangible Assets

9.9%

No prior period
Common Equity Tier 1 Capital Ratio

11.8%

No prior period
Total Deposits Growth

94700.0%

No prior period
Total Loans and Leases Growth

137100.0%

No prior period
Capital Expenditures

-$2.01M

Previous: -$512K-293.0%
Net Income

$28.2M

Previous: $30.4M-7.2%
Operating Income

$37.5K

Previous: $38.4M-99.9%

Revenue & EPS history

Byline Bancorp · Revenue · Quarterly

$103M

Q1 2025+2%vs Q1 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

Byline Bancorp · $80.7M total across 2 segments · Q4 2021

  • Net Interest Income
    $61.7M
  • Non-Interest Income
    $19M

Forward guidance

The quarterly filing discusses operating priorities, liquidity, and sector-specific risks.

Tailwinds

  • Management outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.9%

Avg return

Earnings day

+0.9%

Avg return

5 days after

+3.3%

Avg return

30 days after

62%

26 / 42 earnings

Positive

+9.3%

Q4 2020

Best reaction

-14.7%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.2%-2.0%-0.4%
Q4 2025-2.7%-2.3%+4.5%
Q3 2025+5.7%+1.1%+3.6%
Q2 2025-1.6%+0.8%+5.6%
Q1 2025-0.2%-0.5%+0.8%
Q4 2024+3.1%+3.5%+2.3%
Q3 2024+0.5%+2.6%+19.5%
Q2 2024+2.8%-1.2%-2.1%
Q1 2024+1.6%+1.1%+8.6%
Q4 2023-3.9%-3.5%-9.7%
Q3 2023+0.5%+1.9%+10.0%
Q2 2023+7.7%+5.5%+1.1%
Q1 2023+1.6%-5.1%-4.4%
Q4 2022+6.8%+9.3%+9.0%
Q3 2022+2.6%+0.5%-1.8%
Q2 2022-3.5%-9.7%-11.3%
Q1 2022+0.9%+2.2%+6.9%
Q4 2021-4.3%-2.9%-0.7%
Q3 2021+4.7%+6.5%+8.0%
Q2 2021+7.1%+5.2%+11.5%
Q1 2021+4.0%+5.8%+5.7%
Q4 2020+9.3%+14.7%+35.5%
Q3 2020+3.5%-0.1%+11.0%
Q2 2020+7.3%+6.7%-1.7%
Q1 2020-14.7%-18.1%-7.0%
Q4 2019-1.3%-1.4%-5.1%
Q3 2019-3.2%-3.6%+1.5%
Q2 2019-1.6%+0.2%-10.9%
Q1 2019+1.2%+2.6%-1.8%
Q4 2018+1.9%+6.1%+15.7%
Q3 2018+6.7%+14.1%+8.8%
Q2 2018+0.2%+0.4%+7.2%
Q1 2017-0.6%+2.6%+3.2%
Q1 2018-5.9%-5.9%-2.9%
Q4 2015-1.7%+0.3%-6.1%
Q4 2017+0.9%+0.8%+1.9%
Q3 2016-0.9%-0.6%+7.9%
Q3 2017-2.0%-2.6%-4.1%
Q2 2016+2.3%+2.1%+6.0%
Q1 2016+2.3%+2.1%+6.0%
Q4 2016+2.3%+2.1%+6.0%
Q2 2017-0.7%-2.6%+2.0%

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