NYSE$BY

Byline Bancorp Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Byline Bancorp reported Q3 2025, revenue of $285M, net income of $52M, diluted EPS of $1.45.

For Q3 2025, Byline Bancorp reported revenue of $285M, net income of $52M, diluted EPS was $1.45. Management discusses segment performance, liquidity, and outlook in the quarterly filing.

  • Revenue $285M.
  • Net income $52M.
  • Diluted EPS $1.45.

Headline financials

Total Revenue

$116M

Previous: $102M+13.6%
EPS (adj)

$1.45

Previous: $0.69+110.1%
Capital Expenditures

-$3.48M

Previous: -$1.89M-84.0%
Free Cash Flow

$33.7M

Previous: $28.4M+18.6%
Net Income

$37.2M

Previous: $30.3M+22.7%
Operating Income

$46.5M

Previous: $25.7M+80.5%
Gross Profit

$105M

Previous: $94.4M+11.6%

Revenue & EPS history

Byline Bancorp · Revenue · Quarterly

$116M

Q3 2025+13.6%vs Q3 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 filing discusses Byline Bancorp's outlook, capital allocation, and key risks for upcoming periods, including guidance or operating priorities where disclosed.

Tailwinds

  • Byline Bancorp cites execution and demand trends supporting the outlook.
  • Liquidity and balance-sheet capacity support operations and returns.
  • Net interest income and credit quality support the banking outlook.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability.
  • Interest-rate moves and deposit competition affect net interest margin.

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 Q3 2025

Historical avgQ3 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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