NYSE$BY

Byline Bancorp Inc · Q4 2024 earnings

Q4 2024 earnings · · Investor relations

Briefing

Reported net income for the fourth quarter and full year, with diluted earnings per share.

Byline Bancorp reported a net income of $30.3 million for the fourth quarter of 2024, resulting in $0.69 diluted earnings per share. The company's net interest income increased to $88.524 million, and total assets reached $9.5 billion.

  • Net income increased by $12.9 million, or 11.9% compared to the prior year.
  • Net interest income was up by $17.4 million, or 5.3%, with a NIM of 3.97%.
  • Total assets increased by $614.6 million, or 6.9%, reaching $9.5 billion.
  • Tangible book value per share increased by 11.7%, reaching $20.09.

Headline financials

Total Revenue

$105M

Previous: $101M+3.9%
EPS (adj)

$0.69

Previous: $0.73-5.5%
Capital Expenditures

-$2.1M

Previous: $1.01M-309.0%
Free Cash Flow

$49.4M

No prior period
Net Income

$30.3M

Previous: $29.6M+2.4%
Operating Income

$40.4M

Previous: $40M+1.0%

Revenue & EPS history

Byline Bancorp · Revenue · Quarterly

$105M

Q4 2024+3.9%vs Q4 2023
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

Byline Bancorp is committed to advancing its strategy, strengthening its franchise, and creating lasting value for its stockholders as it enters 2025. They are well positioned to support continued growth due to strong earnings and profitability.

Tailwinds

  • Deliver record full-year financial results
  • Add new banking talent
  • Attract new commercial customers to the Bank
  • Execute M&A strategy with pending acquisition of First Security Bancorp, Inc.
  • Commitment to driving long-term value

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 Q4 2024

Historical avgQ4 2024

+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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