BY · Byline Bancorp, Inc.
$37.63
-0.11 (-0.29%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$1.67B
Shares
45.19M
Volume · Oct 5
183.17K
Avg daily vol (3M)
272.56K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$37.74
Open$37.35
Day$37.30–37.84
52W close$25.72–39.78
Avg vol 30d277K
Short int1.2M · 2.6% float · 3.6d
Short vol61%
Last earningsOct 23, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 6
Up next
Next earnings release
Oct 22, 2026
Announced
· in 2 wks
Next earnings call
Oct 23, 2026
Scheduled
· in 2 wks
filed Aug 6, 2026
call held Jul 24, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$462.85M
Trailing 12 months
Net income (TTM)
$149.48M
Trailing 12 months
Revenue growth YoY
+6.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
11.4
Trailing earnings · reciprocal yield 8.8%
FCF yield
9.7%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-1.5%
Year over year · fewer shares
Price change (1Y)
+37.9%
Trailing year
Short interest
2.6%
Latest settlement · 3.6 days to cover
AI Brief
Q2 FY26 earnings call · Jul 24, 2026
Q2 FY26
TL;DR. Byline Bancorp posted record Q2 2026 net income of $40.2 million ($0.90 diluted EPS, $0.91 adjusted) with revenue up 4.7% and the adjusted efficiency ratio improving to 46.51% (best as a public company); the Board approved a 16.7% dividend hike to $0.14/share.
Bullish
- + Record quarterly net income of $40.2 million with diluted EPS of $0.90 (adjusted $0.91, up 21% Y/Y).
- + Revenue up 4.7% while expenses fell 1.2%, driving a 327 bps improvement in adjusted efficiency ratio to 46.51% (best as a public company) and 15th consecutive quarter of PTPP ROAA above 2%.
- + Board approved a 16.7% increase in the quarterly dividend to $0.14 per share, reflecting capital strength.
- + Credit quality improved: net charge-offs fell to 0.24% from 0.32% LQ and 0.43% Y/Y, criticized loans declined to 3.9% from 4.5%, and ACL coverage remained solid at 1.48%.
Bearish
- − Net interest margin compressed 5 bps to 4.28% on higher funding costs and earning-asset mix changes.
- − Competition for both loans and deposits has intensified, pressuring spreads and funding costs in a 'higher for longer' rate environment.
- − Non-performing assets increased $2.1 million LQ to $72.2 million (0.73% of total assets) on higher non-accrual loans.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.59
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
−2%
below
RSI (14)
51
neutral
MACD trend
Positive
52-week position
85%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+13%
trailing
YTD return
+29%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $38 › 200d $34 — 50d above 200d
Institutional flow
Flat
1 of 208 funds reported for Sep 30 · net 0 sh shares
Insider flow
Distributing
Net -$24.3M over 90 days · 67% sells
Short interest
Rising
2.57% of float · ▲ +17.7% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
208 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
EPS growth
+5%
Y/Y
Free cash flow
$136.3M
Valuation
P/E 11.1
below peers
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−10%
past year
ATR
1.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Sep 30, 2021
Expenses
· moving to the $43 to $46 million range
$43M – $46M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
51
Neutral
MACD trend
Positive
Bullish
52-week position
85%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $38 › 200d $34 — 50d above 200d
Institutional flow
Flat
1 of 208 funds reported for Sep 30 · net 0 sh shares
Insider flow
Distributing
Net -$24.3M over 90 days · 67% sells
Short interest
Rising
2.57% of float · ▲ +17.7% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
208 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $26
Now $38 · 85%
Range high $40
vs 200-day avg +10%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted Diluted Earnings per Share non-GAAP | $0.91 | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Reported Diluted Earnings per Share $0.9
+$0 Merger-related expense
+$0 Secondary public offering of common stock expenses
+$0.01 Impairment charges on assets held for sale
+$0 Tax benefit
= Adjusted Diluted Earnings per Share $0.91
|
|||
| Adjusted efficiency ratio non-GAAP | 46.51% | the three months ended June 30, 2026 filing | — |
| Adjusted Net Income non-GAAP | $40.55M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Reported Net Income 40.18M
+0K Merger-related expense
+0K Secondary public offering of common stock expenses
+496K Impairment charges on assets held for sale
-130K Tax benefit
= Adjusted Net Income 40.55M
|
|||
| Adjusted non-interest expense non-GAAP | $55.98M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Non-interest expense 56.48M
+0K Merger-related expenses
+0K Secondary public offering of common stock expenses
-496K Impairment charges on assets held for sale
= Adjusted non-interest expense 55.98M
|
|||
| Adjusted non-interest expense excluding amortization of intangible assets non-GAAP | $54.75M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Adjusted non-interest expense 55.98M
-1.24M Amortization of intangible assets
= Adjusted non-interest expense excluding amortization of intangible assets 54.75M
|
|||
| Adjusted non-interest expense to average assets non-GAAP | 2.27% | the three months ended June 30, 2026 filing | — |
| Adjusted pre-tax pre-provision net income non-GAAP | $61.73M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Pre-tax pre-provision net income 61.23M
+0K Add: Merger-related expenses
+0K Add: Secondary public offering of common stock expenses
+496K Add: Impairment charges on assets held for sale
= Adjusted pre-tax pre-provision net income 61.73M
|
|||
| Adjusted return on average assets non-GAAP | 1.65% | the three months ended June 30, 2026 filing | — |
| Adjusted return on average tangible common stockholders' equity non-GAAP | 14.6% | the three months ended June 30, 2026 filing | — |
| Adjusted tangible net income non-GAAP | $41.46M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Tangible net income 41.09M
+0K Add: Merger-related expenses
+0K Add: Secondary public offering of common stock expenses
+496K Add: Impairment charges on assets held for sale
-130K Add: Tax benefit on significant items
= Adjusted tangible net income 41.46M
|
|||
| Efficiency ratio | 46.93% | the three months ended June 30, 2026 filing | — |
| Net interest income, fully taxable equivalent non-GAAP | $101.01M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 100.84M
+178K Add: Tax-equivalent adjustment
= Net interest income, fully taxable equivalent 101.01M
|
|||
| Pre-tax pre-provision net income non-GAAP | $61.23M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Pre-tax income 54.07M
+7.16M Provision for credit losses
= Pre-tax pre-provision net income 61.23M
|
|||
| Return on average tangible common stockholders' equity non-GAAP | 14.47% | the three months ended June 30, 2026 filing | — |
| Tangible net income non-GAAP | $41.09M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income 40.18M
+912K Add: After-tax intangible asset amortization
= Tangible net income 41.09M
|
|||
| Total revenues non-GAAP | $117.71M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BY
this stock
Byline Bancorp, Inc.
|
$1.67B | +29.5% | — | 11.1 | 2.6% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BY | +0.8% | -2.5% | +13.0% | +2.5% | +29.5% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +1.0% | -2.1% | +0.8% | +1.6% | +16.6% |
Capital returns
Buyback program
· as of Dec 11, 2025
Authorized
shares 2.25M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.