Byline Bancorp, Inc. (BY) Earnings Call Transcripts

Byline Bancorp, Inc.'s Latest Earnings Call - Q1 FY2026

Byline Bancorp reported strong financial results for Q1 2026, with net income of $37.6 million and EPS of $0.83, representing growth of 8.9% and 9.2% respectively. Total revenues reached $112.4 million, supported by solid net interest income of $99.9 million despite a slight decline from the previous quarter. The company maintained a stable net interest margin of 4.33%. Management provided guidance for net interest income to range between $99 million and $101 million for Q2 2026, reflecting confidence in continued balance sheet growth and disciplined deposit pricing. The stock could be positively influenced by the company's robust capital position and efficient expense management, with an improved efficiency ratio of 49.8%.

Reported metrics

Guidance from management

Management expects net interest income to range between $99 million and $101 million in Q2 2026, with mid-single-digit loan growth for the full year. Expense guidance remains unchanged at $58 million to $60 million per quarter.

What management said

Great. Thank you, Brooks. Good morning, and welcome to Byline's first quarter earnings call. We appreciate all of you taking the time to join the call this morning. With me today are Chairman and CEO, Roberto Herencia, our CFO, Tom Bell; and our Chief Credit Officer, Mark Fucinato. Before we get started, I'd like to pass the call over to Roberto for his comments. Roberto?

Thank you, Tom. So to wrap up, we were pleased with our results and performance for the quarter. Notwithstanding the level of uncertainty in the environment, we're optimistic in our ability to execute our strategy continue to grow the business and deliver value to shareholders. In terms of the outlook, pipelines remains at solid levels across our businesses, and we remain well positioned to take advantage of opport...

What analysts pressed on

Analysts expressed concerns about the impact of macroeconomic factors on loan production and the competitive landscape for deposits. Questions were raised about the sustainability of deposit growth and the potential impact of the Durbin amendment in 2027.

Main topics on the call

• Net Income and EPS Growth — Byline Bancorp reported net income of $37.6 million and EPS of $0.83, marking an 8.9% and 9.2% increase respectively. Management highlighted strong profitability metrics, including an ROA of 156 basis points and ROTCE of...
• Net Interest Margin Stability — The net interest margin remained stable at 4.33%, with net interest income slightly down by 1% from the prior quarter but up 13% year-over-year. Management attributed this stability to disciplined deposit pricing and a b...
• Loan and Deposit Growth — Total deposits increased by 8.2% annualized to $7.8 billion, while loan balances were slightly lower due to payoffs exceeding new originations. Management expects mid-single-digit loan growth for the full year.
• Expense Management — Expenses were well-managed at $57 million, down 5.3% from the prior quarter, leading to an improved efficiency ratio of 49.8%. Management maintained full-year expense guidance at $58 million to $60 million per quarter.

Read the full Byline Bancorp, Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 29 Byline Bancorp, Inc. earnings call transcripts on record, spanning January 24, 2020 to July 24, 2026. Based on this history, Byline Bancorp, Inc. reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

BY

Exchange

NYSE

Country

US

Sector

Financials

Industry

Banks

Calls on record

29

First call

January 24, 2020

Most recent

July 24, 2026

Reporting cadence

quarterly