Byline Bancorp

BY

Market cap $1.29B

Shares of Chicago-based Byline Bancorp have had a quiet few months, losing around 5% of their value since my opening piece in the summer. This performance contrasts sharply with developments at the business level, with Byline's quarterly EPS rising around 30% on the back of lower credit loss provisioning and net interest margin expansion. That said, Byline does have some headwinds on the horizon, including the impact of lower interest rates and regulatory issues associated with its size.

Byline Bancorp, Inc. (NYSE:BY ) Q3 2025 Earnings Call October 24, 2025 10:00 AM EDT Company Participants Brooks Rennie - Head of Investor Relations Alberto Paracchini - President & Director Roberto Herencia - Executive Chairman of the Board & CEO Thomas J. Bell - Executive VP, Treasurer & CFO Conference Call Participants David Long - Raymond James & Associates, Inc., Research Division Adam Kroll - Piper Sandler & Co., Research Division Brian Martin - Janney Montgomery Scott LLC, Research Division Brandon Rud - Stephens Inc., Research Division Matthew Renck - Keefe, Bruyette, & Woods, Inc., Research Division Ynyra Bohan Presentation Operator Good morning, and welcome to the Byline Bancorp Third Quarter 2025 Earnings Call.

While the top- and bottom-line numbers for Byline Bancorp (BY) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Byline Bancorp (BY) came out with quarterly earnings of $0.83 per share, beating the Zacks Consensus Estimate of $0.71 per share. This compares to earnings of $0.7 per share a year ago.

CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (NYSE: BY), today reported:         At or for the quarter   Third Quarter Highlights (compared to 2Q25 unless specified)       3Q25   2Q25   3Q24 Financial Results ($ in thousands)                     • Delivered solid third quarter results   Net interest income   $ 99,871   $ 95,970   $ 87,455   reflecting record revenues   Non-interest income     15,864     14,483     14,385       Total revenue(1)     115,735     110,453     101,840   • Completed.

CHICAGO, Oct. 07, 2025 (GLOBE NEWSWIRE) -- For the second year in a row, the Chicago Sun-Times has named Byline Bank one of Chicago's Best Workplaces. In the 2025 recognition, Byline ranks as one of the top 25 workplaces in the city and 5th among large companies, defined as those with more than 250 employees.

CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (NYSE: BY) announced today that it will issue its third quarter 2025 financial results after market close on Thursday, October 23, 2025. Byline Bancorp will also host a conference call and webcast at 9:00 a.m. Central Time on Friday, October 24, 2025 to discuss its financial results. Analysts and investors may participate in the question-and-answer session. Conference Call, Replay and Webcast Information: Date: Friday, October 24, 2025 Time: 9:00 a.

Byline Bancorp has a strong footprint in Chicago and will soon cross over the line for $10 billion in total assets. Byline's commercial loan portfolio and community banking focus in Chicago underpin its resilience and long-term growth prospects. Dividend yield is modest, but capital returns via share repurchases and consistent SBA lending recognition support continued shareholder value.

Byline also awarded 504 Third-Party Lender of the Year and Export Lender of the Year by the SBA's Illinois District Office. Byline also awarded 504 Third-Party Lender of the Year and Export Lender of the Year by the SBA's Illinois District Office.

CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (“Byline” or the “Company”) (NYSE: BY), the parent company of Byline Bank (the “Bank”), today announced the completion of a private placement of $75.0 million in aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”). The Company intends to use the net proceeds of the private placement of the Notes to redeem $75.0 million of outstanding 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030. The Note.