Byline Bancorp, Inc. 3Q24 Earnings Presentation Forward-Looking Statements 2 Forward-Looking Statements This communication contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of the Company. These statements are often, but not always, made through the use of words or phrases such as ' ...

Core Insights - Byline Bancorp reported a revenue of $101.84 million for the quarter ended September 2024, reflecting a decrease of 2.9% year-over-year, with EPS at $0.70 compared to $0.77 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $101.67 million by 0.17%, while the EPS surpassed the consensus estimate of $0.65 by 7.69% [1] Financial Performance Metrics - Efficiency Ratio stood at 52%, better than the average estimate of 53% from three analysts [2] - Net Interest Margin was reported at 3.9%, matching the average estimate of 3.9% [2] - Average Balance of Total Interest-Earning Assets was $8.96 billion, exceeding the average estimate of $8.85 billion from two analysts [2] - Net charge-offs of loans and leases were 0.5%, slightly higher than the average estimate of 0.4% [2] - Net Interest Income reached $87.46 million, above the average estimate of $86.74 million from three analysts [2] - Net gains on sales of loans were $5.86 million, below the average estimate of $6.10 million from three analysts [2] - Total Non-Interest Income was $14.39 million, lower than the average estimate of $14.90 million from three analysts [2] - Fees and service charges on deposits amounted to $2.59 million, slightly below the average estimate of $2.60 million from two analysts [2] - Wealth management and trust income was $1.10 million, exceeding the average estimate of $0.97 million from two analysts [2] - ATM and interchange fees totaled $1.14 million, compared to the average estimate of $1.21 million from two analysts [2] Stock Performance - Byline Bancorp's shares have returned +2.4% over the past month, outperforming the Zacks S&P 500 composite's +1.5% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Core Insights - Byline Bancorp reported quarterly earnings of $0.70 per share, exceeding the Zacks Consensus Estimate of $0.65 per share, but down from $0.77 per share a year ago, indicating a 9.09% year-over-year decline [1] - The company achieved an earnings surprise of 7.69% for the quarter and has surpassed consensus EPS estimates in all four of the last quarters [1] - Revenues for the quarter were $101.84 million, slightly above the Zacks Consensus Estimate by 0.17%, but down from $104.83 million year-over-year, reflecting a 2.36% decline [1] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.65, with expected revenues of $102.2 million, while the estimate for the current fiscal year is $2.67 on revenues of $404.43 million [4] - The trend of estimate revisions for Byline Bancorp has been unfavorable, leading to a Zacks Rank of 4 (Sell), suggesting expected underperformance in the near future [4] Market Performance - Byline Bancorp shares have increased by approximately 13.5% since the beginning of the year, compared to a 21.5% gain in the S&P 500 [2] - The performance of Byline Bancorp is influenced by the overall outlook of the Banks - Northeast industry, which is currently in the top 19% of over 250 Zacks industries [5]

Exhibit 99.1 (1) Total deposits $ 7,497,887 $ 7,347,181 $ 6,953,690 Total loans and leases 6,899,401 6,904,564 6,620,602 • NIE/AA 2.31%, down three bps Net charge-offs 8,467 9,514 5,430 Allowance for credit losses (ACL) 98,860 99,730 105,696 • Adjusted efficiency ratio of 51.62% , ACL to total loans and leases held for investment 1.44% 1.45% 1.60% down by 57 bps (1) Byline Bancorp, Inc. Reports Third Quarter 2024 Financial Results Net income of $30.3 million, $0.69 diluted earnings per share Chicago, IL, Oc ...

Investors in Byline Bancorp, Inc. (BY) need to pay close attention to the stock based on moves in the options market lately. That is because the Dec 20, 2024 $20 Put had some of the highest implied volatility of all equity options today. What is Implied Volatility? Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also ...

CHICAGO, Aug. 01, 2024 (GLOBE NEWSWIRE) -- Byline Bank has been named one of the 2024-2025 Best Companies to Work For In The Midwest by U.S. News & World Report, the global authority in rankings and consumer advice. Byline Bank was rated among top companies in the Midwest on factors contributing to job seekers' decisionmaking when choosing a workplace that best meets their needs. "We are honored to be named a top workplace by U.S. News & World Report," said Dana Rose, Chief Human Resources Officer at Byline ...

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The Finance group has plenty of great stocks, but investors should always be looking for companies that are outperforming their peers. Has Byline Bancorp (BY) been one of those stocks this year? A quick glance at the company's year-to-date performance in comparison to the rest of the Finance sector should help us answer this question. Byline Bancorp is a member of our Finance group, which includes 862 different companies and currently sits at #3 in the Zacks Sector Rank. The Zacks Sector Rank considers 16 d ...

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Byline Bancorp, Inc. (NYSE:BY) Q2 2024 Earnings Conference Call July 26, 2024 10:00 AM ET Company Participants Brooks Rennie - Head of IR Alberto Paracchini - President Roberto Herencia - Chairman and CEO Tom Bell - CFO Mark Fucinato - Chief Credit Officer Conference Call Participants Nathan Race - Piper Sandler Brendan Nosal - Hovde Group Damon DelMonte - KBW Terry McEvoy - Stephens David Long - Raymond James Operator Good morning and welcome to the Byline Bancorp Second Quarter 2024 Earnings Call. My name ...