Compared to Estimates, Byline Bancorp (BY) Q3 Earnings: A Look at Key Metrics

Core Insights - Byline Bancorp reported a revenue of $115.74 million for the quarter ended September 2025, reflecting a year-over-year increase of 13.6% [1] - The company's EPS was $0.83, up from $0.70 in the same quarter last year, exceeding the consensus estimate of $0.71 by 16.9% [1] Financial Performance Metrics - Efficiency Ratio stood at 51%, slightly better than the average estimate of 51.3% from three analysts [4] - Net Interest Margin was reported at 4.3%, surpassing the estimated 4.1% [4] - Average Balance of Total Interest-Earning Assets was $9.29 billion, close to the average estimate of $9.34 billion [4] - Net charge-offs of loans and leases were at 0.4%, matching the average estimate [4] - Net Interest Income reached $99.87 million, exceeding the average estimate of $95.99 million [4] - Net gains on sales of loans were $6.98 million, higher than the average estimate of $5.26 million [4] - Total Non-Interest Income was reported at $15.86 million, above the average estimate of $14.98 million [4] - Fees and service charges on deposits amounted to $2.74 million, slightly above the estimated $2.72 million [4] - Wealth management and trust income was $1.37 million, exceeding the average estimate of $1.08 million [4] - ATM and interchange fees were reported at $1.02 million, below the estimated $1.18 million [4] Stock Performance - Byline Bancorp's shares have returned -4.7% over the past month, contrasting with the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]