Byline Bancorp (BY) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - Byline Bancorp reported revenue of $117.01 million for the quarter ended December 2025, reflecting an 11.8% increase year-over-year and a surprise of +5.13% over the Zacks Consensus Estimate of $111.3 million [1] - The earnings per share (EPS) for the quarter was $0.76, up from $0.69 in the same quarter last year, with an EPS surprise of +6.04% compared to the consensus estimate of $0.72 [1] Financial Performance Metrics - Efficiency Ratio was reported at 50.3%, better than the estimated 52.5% by three analysts [4] - Net Interest Margin stood at 4.4%, exceeding the average estimate of 4.2% from three analysts [4] - Average Balance of Total interest-earning assets was $9.23 billion, slightly below the two-analyst average estimate of $9.39 billion [4] - Net charge-offs of loans and leases were at 0.4%, matching the two-analyst average estimate [4] - Net Interest Income was reported at $101.26 million, surpassing the three-analyst average estimate of $99.04 million [4] - Net gains on sales of loans reached $5.39 million, significantly higher than the three-analyst average estimate of $3.83 million [4] - Total Non-Interest Income was $15.75 million, exceeding the three-analyst average estimate of $13.82 million [4] - Fees and service charges on deposits were reported at $2.8 million, slightly below the estimated $2.82 million by two analysts [4] - Wealth management and trust income was $1.32 million, below the two-analyst average estimate of $1.39 million [4] - ATM and interchange fees were reported at $0.98 million, lower than the estimated $1.1 million by two analysts [4] Stock Performance - Byline Bancorp shares have returned +5.9% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]