Sep 2026 (Q3 FY26) — Oct 23, 2026
Byline Bancorp Q3 FY26 — Record Net Income and Revenue, Strategic Acquisition, and Capital Return
Read the full callByline Bancorp earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 40.2 | +33.6% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
3 of 3 judged targets kept · 11 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| net interest income | $100 million to $102 million | Jun 2026 | We had record high net interest income of $103.7 million, up 3% from the prior quarter, primarily due to higher income from investment securities, reduced wholesale funding costs and the additional day in the quarter. | Achieved |
| non-interest expense | $59 million to $60 million | Jun 2026 | Looking ahead to Q4, our noninterest expense guidance will be higher at $62 million to $64 million, which reflects higher incentive compensation, benefit costs and marketing expense. | Revised Down |
| Annual effective tax rate | 25.5% range | Sep 2026 | Looking ahead to 2027, we currently estimate our annual effective tax rate to be in the 25.5% range. | New |
11 of BYLINE BANCORP, INC.'s 14 targets are still open. See which are on track and which have gone quiet. The 3 above are the free sample; 11 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $26.94 on 22 Oct 2025 → $38.4. High $39.78 (3 Aug 2026), low $26.44 (18 Nov 2025).
Overview
Guidance
3 of 3 judged targets kept · 11 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| net interest income | $100 million to $102 million | Jun 2026 | We had record high net interest income of $103.7 million, up 3% from the prior quarter, primarily due to higher income from investment securities, reduced wholesale funding costs and the additional day in the quarter. | Achieved |
| non-interest expense | $59 million to $60 million | Jun 2026 | Looking ahead to Q4, our noninterest expense guidance will be higher at $62 million to $64 million, which reflects higher incentive compensation, benefit costs and marketing expense. | Revised Down |
| Annual effective tax rate | 25.5% range | Sep 2026 | Looking ahead to 2027, we currently estimate our annual effective tax rate to be in the 25.5% range. | New |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 14 tracked commitments, with each call’s wording and source.
Call summaries
Byline Bancorp Q3 FY26 — Record Net Income and Revenue, Strategic Acquisition, and Capital Return
Read the full callByline Bancorp Q2 FY26 — Record Net Income and Strong Efficiency
Read the full callEvery analysed call
Financials
Net profit, year on year: +34% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 40 | 40 | 37 | 39 | 50 | 47 | 50 | 54 |
| Tax rate | 24.3% | 24.9% | 24.6% | 22.7% | 25.5% | 26.4% | 24.4% | 25.7% |
| Net profit | 30 | 30 | 28 | 30 | 37 | 35 | 38 | 40 |
| EPS ($ per share) | 0.70 | — | 0.65 | 0.66 | 0.82 | — | 0.84 | 0.90 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 103 | 159 | 191 | 272 | 336 | 429 | 534 | 646 |
| Total liabilities | 4,292 | 4,772 | 5,585 | 5,860 | 6,597 | 7,892 | 8,405 | 8,385 |
| Fixed assets | 98 | 96 | 87 | 63 | 57 | 67 | 61 | 58 |
| Total assets | 4,943 | 5,522 | 6,391 | 6,696 | 7,363 | 8,882 | 9,497 | 9,653 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 80 | 29 | 109 | 74 | 220 | 166 | 175 | 140 |
| Cash from investing | -369 | -251 | -886 | -236 | -820 | -336 | -331 | -224 |
| Cash from financing | 353 | 180 | 780 | 236 | 621 | 217 | 493 | -331 |
| Net cash flow | 64 | -41 | 3 | 75 | 21 | 47 | 337 | -414 |
| Capital expenditure | -3 | -4 | -4 | -2 | -4 | -4 | -4 | -4 |
| Free cash flow | 77 | 25 | 105 | 72 | 217 | 162 | 171 | 136 |
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 4.28%Our margin declined slightly for the quarter largely due to mixed changes but remained stable and healthy at 4.28%.Source: earnings call transcript | 4.33%The net interest margin increased 5 basis points to 4.33%.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
67 filings between Oct 28, 2025 and Aug 19, 2026.
Purchases
$59.7K
7 purchases by 4 insiders
Sales
$25.10M
7 sales by 6 insiders
Also filed: 2 other filings, 1 disposition to issuer.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| DEL VALLE PEROCHENA ANTONIO | — | $11.73M | Aug 7, 2026 |
| MBG INVESTORS I, L.P. | — | $11.73M | Aug 7, 2026 |
| HERENCIA ROBERTO R | — | $774.3K | Aug 13, 2026 |
| ABRAHAM THOMAS | — | $629.1K | Oct 28, 2025 |
| Barkidjija John | — | $145.8K | Feb 26, 2026 |
| Rose Dana | — | $94.4K | Aug 12, 2026 |
| Doran Brian F | $24.8K | — | Feb 17, 2026 |
| HERSETH MARY JO S. | $20.8K | — | Aug 19, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 19, 2026 | KISTNER WILLIAM G Director | Purchase | 100 | $3.8K |
| Aug 19, 2026 | HERSETH MARY JO S. Director | Purchase | 300 | $11.5K |
| Aug 13, 2026 | HERENCIA ROBERTO R CHIEF EXECUTIVE OFFICER | Sale | 19,750 | $774.3K |
| Aug 12, 2026 | Rose Dana CHIEF HUMAN RESOURCES OFFICER | Sale | 2,421 | $94.4K |
| Aug 7, 2026 | DEL VALLE PEROCHENA ANTONIO Director | Sale | 300,000 | $11.73M |
| Aug 7, 2026 | MBG INVESTORS I, L.P. 10% owner | Sale | 300,000 | $11.73M |
| Aug 3, 2026 | Ptacin Brogan HEAD OF COMMERCIAL BANKING | Award | 9,450 | $120.0K |
| Aug 3, 2026 | Ptacin Brogan HEAD OF COMMERCIAL BANKING | Disposition to issuer | 9,450 | $374.3K |
| Jun 8, 2026 | SACRISTAN CARLOS RUIZ Director | Award | 1,533 | $0 |
| Jun 8, 2026 | Hugues Velez Margarita Director | Award | 1,533 | $0 |
| Jun 2, 2026 | Hugues Velez Margarita Director | Tax withheld | 530 | $17.7K |
| May 4, 2026 | KISTNER WILLIAM G Director | Purchase | 100 | $3.2K |
| Apr 16, 2026 | ABRAHAM THOMAS PRESIDENT, SBC | Award | 2,406 | $0 |
| Mar 16, 2026 | HERSETH MARY JO S. Director | Purchase | 300 | $9.2K |
| Feb 26, 2026 | Barkidjija John HEAD OF CRE & SPECIALTY FIN | Sale | 4,509 | $145.8K |
| Feb 22, 2026 | Barkidjija John HEAD OF CRE & SPECIALTY FIN | Award | 2,234 | $0 |
| Feb 22, 2026 | Barkidjija John HEAD OF CRE & SPECIALTY FIN | Tax withheld | 1,311 | $43.4K |
| Feb 22, 2026 | Bell Thomas J III EVP CHIEF FINANCIAL OFFICER | Tax withheld | 2,328 | $77.1K |
| Feb 22, 2026 | Bell Thomas J III EVP CHIEF FINANCIAL OFFICER | Tax withheld | 2,731 | $90.5K |
| Feb 22, 2026 | Fucinato Mark CHIEF CREDIT OFFICER | Award | 2,293 | $0 |
| Feb 22, 2026 | Bell Thomas J III EVP CHIEF FINANCIAL OFFICER | Award | 5,849 | $0 |
| Feb 22, 2026 | Ptacin Brogan HEAD OF COMMERCIAL BANKING | Tax withheld | 858 | $28.4K |
| Feb 22, 2026 | Fucinato Mark CHIEF CREDIT OFFICER | Tax withheld | 934 | $30.9K |
| Feb 22, 2026 | Mando Nicolas CHIEF TECHNOLOGY & OPERATIONS | Award | 2,231 | $0 |
| Feb 22, 2026 | Ptacin Brogan HEAD OF COMMERCIAL BANKING | Award | 2,415 | $0 |
| Feb 22, 2026 | Bell Thomas J III EVP CHIEF FINANCIAL OFFICER | Award | 5,547 | $0 |
| Feb 22, 2026 | JOHNSON MICHELLE LYNN CHIEF RISK OFFICER | Award | 2,065 | $0 |
| Feb 22, 2026 | Ptacin Brogan HEAD OF COMMERCIAL BANKING | Tax withheld | 1,338 | $44.3K |
| Feb 22, 2026 | JOHNSON MICHELLE LYNN CHIEF RISK OFFICER | Award | 2,367 | $0 |
| Feb 22, 2026 | Barkidjija John HEAD OF CRE & SPECIALTY FIN | Tax withheld | 838 | $27.8K |
| Feb 22, 2026 | ABRAHAM THOMAS PRESIDENT, SBC | Award | 7,094 | $0 |
| Feb 22, 2026 | Ptacin Brogan HEAD OF COMMERCIAL BANKING | Award | 3,866 | $0 |
| Feb 22, 2026 | HERENCIA ROBERTO R CHIEF EXECUTIVE OFFICER | Tax withheld | 9,898 | $327.9K |
| Feb 22, 2026 | BIGGAM MEGAN EVP HEAD OF COMMUNITY BANKING | Award | 1,916 | $0 |
| Feb 22, 2026 | BIGGAM MEGAN EVP HEAD OF COMMUNITY BANKING | Tax withheld | 772 | $25.6K |
| Feb 22, 2026 | BIGGAM MEGAN EVP HEAD OF COMMUNITY BANKING | Award | 2,231 | $0 |
| Feb 22, 2026 | HERENCIA ROBERTO R CHIEF EXECUTIVE OFFICER | Award | 29,870 | $0 |
| Feb 22, 2026 | BIGGAM MEGAN EVP HEAD OF COMMUNITY BANKING | Tax withheld | 678 | $22.5K |
| Feb 22, 2026 | Paracchini Alberto J PRESIDENT | Tax withheld | 2,743 | $90.9K |
| Feb 22, 2026 | ABRAHAM THOMAS PRESIDENT, SBC | Tax withheld | 2,843 | $94.2K |
| Feb 22, 2026 | Paracchini Alberto J PRESIDENT | Award | 8,029 | $0 |
| Feb 22, 2026 | JOHNSON MICHELLE LYNN CHIEF RISK OFFICER | Tax withheld | 702 | $23.3K |
| Feb 22, 2026 | Paracchini Alberto J PRESIDENT | Tax withheld | 3,415 | $113.1K |
| Feb 22, 2026 | JOHNSON MICHELLE LYNN CHIEF RISK OFFICER | Tax withheld | 637 | $21.1K |
| Feb 22, 2026 | Fucinato Mark CHIEF CREDIT OFFICER | Award | 3,948 | $0 |
| Feb 22, 2026 | Fucinato Mark CHIEF CREDIT OFFICER | Tax withheld | 1,419 | $47.0K |
| Feb 22, 2026 | Paracchini Alberto J PRESIDENT | Award | 11,303 | $0 |
| Feb 22, 2026 | HERENCIA ROBERTO R CHIEF EXECUTIVE OFFICER | Tax withheld | 7,289 | $241.5K |
| Feb 22, 2026 | HERENCIA ROBERTO R CHIEF EXECUTIVE OFFICER | Award | 24,809 | $0 |
| Feb 22, 2026 | Barkidjija John HEAD OF CRE & SPECIALTY FIN | Award | 3,789 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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