For the quarter ended September 2025, Byline Bancorp (BY) reported revenue of $115.74 million, up 13.6% over the same period last year. EPS came in at $0.83, compared to $0.70 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $110.45 million, representing a surprise of +4.79%. The company delivered an EPS surprise of +16.9%, with the consensus EPS estimate being $0.71.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Byline Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 51% compared to the 51.3% average estimate based on three analysts.
- Net Interest Margin: 4.3% versus 4.1% estimated by three analysts on average.
- Average Balance - Total interest-earning assets: $9.29 billion versus the two-analyst average estimate of $9.34 billion.
- Net charge-offs of loans and leases: 0.4% versus 0.4% estimated by two analysts on average.
- Net Interest Income: $99.87 million compared to the $95.99 million average estimate based on three analysts.
- Net gains on sales of loans: $6.98 million versus the three-analyst average estimate of $5.26 million.
- Total Non-Interest Income: $15.86 million versus the three-analyst average estimate of $14.98 million.
- Fees and service charges on deposits: $2.74 million versus $2.72 million estimated by two analysts on average.
- Wealth management and trust income: $1.37 million versus the two-analyst average estimate of $1.08 million.
- ATM and interchange fees: $1.02 million versus $1.18 million estimated by two analysts on average.
View all Key Company Metrics for Byline Bancorp here>>>
Shares of Byline Bancorp have returned -4.7% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Byline Bancorp, Inc. (BY): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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