For the quarter ended December 2025, Byline Bancorp (BY) reported revenue of $117.01 million, up 11.8% over the same period last year. EPS came in at $0.76, compared to $0.69 in the year-ago quarter.
The reported revenue represents a surprise of +5.13% over the Zacks Consensus Estimate of $111.3 million. With the consensus EPS estimate being $0.72, the EPS surprise was +6.04%.
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: 50.3% versus 52.5% estimated by three analysts on average.
- Net Interest Margin: 4.4% versus the three-analyst average estimate of 4.2%.
- Average Balance - Total interest-earning assets: $9.23 billion versus the two-analyst average estimate of $9.39 billion.
- Net charge-offs of loans and leases: 0.4% versus the two-analyst average estimate of 0.4%.
- Net Interest Income: $101.26 million versus the three-analyst average estimate of $99.04 million.
- Net gains on sales of loans: $5.39 million versus the three-analyst average estimate of $3.83 million.
- Total Non-Interest Income: $15.75 million versus the three-analyst average estimate of $13.82 million.
- Fees and service charges on deposits: $2.8 million versus $2.82 million estimated by two analysts on average.
- Wealth management and trust income: $1.32 million versus the two-analyst average estimate of $1.39 million.
- ATM and interchange fees: $0.98 million versus $1.1 million estimated by two analysts on average.
View all Key Company Metrics for Byline Bancorp here>>>
Shares of Byline Bancorp have returned +5.9% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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