BY 8-K SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

BY ▲ +0.38% at T+20d

LONG call ✓ call won +0.38% · α vs SPY -3.65% · entry $32.91 → $33.03

Next anchor: T+60d in 6w

Last close $33.91 (close Jun 8) · +3.05% from $32.91 entry

Entry anchored
Apr 23, 03:59 PM ET
via Databento tick

T+1d

+0.28%

call +0.28% · α +0.12%

$33.00

settled 7w ago

T+5d

-2.30%

call -2.30% · α -3.21%

$32.15

settled 6w ago

T+20d

+0.38%

call +0.38% · α -3.65%

$33.03

settled 20d ago

T+60d

—

call — · α —

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Executive Summary

Byline Bancorp reported Q1 2026 earnings with diluted EPS of $0.83, a 9.1% increase from the prior quarter and a 29.7% beat versus the $0.64 consensus estimate. Revenue was $112.4 million, missing the $114.1 million consensus by 1.5%. The bank maintained a stable net interest margin at 4.33%, reduced non-interest expense by 5.3%, and improved its efficiency ratio to 49.78%. The capital raise via S-3 shelf registration 16 days prior appears opportunistic given strong results, not distressed.

Actionable Insight

The significant EPS beat on lower expenses and credit provisions outweighs the modest revenue miss. The recent S-3 shelf filing appears opportunistic given strong capital generation, not a sign of distress. Monitor the next earnings call for commentary on net interest margin sustainability and loan growth trends.

Key Facts

Diluted EPS of $0.83, up 9.1% QoQ and 29.7% above $0.64 consensus
Net income of $37.6 million, up 8.9% from Q4 2025
Revenue of $112.4 million, down 3.9% YoY and 1.5% below $114.1 million consensus
Net interest income of $99.9 million, down 1.4% QoQ
Non-interest expense decreased 5.3% to $57.2 million, driving efficiency ratio improvement to 49.78%
Provision for credit losses decreased 42.7% to $5.5 million
Tangible book value per share increased 1.5% to $23.79
Board declared $0.12 per share dividend, maintaining 20% increase from prior quarter

Financial Impact

EPS beat of $0.19 above consensus, revenue miss of $1.7 million

epsrevenuenonInterestExpenseefficiencyRatioprovisionForCreditLosses

Risk Factors

Net interest income declined QoQ despite stable NIM, raising concerns about loan yield pressure
Non-interest income declined 20.4% QoQ, indicating fee-based revenue weakness
Deposit costs remain elevated despite 6 bps reduction in average cost

Market Snapshot

Exchange

NYSE

Sector

State Commercial Banks

Analyst Consensus

71% bullish (14 analysts)

Documents Analyzed

This report is based on 7 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001193125-26-173737
Document: by-20260423.htm	0001193125-26-173737
Document: by-ex99_2.htm	0001193125-26-173737
Document: 0001193125-26-173737-index-headers.html	0001193125-26-173737
Document: 0001193125-26-173737-index.html	0001193125-26-173737
Document: 0001193125-26-173737.txt	0001193125-26-173737
8-K Data (Synthetic)	0001193125-26-173737

4 reports for BY

T+1T+5T+20T+60

Filters

Reports for BY — sortable, filterable
	Type				Now
May 22, 2026 18d ago	8-K NEUTRAL ★ 3/10	$33.40 $32.80	▼ −1.80%	▼ −2.88%	$33.91 (+1.53%)
Apr 24, 2026 6w ago	DEFA14A NEUTRAL ★ 3/10	$32.91 $32.15	▼ −2.30%	▼ −3.21%	$33.91 (+3.05%)
Apr 23, 2026 6w ago	8-K BULLISH ★ 8/10	$32.91 $32.15	▼ −2.30%	▼ −3.21%	$33.91 (+3.05%)
Apr 7, 2026 9w ago	S-3ASR NEUTRAL ★ 3/10	$32.97 $33.16	▲ +0.59%	▼ −2.93%	$33.91 (+2.86%)

US Market Status

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