Byline Bancorp Projects to Surpass $10B in Assets by Q1 2026, Sustaining Robust Capital and Loan Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 24 2025
0mins
Should l Buy BY?
Source: SeekingAlpha
Management Performance: Byline Bancorp reported strong financial performance for Q3 2025, with net income of $37 million and record net interest income of $99.9 million, driven by solid loan growth and improved asset quality despite macroeconomic uncertainties.
Capital Flexibility and M&A Strategy: The company emphasized its capital flexibility and openness to disciplined M&A opportunities, while maintaining a focus on organic growth and operational efficiency as it approaches the $10 billion asset threshold.
Outlook and Guidance: Management anticipates net interest income of $97 million to $99 million for Q4, factoring in expected Federal Reserve rate cuts, and expects to cross the $10 billion asset mark in early 2026, with regulatory impacts to follow.
Risks and Concerns: Analysts raised concerns about the potential impacts of the federal government shutdown on SBA loan sales and the associated financial implications, while management remains vigilant regarding external risks such as geopolitical tensions and macroeconomic uncertainty.
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Analyst Views on BY
Wall Street analysts forecast BY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BY is 33.50 USD with a low forecast of 32.00 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 33.260
Low
32.00
Averages
33.50
High
35.00
Current: 33.260
Low
32.00
Averages
33.50
High
35.00
About BY
Byline Bancorp, Inc. is a bank holding company. The Company conducts all its business activities through its subsidiary, Byline Bank, a full-service commercial bank, and Byline Bank’s subsidiaries. It offers a range of banking products and services to small and medium-sized businesses, commercial real estate and financial sponsors and to consumers who generally live or work near its branches. It also offers online account opening to consumer and business customers through its Website and provides trust and wealth management services to its customers. In addition to its traditional commercial banking business, it provides small ticket equipment leasing solutions through Byline Financial Group, a wholly owned subsidiary of Byline Bank. It offers a range of commercial loan, deposit and treasury management products. Its primary commercial lending groups include commercial and industrial, commercial real estate, sponsor finance, commercial deposits and treasury management and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Byline Bancorp (BY) Reports Q4 2025 Net Income of $34.5 Million, 20% Dividend Increase
- Strong Financial Performance: Byline Bancorp reported Q4 net income of $34.5 million, or $0.76 per diluted share, reflecting a 12% year-on-year increase, demonstrating the company's sustained strength in net interest income and loan growth.
- Dividend Increase: The company announced a 20% increase in its quarterly dividend, reflecting management's confidence in future financial performance, aimed at enhancing shareholder returns and attracting more investor interest.
- Asset Growth Target: Management expects to cross the $10 billion asset threshold by 2026, emphasizing a continued focus on organic growth and expansion of the commercial payments business to capture market opportunities and increase market share.
- Repurchase Program: The company has repurchased approximately 346,000 shares and initiated a new repurchase program authorizing buybacks of up to 5% of outstanding shares, aiming to enhance earnings per share and shareholder value through a reduction in share count.
See More
Byline Bancorp (BY) Declares $0.12 Quarterly Dividend, 20% Increase
- Dividend Increase: Byline Bancorp has declared a quarterly dividend of $0.12 per share, marking a 20% increase from the previous $0.10, reflecting the company's commitment to shareholder returns and boosting investor confidence.
- Yield Analysis: The forward yield of 1.51% provides investors with a relatively stable cash flow, despite the company facing challenges with a soft near-term earnings outlook.
- Shareholder Record Date: The dividend will be payable on February 17, with a record date of February 3 and an ex-dividend date also on February 3, ensuring eligible shareholders receive their payouts promptly.
- Market Reaction: Despite the weak short-term earnings outlook, Byline Bancorp's shares are perceived as attractive, potentially drawing in investors seeking stable income, which may further enhance stock performance.
See More
Byline Bancorp Q4 Non-GAAP EPS of $0.76 Beats Estimates, Revenue Up 11.8%
- Earnings Beat: Byline Bancorp reported a Q4 Non-GAAP EPS of $0.76, exceeding estimates by $0.04, indicating robust profitability amidst market conditions.
- Significant Revenue Growth: The company achieved Q4 revenue of $117 million, an 11.8% year-over-year increase, surpassing expectations by $4.79 million, reflecting sustained business growth and strong market demand.
- Asset Expansion: Byline Bancorp anticipates crossing the $10 billion asset threshold in Q1 2026, showcasing strong momentum in capital and loan growth that positions the company for future success.
- Cautious Market Outlook: Despite solid current earnings, the company maintains a cautious near-term earnings outlook, which may lead to undervaluation of shares, prompting investors to monitor future market developments.
See More
Blue Yonder Unveils AI-Driven Supply Chain Solutions to Enhance Retailer Efficiency
- Customer Experience Optimization: Blue Yonder's new AI-driven innovations enabled retailers to access inventory availability in 10-12 milliseconds during the 2025 Thanksgiving weekend, processing delivery dates for over 1.2 billion SKUs, significantly enhancing conversion rates and optimizing margins.
- Operational Agility Enhancement: By embedding AI across its end-to-end solutions, Blue Yonder helps retailers unlock greater value and agility in operations, quickly identifying constraints and disruptions, which reduces costs and enhances customer service capabilities.
- Multi-Enterprise Network Expansion: Blue Yonder's solutions include a multi-enterprise supply chain network with access to over 172,000 global trading partners, enhancing retailers' resource optimization and improving overall supply chain responsiveness.
- Industry Leadership Consolidation: Blue Yonder will showcase its latest innovations at NRF 2026 in January, further solidifying its leadership position in supply chain digital transformation and attracting more retailers to its AI-driven solutions.
See More
Byline Bank Named One of America's Best Workplaces for 2026
- Employee Engagement Recognition: Byline Bank has been named one of America's Best Workplaces and Best Remote and Hybrid Workplaces for 2026 by Best Companies Group, based on employee engagement data, highlighting the company's commitment to supporting its workforce.
- Cultural Achievement: Chief Human Resources Officer Dana Rose stated that this honor reflects direct employee feedback from the annual engagement survey, indicating Byline's efforts in building a supportive and inclusive workplace culture.
- Industry Impact: Best Companies Group has recognized over 10,000 companies in the past 20 years, and Byline's award further enhances its reputation in the commercial banking sector.
- Market Positioning Advantage: With approximately $9.8 billion in assets and 45 branch locations, and being one of the top SBA lenders in the U.S., this recognition will help attract more clients and talent to Byline Bank.
See More
Byline Bank Named One of America's Best Workplaces for 2026
- Employee Engagement Recognition: Byline Bank has been named one of America's Best Workplaces and Best Remote and Hybrid Workplaces for 2026 by Best Companies Group, based on employee engagement data, highlighting the company's commitment to supporting its workforce.
- Cultural Achievement: Chief Human Resources Officer Dana Rose noted that this honor reflects direct employee feedback from the annual engagement survey, indicating Byline's efforts in fostering a supportive and inclusive workplace culture.
- Industry Impact: Best Companies Group has recognized top workplaces for over 20 years, assisting more than 10,000 companies in celebrating their uniqueness, and Byline's award further enhances its reputation within the industry.
- Banking Overview: With approximately $9.8 billion in assets and 45 branch locations in the Chicago and Milwaukee areas, Byline Bank offers a range of commercial and community banking products and is one of the top SBA lenders in the U.S., underscoring its significant market position.
See More
Byline Bancorp (BY) Reports Q4 2025 Net Income of $34.5 Million, 20% Dividend Increase
- Strong Financial Performance: Byline Bancorp reported Q4 net income of $34.5 million, or $0.76 per diluted share, reflecting a 12% year-on-year increase, demonstrating the company's sustained strength in net interest income and loan growth.
- Dividend Increase: The company announced a 20% increase in its quarterly dividend, reflecting management's confidence in future financial performance, aimed at enhancing shareholder returns and attracting more investor interest.
- Asset Growth Target: Management expects to cross the $10 billion asset threshold by 2026, emphasizing a continued focus on organic growth and expansion of the commercial payments business to capture market opportunities and increase market share.
- Repurchase Program: The company has repurchased approximately 346,000 shares and initiated a new repurchase program authorizing buybacks of up to 5% of outstanding shares, aiming to enhance earnings per share and shareholder value through a reduction in share count.
See More
Byline Bancorp (BY) Declares $0.12 Quarterly Dividend, 20% Increase
- Dividend Increase: Byline Bancorp has declared a quarterly dividend of $0.12 per share, marking a 20% increase from the previous $0.10, reflecting the company's commitment to shareholder returns and boosting investor confidence.
- Yield Analysis: The forward yield of 1.51% provides investors with a relatively stable cash flow, despite the company facing challenges with a soft near-term earnings outlook.
- Shareholder Record Date: The dividend will be payable on February 17, with a record date of February 3 and an ex-dividend date also on February 3, ensuring eligible shareholders receive their payouts promptly.
- Market Reaction: Despite the weak short-term earnings outlook, Byline Bancorp's shares are perceived as attractive, potentially drawing in investors seeking stable income, which may further enhance stock performance.
See More
Byline Bancorp Q4 Non-GAAP EPS of $0.76 Beats Estimates, Revenue Up 11.8%
- Earnings Beat: Byline Bancorp reported a Q4 Non-GAAP EPS of $0.76, exceeding estimates by $0.04, indicating robust profitability amidst market conditions.
- Significant Revenue Growth: The company achieved Q4 revenue of $117 million, an 11.8% year-over-year increase, surpassing expectations by $4.79 million, reflecting sustained business growth and strong market demand.
- Asset Expansion: Byline Bancorp anticipates crossing the $10 billion asset threshold in Q1 2026, showcasing strong momentum in capital and loan growth that positions the company for future success.
- Cautious Market Outlook: Despite solid current earnings, the company maintains a cautious near-term earnings outlook, which may lead to undervaluation of shares, prompting investors to monitor future market developments.
See More
Blue Yonder Unveils AI-Driven Supply Chain Solutions to Enhance Retailer Efficiency
- Customer Experience Optimization: Blue Yonder's new AI-driven innovations enabled retailers to access inventory availability in 10-12 milliseconds during the 2025 Thanksgiving weekend, processing delivery dates for over 1.2 billion SKUs, significantly enhancing conversion rates and optimizing margins.
- Operational Agility Enhancement: By embedding AI across its end-to-end solutions, Blue Yonder helps retailers unlock greater value and agility in operations, quickly identifying constraints and disruptions, which reduces costs and enhances customer service capabilities.
- Multi-Enterprise Network Expansion: Blue Yonder's solutions include a multi-enterprise supply chain network with access to over 172,000 global trading partners, enhancing retailers' resource optimization and improving overall supply chain responsiveness.
- Industry Leadership Consolidation: Blue Yonder will showcase its latest innovations at NRF 2026 in January, further solidifying its leadership position in supply chain digital transformation and attracting more retailers to its AI-driven solutions.
See More
Byline Bank Named One of America's Best Workplaces for 2026
- Employee Engagement Recognition: Byline Bank has been named one of America's Best Workplaces and Best Remote and Hybrid Workplaces for 2026 by Best Companies Group, based on employee engagement data, highlighting the company's commitment to supporting its workforce.
- Cultural Achievement: Chief Human Resources Officer Dana Rose stated that this honor reflects direct employee feedback from the annual engagement survey, indicating Byline's efforts in building a supportive and inclusive workplace culture.
- Industry Impact: Best Companies Group has recognized over 10,000 companies in the past 20 years, and Byline's award further enhances its reputation in the commercial banking sector.
- Market Positioning Advantage: With approximately $9.8 billion in assets and 45 branch locations, and being one of the top SBA lenders in the U.S., this recognition will help attract more clients and talent to Byline Bank.
See More
Byline Bank Named One of America's Best Workplaces for 2026
- Employee Engagement Recognition: Byline Bank has been named one of America's Best Workplaces and Best Remote and Hybrid Workplaces for 2026 by Best Companies Group, based on employee engagement data, highlighting the company's commitment to supporting its workforce.
- Cultural Achievement: Chief Human Resources Officer Dana Rose noted that this honor reflects direct employee feedback from the annual engagement survey, indicating Byline's efforts in fostering a supportive and inclusive workplace culture.
- Industry Impact: Best Companies Group has recognized top workplaces for over 20 years, assisting more than 10,000 companies in celebrating their uniqueness, and Byline's award further enhances its reputation within the industry.
- Banking Overview: With approximately $9.8 billion in assets and 45 branch locations in the Chicago and Milwaukee areas, Byline Bank offers a range of commercial and community banking products and is one of the top SBA lenders in the U.S., underscoring its significant market position.
See More
