Revenue: As of FY2026 Q1, the actual value is USD 112.4 M.EPS: As of FY2026 Q1, the actual value is USD 0.83, beating the estimate of USD 0.748.EBIT: As of FY2026 Q1, the actual value is USD -50.19 M.Byline Bancorp, Inc. operates with one reportable segment, and its chief operating decision makers evaluate operations using consolidated information.<h4>Segment Revenue</h4><ul><li>Total Interest and Dividend Income:<ul><li>Three Months Ended March 31, 2026: $141,656 thousand</li><li>Three Months Ended March 31, 2025: $134,855 thousand</li></ul></li><li>Total Non-Interest Income:<ul><li>Three Months Ended March 31, 2026: $12,538 thousand</li><li>Three Months Ended March 31, 2025: $14,859 thousand</li></ul></li></ul><h4>Operational Metrics</h4><ul><li>Net Interest Income:<ul><li>Three Months Ended March 31, 2026: $99,863 thousand</li><li>Three Months Ended March 31, 2025: $88,221 thousand</li></ul></li><li>Provision for Credit Losses:<ul><li>Three Months Ended March 31, 2026: $5,537 thousand</li><li>Three Months Ended March 31, 2025: $9,179 thousand</li></ul></li><li>Net Interest Income after Provision for Credit Losses:<ul><li>Three Months Ended March 31, 2026: $94,326 thousand</li><li>Three Months Ended March 31, 2025: $79,042 thousand</li></ul></li><li>Total Non-Interest Expense:<ul><li>Three Months Ended March 31, 2026: $57,189 thousand</li><li>Three Months Ended March 31, 2025: $56,429 thousand</li></ul></li><li>Income Before Provision for Income Taxes:<ul><li>Three Months Ended March 31, 2026: $49,675 thousand</li><li>Three Months Ended March 31, 2025: $37,472 thousand</li></ul></li><li>Net Income:<ul><li>Three Months Ended March 31, 2026: $37,579 thousand</li><li>Three Months Ended March 31, 2025: $28,248 thousand</li></ul></li><li>Comprehensive Income:<ul><li>Three Months Ended March 31, 2026: $29,087 thousand</li><li>Three Months Ended March 31, 2025: $45,551 thousand</li></ul></li></ul><h4>Cash Flow</h4><ul><li>Net Cash Provided by Operating Activities:<ul><li>Three Months Ended March 31, 2026: $54,552 thousand</li><li>Three Months Ended March 31, 2025: $27,802 thousand</li></ul></li><li>Net Cash Used in Investing Activities:<ul><li>Three Months Ended March 31, 2026: -$229,508 thousand</li><li>Three Months Ended March 31, 2025: -$217,963 thousand</li></ul></li><li>Net Cash Provided by Financing Activities:<ul><li>Three Months Ended March 31, 2026: $224,229 thousand</li><li>Three Months Ended March 31, 2025: $49,080 thousand</li></ul></li></ul><h4>Unique Metrics: Key Balance Sheet and Loan Metrics</h4><ul><li>Total Loans and Leases:<ul><li>March 31, 2026: $7,475,272 thousand</li><li>December 31, 2025: $7,509,369 thousand</li></ul></li><li>Allowance for Credit Losses - Loans and Leases:<ul><li>March 31, 2026: -$108,879 thousand</li><li>December 31, 2025: -$108,834 thousand</li></ul></li><li>Net Loans and Leases:<ul><li>March 31, 2026: $7,366,393 thousand</li><li>December 31, 2025: $7,400,535 thousand</li></ul></li><li>Total Non-Accrual Loans (without an allowance):<ul><li>March 31, 2026: $5,600 thousand (commercial real estate), $84 thousand (residential real estate), $1,900 thousand (commercial and industrial)</li><li>December 31, 2025: $2,700 thousand (commercial real estate), $85 thousand (residential real estate), $5,600 thousand (commercial and industrial)</li></ul></li><li>Interest Income on Non-Accrual Loans and Leases:<ul><li>Three Months Ended March 31, 2026: $790 thousand</li><li>Three Months Ended March 31, 2025: $1,000 thousand</li></ul></li><li>Total Loans and Leases Past Due (30-59, 60-89, Greater than 90 Accruing, Non-accrual):<ul><li>March 31, 2026: $131,306 thousand</li><li>December 31, 2025: $117,939 thousand</li></ul></li></ul><h4>Outlook/Guidance</h4>Byline Bancorp, Inc. adopted new accounting guidance for Financial Instruments – Credit Losses (Topic 326) and Derivatives and Hedging (Topic 815) on January 1, 2026, which are expected to eliminate Day 1 credit loss expense on eligible purchased loans and offer flexibility in forecasting hedge transactions, respectively. The company is evaluating ASU 2024-03, Income Statement – Expense Disaggregation Disclosures, and anticipates no material effect on consolidated financial statements.

Byline Bancorp | 10-Q: FY2026 Q1 Revenue: USD 112.4 M