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Byline Bancorp (BY) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Byline Bancorp (BY) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $121M · 35¢ of every $1 of revenue kept as net profit · operating margin 45.0%
Byline Bancorp made $121M in Q3 2026 (+5% Y/Y): Net interest income $104M, Noninterest income $17.3M. Operating margin 45.0%, net earnings $41.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $121.0M in Q3 2026, up 5% year over year and up 3% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $3.8M year over year (up 4%), 72% of the total change.
Operating profit was $54.5M, a 45.0% margin (up 1.9 points year over year). Of the extra revenue versus a year earlier, 86% reached operating profit, above the 43% margin then. Total costs grew 1% against revenue growth of 5%. Net earnings were $41.8M, up 12% year over year. The effective tax rate was 23.3%.
Operating cash flow was $62.5M (up 58% year over year), 150% of net earnings. Non-cash charges added back $1.0M of depreciation and amortization and $2.3M of share-based compensation. Working capital and other items added $17.4M. Capital expenditures of $791K left free cash flow of $61.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $121M | +5% | 45.0% | $41.8M | $62.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Byline Bancorp
Byline Bancorp, Inc., headquartered in Chicago, Illinois, is a bank holding company. We conduct all our business activities through our subsidiary, Byline Bank, a full service commercial bank, and Byline Bank’s subsidiaries. The words "the Company," "we," "Byline," "our" and "us" refer to Byline Bancorp, Inc. and its consolidated subsidiaries, unless we indicate otherwise. We offer a broad 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 our branches. We also offer online account opening to consumer and business customers through our website and provide trust and wealth management services to our customers.
In its own words, from its 10-K, filed Feb 27, 2026.
Byline Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +10%. Operating margin: 45.0% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BY Byline Bancorp | Q3 2026 | $121M | +5% | 45.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Byline Bancorp 10-Q on SEC EDGAR · CIK 1702750 · State Commercial Banks
Guidance and outlook
13F: who owns BY and who is buying
More on BY
History
Every quarter: Q3 2026 results