Filing Flows › Byline Bancorp (BY) › Q3 2026
Byline Bancorp (BY) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Byline Bancorp (BY) reported revenue of $121M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +3% from the quarter before. Operating margin was 45.0%, net earnings $41.8M (34.5% of revenue).
Byline Bancorp, Q3 2026: revenue $121M (+5% year over year), operating margin 45.0%, net earnings $41.8M, operating cash flow $62.5M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $121M | +3% | +5% |
| Operating profit | $54.5M | +0.7% | +9% |
| Net earnings | $41.8M | +4% | +12% |
| Operating cash flow | $62.5M | +341% | +58% |
| Free cash flow | $61.7M | +369% | +58% |
What changed
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.
Questions
What was Byline Bancorp's revenue in the third quarter 2026?
Byline Bancorp (BY) reported revenue of $121M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +3% from the quarter before.
Was Byline Bancorp profitable in the third quarter 2026?
Operating profit was $54.5M (45.0% of revenue) and net earnings $41.8M.
Source: Byline Bancorp 10-Q on SEC EDGAR.