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    Byline Bancorp (BY)

    Market Price (10/22/2026): $40.05 | Market Cap: $1.8 BilSector: Financials | Industry: Regional Banks

    Byline Bancorp (BY)

    Market Price (10/22/2026): $40.05
    Market Cap: $1.8 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.8%, FCF Yield is 9.7%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -63%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36%

    Low stock price volatility
    Vol 12M is 21%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

    Key risks
    BY key risks include [1] deteriorating credit quality driven by an acquired loan portfolio, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.8%, FCF Yield is 9.7%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -63%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36%
    3 Low stock price volatility
    Vol 12M is 21%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
    5 Key risks
    BY key risks include [1] deteriorating credit quality driven by an acquired loan portfolio, Show more.

    BY in ETFs

    Weight = BY's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.04%
    KRE0.38%
    AVUV0.11%
    DFAS0.04%
    VTWO0.04%
    SCHA0.03%
    +4 more covered ETFs

    Valuation & Metrics

    FYE: 12/31BY [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$457.2 Mil—
    FY 2026 Sales$465.8 Mil—
    FY 2027 Sales$496.1 Mil—
    FY 2026 Sales Growth1.9%—
    FY 2027 Sales Growth6.5%13.1%
    EARNINGS
    LTM Net Income (GAAP) [3]$149.5 Mil—
    FY 2026 Net Income (Non-GAAP)$153.8 Mil—
    FY 2027 Net Income (Non-GAAP)$162.0 Mil—
    FY 2027 Net Income Growth5.3%18.7%
    FY 2026 EPS (Non-GAAP)$3.39—
    FY 2027 EPS (Non-GAAP)$3.51—
    FY 2027 EPS Growth3.6%—
    VALUATION
    FY 2026 P/S3.81.7
    FY 2027 P/S3.6—
    FY 2026 P/E11.67.9
    FY 2027 P/E11.0—

    [1] BY forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 10/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    BYS&P 500
    REVENUE GROWTHFAIR
    Rev LTM ($ Bil)0.5
    Rev Chg Q6.6%9.3%
    Rev Chg LTM9.9%8.3%
    Rev Chg 3Y Avg9.8%5.9%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.2
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM36.0%21.8%
    Net Inc Mgn32.7%13.3%
    VALUATIONLOW
    P/S3.93.1
    P/CFO10.815.1
    P/FCF11.019.8
    P/E11.923.0

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Branch Locations456302025Link
    Small Business Administration (SBA) Lender RankingTop 5 in the United States10242025Link
    Net Interest Margin4.27%9302025Link
    Efficiency Ratio52.45%12312024Link
    Adjusted Efficiency Ratio53.04%3312025Link
    Non-performing assets as a percentage of total assets0.62%3312025Link
    Average non-interest-bearing demand deposits as a percentage of average total deposits23.4%3312025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 10/1/2026

    Byline Bancorp (BY) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Earnings Performance Offset by Modest Net Interest Margin Compression.

    Byline Bancorp reported robust financial results for fiscal Q2 2026 (ended June 30, 2026), announcing earnings per share (EPS) of $0.91 on July 23, 2026, which surpassed analysts' consensus estimates of $0.79 by 15.19%. Quarterly revenue of $117.71 million also exceeded estimates. Net income reached a record $40.2 million, and the company increased its quarterly dividend by 16.7%. This positive company-specific news likely provided a floor for the stock. However, during the same quarter, the tax-equivalent net interest margin (NIM) decreased by five basis points to 4.29%, primarily due to modest compression in earning asset yields and higher funding costs. The expectation of continued elevated deposit competition and funding cost pressures for regional banks in fiscal Q3 2026 likely tempered sustained upward momentum.

    2. Positive Analyst Outlook Counterbalanced by Significant Insider Selling.

    Analysts maintained a generally positive outlook on Byline Bancorp, with a consensus rating of "Buy" or "Moderate Buy" from six analysts. The average price target ranged from $43.00 to $43.20 as of late September 2026, indicating a forecasted upside of 14.47% to 16.41% from the stock's prevailing price. Several analysts also raised their price targets in July 2026 following the Q2 earnings release. This supportive analyst sentiment, however, was offset by notable insider selling. Antonio Del Valle Perochena, the Lead Independent Director, sold approximately $12 million worth of shares on August 13, 2026. Collectively, insiders sold over $24 million worth of company stock in the ninety days leading up to late September 2026, which could have introduced selling pressure and created investor caution despite the positive analyst views.

    Show more
    Updated on 10/1/2026

    Byline Bancorp (BY) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Earnings Performance Offset by Modest Net Interest Margin Compression.

    Byline Bancorp reported robust financial results for fiscal Q2 2026 (ended June 30, 2026), announcing earnings per share (EPS) of $0.91 on July 23, 2026, which surpassed analysts' consensus estimates of $0.79 by 15.19%. Quarterly revenue of $117.71 million also exceeded estimates. Net income reached a record $40.2 million, and the company increased its quarterly dividend by 16.7%. This positive company-specific news likely provided a floor for the stock. However, during the same quarter, the tax-equivalent net interest margin (NIM) decreased by five basis points to 4.29%, primarily due to modest compression in earning asset yields and higher funding costs. The expectation of continued elevated deposit competition and funding cost pressures for regional banks in fiscal Q3 2026 likely tempered sustained upward momentum.

    2. Positive Analyst Outlook Counterbalanced by Significant Insider Selling.

    Analysts maintained a generally positive outlook on Byline Bancorp, with a consensus rating of "Buy" or "Moderate Buy" from six analysts. The average price target ranged from $43.00 to $43.20 as of late September 2026, indicating a forecasted upside of 14.47% to 16.41% from the stock's prevailing price. Several analysts also raised their price targets in July 2026 following the Q2 earnings release. This supportive analyst sentiment, however, was offset by notable insider selling. Antonio Del Valle Perochena, the Lead Independent Director, sold approximately $12 million worth of shares on August 13, 2026. Collectively, insiders sold over $24 million worth of company stock in the ninety days leading up to late September 2026, which could have introduced selling pressure and created investor caution despite the positive analyst views.

    3. Mixed Macroeconomic Signals for the Regional Banking Sector.

    The broader macroeconomic environment presented a blend of positive and cautionary signals for regional banks, contributing to Byline Bancorp's stable stock performance. The regional banking sector experienced overall resilient earnings in fiscal Q2 2026, with the S&P Regional Bank ETF outperforming the S&P 500, partly due to net interest margin expansion and stable credit costs driven by a positively sloped yield curve. Commercial loan growth and consumer spending remained healthy during Q2 2026. However, heading into fiscal Q3 2026, concerns arose regarding persistent inflation and the Federal Reserve's 0.25% interest rate hike in September 2026, with expectations of further increases, which contributed to rising bond yields and increased market uncertainty. This interplay of continued sector strength and evolving interest rate and inflationary pressures likely kept investor sentiment balanced, preventing significant price movements.

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    Stock Movement Drivers

    Fundamental Drivers

    The -0.4% change in BY stock from 6/30/2026 to 10/21/2026 was primarily driven by a -7.4% change in the company's P/E Multiple.
    (LTM values as of)630202610212026Change
    Stock Price ($)37.5337.39-0.4%
    Change Contribution By: 
    Total Revenues ($ Mil)4504571.6%
    Net Income Margin (%)31.0%32.7%5.5%
    P/E Multiple12.011.2-7.4%
    Shares Outstanding (Mil)45450.3%
    Cumulative Contribution-0.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2026 to 10/21/2026
    ReturnCorrelation
    BY-0.4% 
    Market (SPY)3.5%18.4%
    Sector (XLF)4.5%48.9%

    Fundamental Drivers

    The 19.3% change in BY stock from 3/31/2026 to 10/21/2026 was primarily driven by a 11.0% change in the company's Net Income Margin (%).
    (LTM values as of)331202610212026Change
    Stock Price ($)31.3437.3919.3%
    Change Contribution By: 
    Total Revenues ($ Mil)4424573.6%
    Net Income Margin (%)29.5%32.7%11.0%
    P/E Multiple10.811.22.9%
    Shares Outstanding (Mil)45450.9%
    Cumulative Contribution19.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 10/21/2026
    ReturnCorrelation
    BY19.3% 
    Market (SPY)19.2%19.2%
    Sector (XLF)13.9%50.6%

    Fundamental Drivers

    The 36.8% change in BY stock from 9/30/2025 to 10/21/2026 was primarily driven by a 14.4% change in the company's Net Income Margin (%).
    (LTM values as of)930202510212026Change
    Stock Price ($)27.3337.3936.8%
    Change Contribution By: 
    Total Revenues ($ Mil)4164579.9%
    Net Income Margin (%)28.6%32.7%14.4%
    P/E Multiple10.411.27.2%
    Shares Outstanding (Mil)45451.6%
    Cumulative Contribution36.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2025 to 10/21/2026
    ReturnCorrelation
    BY36.8% 
    Market (SPY)17.0%28.6%
    Sector (XLF)5.3%56.9%

    Fundamental Drivers

    The 98.5% change in BY stock from 9/30/2023 to 10/21/2026 was primarily driven by a 52.6% change in the company's P/E Multiple.
    (LTM values as of)930202310212026Change
    Stock Price ($)18.8337.3998.5%
    Change Contribution By: 
    Total Revenues ($ Mil)34645732.1%
    Net Income Margin (%)27.6%32.7%18.6%
    P/E Multiple7.311.252.6%
    Shares Outstanding (Mil)3745-17.0%
    Cumulative Contribution98.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2023 to 10/21/2026
    ReturnCorrelation
    BY98.5% 
    Market (SPY)87.1%46.7%
    Sector (XLF)76.4%64.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    BY Return79%-15%4%25%2%30%165%
    Peers Return32%5%1%16%8%18%108%
    S&P 500 Return27%-19%24%23%16%12%104%

    Monthly Win Rates [3]
    BY Win Rate83%42%42%50%50%70% 
    Peers Win Rate67%48%48%48%53%58% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    BY Max Drawdown-12%-29%-34%-15%-23%-10% 
    Peers Max Drawdown-20%-24%-37%-15%-26%-14% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: WTFC, ASB, OSBC, FRME, BUSE.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 10/21/2026 (YTD)

    How Low Can It Go

    EventBYS&P 500
    2025 US Tariff Shock
      % Loss-22.2%-18.8%
      % Gain to Breakeven28.5%23.1%
      Time to Breakeven243 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-33.2%-6.7%
      % Gain to Breakeven49.8%7.1%
      Time to Breakeven434 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-26.4%-24.5%
      % Gain to Breakeven35.8%32.4%
      Time to Breakeven655 days427 days
    2020 COVID-19 Crash
      % Loss-55.9%-33.7%
      % Gain to Breakeven126.8%50.9%
      Time to Breakeven331 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-29.9%-19.2%
      % Gain to Breakeven42.7%23.8%
      Time to Breakeven844 days105 days

    Compare to WTFC, ASB, OSBC, FRME, BUSE

    In The Past

    Byline Bancorp's stock fell -22.2% during the 2025 US Tariff Shock. Such a loss loss requires a 28.5% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventBYS&P 500
    2025 US Tariff Shock
      % Loss-22.2%-18.8%
      % Gain to Breakeven28.5%23.1%
      Time to Breakeven243 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-33.2%-6.7%
      % Gain to Breakeven49.8%7.1%
      Time to Breakeven434 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-26.4%-24.5%
      % Gain to Breakeven35.8%32.4%
      Time to Breakeven655 days427 days
    2020 COVID-19 Crash
      % Loss-55.9%-33.7%
      % Gain to Breakeven126.8%50.9%
      Time to Breakeven331 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-29.9%-19.2%
      % Gain to Breakeven42.7%23.8%
      Time to Breakeven844 days105 days

    Compare to WTFC, ASB, OSBC, FRME, BUSE

    In The Past

    Byline Bancorp's stock fell -22.2% during the 2025 US Tariff Shock. Such a loss loss requires a 28.5% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Byline Bancorp (BY)

    Byline Bancorp, Inc. (BY) operates as the bank holding company for Byline Bank, a community-focused financial institution primarily serving the Chicago metropolitan area and Brookfield, Wisconsin. The company provides a comprehensive suite of banking products and services to a diverse clientele, including small and medium-sized businesses, commercial real estate developers, financial sponsors, and individual consumers.

    The bank offers a wide array of core banking services. For deposits, it provides various account types such as checking, savings, money market, and time deposits, complemented by modern conveniences like online and mobile banking. On the lending side, Byline Bank extends term loans, revolving lines of credit, and construction financing. It also offers treasury management products and services for businesses.

    Beyond traditional banking, Byline Bancorp specializes in certain niche lending areas, including Small Business Administration (SBA) and United States Department of Agriculture (USDA) loans, as well as senior secured financing solutions for private equity-backed lower middle market companies. The company also provides equipment financing and a full range of investment, trust, and wealth management services for high-net-worth individuals, foundations, and endowments, encompassing financial planning and advisory services.

    AI Analysis | Feedback

    Analogies for Byline Bancorp (BY):

    • Like a full-service regional bank for the Chicago metropolitan area, similar to a smaller version of KeyBank.
    • The dedicated business bank for Chicago's small and medium-sized companies, akin to a localized Comerica Bank.

    AI Analysis | Feedback

    ```html
    • Retail Banking Services: Provides a range of deposit accounts, ATM/debit cards, and digital banking solutions for individual consumers.
    • Commercial Banking Services: Offers commercial deposit products and treasury management solutions designed for businesses.
    • Commercial & Business Loans: Delivers various financing options including term loans, lines of credit, construction financing, SBA/USDA loans, and equipment financing for businesses and commercial real estate.
    • Wealth Management & Fiduciary Services: Supplies investment, trust, financial planning, and private banking services for high net worth individuals, foundations, and endowments.
    ```

    AI Analysis | Feedback

    ```html

    Byline Bancorp (BY) primarily serves a diverse set of customer categories rather than a few identifiable major customers by name. As a bank, its customer base is broad, encompassing both businesses and individuals. Based on the provided description, its major customer categories include:

    • Small and Medium-Sized Businesses (SMBs): This includes a strong focus on providing various banking products and services, including term loans, revolving lines of credit, construction financing, SBA and USDA loans, and treasury management.
    • Commercial Real Estate Clients and Financial Sponsors: The company offers specialized services and financing solutions for commercial real estate ventures and private equity-backed lower middle market companies.
    • Individual Consumers and High Net Worth Individuals: Byline Bancorp serves individual consumers with retail deposit products (non-interest-bearing accounts, money market, savings, checking, time deposits), ATM/debit cards, and online/mobile banking. It also provides investment, trust, and wealth management services, including private banking, for high net worth individuals, foundations, and endowments.
    ```

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Roberto R. Herencia, Chairman of the Board of Directors and Chief Executive Officer

    Mr. Herencia has served as Chief Executive Officer of Byline Bancorp since February 2021 and Chairman since June 2013. He was President and Chief Executive Officer of BXM Holdings, Inc., an investment fund specializing in community bank investments, since 2010, where he led the recapitalization of Byline's predecessor, Metropolitan Bank Group. Prior to BXM Holdings, Inc., he served as President and Chief Executive Officer of Midwest Banc Holdings, Inc. from 2009 to 2010. Mr. Herencia also spent 17 years with Popular Inc., serving as Executive Vice President and as President of its subsidiary, Banco Popular North America. He has served as an independent director of Banner Corporation and Chairman of the board of directors of First BanCorp. Additionally, he was an independent director of privately held SKBHC Holdings LLC and its two subsidiary banks, American West Bank and First National Bank of Starbuck.

    Alberto J. Paracchini, President

    Mr. Paracchini has served as President and Director for Byline Bancorp, Inc. and President, Chief Executive Officer, and Director for Byline Bank since June 2013. Prior to joining Byline, he was a Principal for BXM Holdings, Inc., an investment fund focused on community bank investments, from October 2010 to June 2013. He spent 16 years at Popular, Inc., holding various leadership positions in its banking and mortgage subsidiaries, including President and CFO of Popular Financial Holdings, CFO of E-Loan, and CFO and Head of Operations and Technology functions at Banco Popular North America. From January to May 2010, Mr. Paracchini was Executive Vice President at Midwest Bank & Trust.

    Thomas J. Bell III, Executive Vice President, Chief Financial Officer

    Mr. Bell has served as Executive Vice President, Chief Financial Officer of Byline Bank since August 2022. Before becoming CFO, he served as the bank's Treasurer for nine years. He has over 30 years of experience in the banking industry. Mr. Bell's previous roles include Senior Vice President, Treasurer and Head of Planning for Anchor Bancorp for three years, and Executive Vice President, Treasurer and Chief Investment Officer for Midwest Bancorp.

    Megan Biggam, Executive Vice President, Head of Community Banking

    Ms. Biggam has served as Executive Vice President of Community Banking for Byline Bank since June 2013. Prior to joining Byline, she was the Director of Marketing of Metrobank Group, Byline's predecessor bank parent, from August 2008 to June 2013. Her prior experience includes serving as a Division Marketing Manager at Washington Mutual and a Regional Marketing Director for TCF Bank.

    Brogan M. Ptacin, Executive Vice President, Head of Commercial Banking

    Mr. Ptacin holds the title of Executive Vice President, Head of Commercial Banking at Byline Bancorp.

    AI Analysis | Feedback

    1. Credit Risk

    As a bank holding company, Byline Bancorp's primary business involves lending to small and medium-sized businesses, commercial real estate, and lower middle market companies. This exposes the company to significant credit risk, which is the risk that borrowers will default on their loan obligations. An increase in loan defaults could lead to higher loan loss provisions, reduced interest income, and an erosion of capital, directly impacting the company's financial performance and stability.

    2. Interest Rate Risk

    Byline Bancorp's profitability is highly sensitive to changes in interest rates. The company generates revenue from the spread between the interest earned on its loans and investments and the interest paid on its deposits and borrowings. Fluctuations in interest rates can compress this net interest margin. For instance, a rapid increase in funding costs (e.g., higher deposit rates) without a corresponding increase in asset yields, or vice versa, could negatively impact the company's profitability.

    3. Geographic Concentration Risk

    Byline Bancorp operates primarily within a concentrated geographic area, with 43 of its 44 branches located in the Chicago metropolitan area and one in Brookfield, Wisconsin. This significant geographic concentration makes the company highly susceptible to local economic conditions. An economic downturn, adverse business conditions, or significant industry-specific challenges within the Chicago metropolitan area could disproportionately affect the credit quality of its loan portfolio, reduce demand for its banking products and services, and ultimately impact its financial performance more severely than if its operations were more geographically diversified.

    AI Analysis | Feedback

    The rise of digital-first challenger banks and financial technology (fintech) companies presents a clear emerging threat to Byline Bancorp. These new entrants leverage advanced technology and leaner operating models to offer more convenient, faster, and often lower-cost banking and lending solutions. This directly competes with Byline Bancorp for its target segments, including small and medium-sized businesses seeking loans and treasury management, consumers looking for deposit products and mobile banking, and specialized lending needs such as SBA/USDA and equipment financing. These digital competitors can potentially erode Byline Bancorp's market share by attracting customers who prioritize streamlined digital experiences and potentially more competitive rates or lower fees over traditional branch-based banking.

    AI Analysis | Feedback

    Byline Bancorp (symbol: BY) operates in several addressable markets primarily within the United States, with a concentration in the Chicago metropolitan area and parts of Illinois and Wisconsin. Here's an overview of the estimated market sizes for its main products and services:

    • Small and Medium-sized Business (SMB) Banking and Lending: The U.S. commercial banking market, which serves businesses of various sizes, was estimated at USD 732.5 billion in 2025 and is projected to reach USD 954.48 billion by 2031. Specifically, the U.S. small business loan market was valued at approximately USD 245.39 billion in 2023 and is projected to grow to USD 349.64 billion by 2033. The market for SME financial products and services in the U.S. is estimated to have a potential of approximately USD 370 billion. In Illinois, the commercial banking industry has been growing at an average annual rate of 7.0% from 2020 to 2025. Small business financing activity in Chicago has shown year-over-year growth.
    • Commercial Real Estate Financing: The U.S. commercial real estate (CRE) mortgage market consists of approximately USD 4.5 trillion backed by income-producing properties and an additional USD 470 billion in construction loans, as of March 2023. Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at USD 498 billion in 2024. The global commercial lending market, which includes commercial real estate, was valued at USD 10,923.28 billion in 2025 and is projected to reach USD 28,369.38 billion by 2034. For construction-specific financing, the global construction equipment finance market was valued at USD 91.5 billion in 2023.
    • Consumer Banking Products (Retail Banking): The United States retail banking market was valued at approximately USD 870 billion in 2025 and is estimated to grow to USD 1,112.2 billion by 2031. Another estimate places the U.S. retail banking market revenue at USD 1.28 trillion in 2025.
    • SBA (Small Business Administration) Loans: The U.S. Small Business Administration provided USD 37.8 billion in 7(a) and 504 funding in fiscal year 2024. Quarterly approvals for SBA 7(a) loans reached over USD 10 billion in Q2 FY2025.
    • USDA (United States Department of Agriculture) Loans: The total origination value for USDA loans in the U.S. was approximately USD 5.3 billion in 2024. The overall volume for USDA loans across more than 860 lenders in the U.S. reached over USD 6.3 billion in the past year (2024).
    • Equipment Financing: The U.S. equipment finance industry expanded to an estimated USD 1.34 trillion in 2023. Approximately 57.7% of all equipment and software investment in the U.S. was financed. The global equipment finance service market was USD 1,437.04 billion in 2025 and is projected to reach USD 1,591.37 billion in 2026.
    • Wealth Management, Investment, and Trust Services: The global wealth management market was valued at USD 1.83 trillion in 2024 and is projected to reach USD 5.95 trillion by 2033. The U.S. wealth management market oversees approximately USD ~trillion in assets under management (specific figure redacted, but context implies a very large market). Robo-advisors alone managed over USD 1 trillion in assets in the U.S. as of 2025. For Illinois specifically, the Portfolio Management & Investment Advice industry had a market size of USD 28.7 billion in 2026.

    AI Analysis | Feedback

    Here are 3-5 expected drivers of future revenue growth for Byline Bancorp (BY) over the next 2-3 years:

    1. Loan Portfolio Growth: Byline Bancorp anticipates continued growth in its loan and lease portfolio, with management expecting mid-single-digit loan growth for 2026, primarily within its commercial banking segment. This expansion, particularly in commercial and industrial loans, owner-occupied commercial real estate, and government-guaranteed loans like SBA 7(a) and USDA loans, is a fundamental driver of net interest income and overall revenue.
    2. Expansion of Commercial Payments Business: The company launched a new commercial payments business in early 2025, which has shown promising early success. This initiative is expected to scale significantly in 2026, targeting high-volume ACH transactions and payroll processors, thereby enhancing service offerings, increasing the customer base, and contributing to fee income streams.
    3. Net Interest Margin (NIM) Management and Expansion: Byline Bancorp has demonstrated effective management of its net interest margin, which expanded in 2025, reaching 4.36% in the fourth quarter. The bank's ability to optimize its loan portfolio repricing mix and manage deposit costs is crucial for maintaining and growing net interest income, a key component of revenue, in varying interest rate environments.
    4. Strategic Acquisitions and Integration: Byline Bancorp has a history of strategic acquisitions, such as the successful integration of First Security Bancorp in 2025. These acquisitions contribute to growth by expanding the company's branch network, enhancing its capabilities and service offerings, and increasing its customer base within its operational regions. The company's capital allocation priorities include mergers and acquisitions.
    5. Growth in Non-Interest Income: Beyond its commercial payments business, Byline Bancorp aims to increase other sources of non-interest income. This includes income from wealth management and trust services, fees and service charges on deposits, and gains on sales of U.S. government-guaranteed loans. Diversifying revenue streams through these non-interest income sources provides additional growth opportunities and financial stability.

    AI Analysis | Feedback

    Share Repurchases

    • On December 11, 2025, Byline Bancorp's Board of Directors approved a new stock repurchase program authorizing the repurchase of up to 2.25 million shares of outstanding common stock, representing approximately 4.9% of current outstanding shares. This program is effective from January 1, 2026, to December 31, 2026.
    • As part of a repurchase program initiated on January 1, 2025, Byline Bancorp bought back 418,235 shares at $24.75 per share in connection with a secondary public offering that closed on June 12, 2025.

    Share Issuance

    • During 2025, Byline Bancorp granted 323,488 shares of restricted common stock, with some vesting ratably over three years and others cliff vesting on the third anniversary.
    • The number of outstanding shares increased by 3.31% in 2025 and 1.37% in 2024.

    Inbound Investments

    • Directors of Byline Bancorp collectively invested $1.27 million, purchasing shares at $24.75 per share in connection with a secondary public offering that closed on June 12, 2025.

    Outbound Investments

    • In 2025, Byline Bancorp completed the acquisition of First Security, which contributed to the growth of its loan and lease portfolio and enhanced its market position.

    Capital Expenditures

    • Byline Bancorp's capital expenditures (CapEx) for the trailing twelve months as of March 31, 2025, were $5.23 million, for December 31, 2024, were $3.37 million, and for December 31, 2023, were $3.86 million.
    • The company's Capital Expenditures 5-Year Compound Annual Growth Rate (CAGR) was 0.4% in 2025, reflecting a 131.4% increase year-over-year.
    • The primary focus of capital expenditures includes supporting growth, with an estimated ~$5.3 million of annualized cost savings from branch optimization (since 2013, the branch network was reduced from 88 to 45 locations), with about 70% of those savings reinvested into talent and technology for digital banking capabilities.

    Peer Outperformance in Regional Banks

    BY has outperformed 60% of its 259 Regional Banks peers over 5Y. Among the peers that beat it is SRCE. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that BY has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    74%
    of 281 industry peers · 40.8% return
    3Y
    58%
    of 271 industry peers · 107.6% return
    5Y
    60%
    of 259 industry peers · 63.8% return
    Regional Banks peers with revenue growth within 4pp of BY's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    BY Byline Bancorp 9.8% 11.2x 40.8%107.6%63.8% —
    SRCE 1st Source 7.0% 12.1x 47.3%110.9%101.1% +37pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is BY's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 29.3%70.9%117.9% SPNT 175% · RGA 150% · RNR 149%
    Diversified Banks 12 28.8%148.1%90.6% CM 141% · RY 126% · JPM 124%
    Life & Health Insurance 20 13.6%61.4%84.5% JXN 473% · UNM 291% · MFC 183%
    Multi-Sector Holdings 4 9.7%58.8%71.2% BRK-B 88% · VOYA 54% · JEF 30%
    Investment Banking & Brokerage 13 -12.1%102.8%70.1% IBKR 373% · SNEX 176% · GS 151%
    Property & Casualty Insurance 42 13.6%80.6%63.8% TRV 174% · PGR 161% · ACGL 146%
    Multi-line Insurance 9 7.7%67.3%58.4% GNW 98% · L 98% · AIZ 87%
    Regional Banks ← 260 29.2%97.1%53.0% CBC 228% · FCNCA 161% · NIC 138%
    Financial Exchanges & Data 15 7.8%36.5%29.9% CBOE 168% · VIRT 161% · CME 70%
    Consumer Finance 30 -1.3%90.3%27.5% ENVA 413% · EZPW 325% · FCFS 154%
    Insurance Brokers 15 -6.3%7.3%19.4% LIFE 416% · ARX 88% · AJG 66%
    Diversified Financial Services 4 -4.1%22.5%5.3% FRHC 158% · EQH 83%
    Asset Management & Custody Banks 84 -13.7%21.9%3.0% WT 296% · AAMI 257% · VCTR 244%
    Commercial & Residential Mortgage Finance 15 -54.2%35.1%-5.8% FNMA 340% · FMCC 305% · ACT 149%
    Specialized Finance 3 7.9%35.9%-12.1% CACC -12% · HASI -22%
    Mortgage REITs 34 -21.7%-2.9%-35.1% RITM 25% · DX 17% · AGNC 6%
    Transaction & Payment Processing Services 17 0.6%8.3%-36.6% V 84% · MA 80% · CPAY 47%
    Diversified Capital Markets 20 -53.8%13.4%-63.7% LPLA 89% · TW 45% · RIOT -52%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Financials

    BYWTFCASBOSBCFRMEBUSEMedian
    NameByline B.Wintrust.Associat.Old Seco.First Me.First Bu. 
    Mkt Price40.05149.7929.8324.7340.8030.6235.34
    Mkt Cap1.810.15.61.32.52.62.6
    Rev LTM4572,8641,603375692790741
    Op Inc LTM-------
    FCF LTM1621,573680142315209262
    FCF 3Y Avg149986556135281172226
    CFO LTM1651,644719146315228271
    CFO 3Y Avg1531,050601143281184232

    Growth & Margins

    BYWTFCASBOSBCFRMEBUSEMedian
    NameByline B.Wintrust.Associat.Old Seco.First Me.First Bu. 
    Rev Chg LTM9.9%11.5%46.4%30.8%8.4%41.4%21.1%
    Rev Chg 3Y Avg9.8%9.5%9.5%11.3%0.9%21.1%9.7%
    Rev Chg Q6.6%10.1%23.2%29.0%19.3%-0.7%14.7%
    QoQ Delta Rev Chg LTM1.6%2.4%5.6%6.0%4.8%-0.2%3.6%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM36.0%57.4%44.9%38.9%45.5%28.8%41.9%
    CFO/Rev 3Y Avg35.9%39.5%48.1%46.6%42.9%31.3%41.2%
    FCF/Rev LTM35.5%54.9%42.4%37.9%45.5%26.4%40.2%
    FCF/Rev 3Y Avg35.0%36.9%44.4%43.6%42.9%29.4%39.9%

    Valuation

    BYWTFCASBOSBCFRMEBUSEMedian
    NameByline B.Wintrust.Associat.Old Seco.First Me.First Bu. 
    Mkt Cap1.810.15.61.32.52.62.6
    P/S3.93.53.53.43.73.33.5
    P/Op Inc-------
    P/EBIT-------
    P/E11.911.211.113.713.611.211.6
    P/CFO10.86.17.88.78.111.48.4
    Total Yield10.2%10.9%12.2%8.4%11.0%13.5%10.9%
    Dividend Yield1.2%1.8%3.0%1.1%3.5%4.3%2.4%
    FCF Yield 3Y Avg11.2%11.2%13.2%16.2%12.4%8.7%11.8%
    D/E0.30.40.90.40.60.10.4
    Net D/E-0.6-0.7-0.5-0.30.2-1.0-0.6

    Returns

    BYWTFCASBOSBCFRMEBUSEMedian
    NameByline B.Wintrust.Associat.Old Seco.First Me.First Bu. 
    1M Rtn6.9%1.8%1.6%-0.4%-0.2%2.2%1.7%
    3M Rtn6.5%-5.2%-2.1%5.9%-5.9%4.4%1.1%
    6M Rtn21.9%2.0%8.9%17.3%2.9%18.6%13.1%
    12M Rtn50.9%17.4%21.8%38.6%14.7%37.0%29.4%
    3Y Rtn122.3%112.2%116.1%89.7%71.1%80.6%101.0%
    1M Excs Rtn9.7%4.9%4.2%1.7%1.8%4.5%4.3%
    3M Excs Rtn3.1%-8.2%-4.1%2.1%-5.2%1.0%-1.5%
    6M Excs Rtn14.1%-5.4%1.4%10.1%-4.5%11.1%5.7%
    12M Excs Rtn36.6%6.1%8.0%27.6%1.2%22.7%15.3%
    3Y Excs Rtn32.7%32.5%25.8%15.0%-12.0%1.3%20.4%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20265/1/20262/27/202611/7/20258/7/20255/2/20252/28/202511/1/20248/5/20245/3/20243/4/202411/3/2023
    Key Financials Quarterly            
    Total Revenue11711111611411010210310199100100104
    Net Income403835373028303030303028
    EPS0.900.840.770.820.660.650.690.700.680.700.690.66
    Key Financials TTM            
    Total Revenue TTM457450442429416405404400403394384370
    Net Income TTM149139130126119119121120118114108101
    Growth Rates Quarterly            
    Total Revenue Growth6.6%8.3%12.1%12.6%11.0%1.8%3.3%-2.7%10.0%11.6%15.7%29.8%
    Net Income Growth33.6%33.0%13.9%22.7%1.4%-7.2%2.4%7.5%13.7%27.1%30.4%24.6%
    Margins Quarterly            
    Net Income Margin34.4%34.0%29.8%32.7%27.5%27.6%29.3%30.0%30.1%30.3%29.6%27.2%
    Cash & Debt            
    Total Cash1,5861,5881,3401,4922531,6891,9791,9552,1172,0161,5691,669
    Total Debt5405804955405256957436281,030831513819
    Net Debt / (Cash)-1,046-1,008-845-951272-994-1,236-1,327-1,088-1,185-1,055-850
    Cash Flows Quarterly            
    FCF from Operations14555937172853204062-579
    Cash Flows TTM            
    FCF from Operations TTM165167140135117141175117176179166206
    Returns to Shareholders Quarterly            
    Dividends655554444444
    Share Repurchases910100131-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC----14.6%-------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM----14.4%-------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking operations633625536320304
    Total633625536320304


    Net Income by Segment
    $ Mil202520242023
    Banking operations130121108
    Total130121108


    Assets by Segment
    $ Mil202520242023
    Banking operations9,6539,4978,882
    Total9,6539,4978,882


    Price Behavior

    Price Behavior
    Market Price$37.39 
    Market Cap ($ Bil)1.7 
    First Trading Date06/30/2017 
    Distance from 52W High-5.9% 
       50 Days200 Days
    DMA Price$37.78$34.55
    DMA Trenddownup
    Distance from DMA-1.0%8.2%
     3M1YR
    Volatility15.2%20.8%
    Downside Capture53.5035.46
    Upside Capture39.9471.06
    Correlation (S&P 500)18.1%25.6%
    BY Betas & Captures as of 9/30/2026

     1M2M3M6M1Y3Y
    Beta0.640.400.370.300.510.83
    Up Beta-1.390.440.020.210.360.79
    Down Beta0.07-0.28-0.19-0.270.400.83
    Up Capture76%23%51%54%63%73%
    Bmk +ve Days6162766132424
    Stock +ve Days7172965131380
    Down Capture126%91%73%42%55%94%
    Bmk -ve Days16263760120328
    Stock -ve Days15243459116360

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BY
    BY41.5%20.8%1.56-
    Sector ETF (XLF)7.5%14.4%0.2752.8%
    Equity (SPY)16.2%12.7%0.9025.2%
    Gold (GLD)-6.0%29.0%-0.22-2.1%
    Commodities (DBC)50.2%20.7%1.85-28.2%
    Real Estate (VNQ)3.1%13.8%-0.0337.9%
    Bitcoin (BTCUSD)-25.3%43.4%-0.555.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BY
    BY10.5%28.0%0.36-
    Sector ETF (XLF)9.7%18.3%0.3963.9%
    Equity (SPY)13.6%17.1%0.6148.3%
    Gold (GLD)17.7%18.9%0.76-2.1%
    Commodities (DBC)9.5%19.5%0.377.6%
    Real Estate (VNQ)1.1%18.9%-0.0545.8%
    Bitcoin (BTCUSD)7.6%51.7%0.3319.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BY
    BY7.5%34.1%0.31-
    Sector ETF (XLF)13.1%22.1%0.5466.7%
    Equity (SPY)15.5%17.9%0.7349.4%
    Gold (GLD)12.2%16.4%0.61-3.4%
    Commodities (DBC)8.2%18.1%0.3718.5%
    Real Estate (VNQ)5.2%20.7%0.2148.8%
    Bitcoin (BTCUSD)62.6%66.2%1.0214.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date9302026
    Short Interest: Shares Quantity1.4 Mil
    Short Interest: % Change Since 915202622.1%
    Average Daily Volume0.3 Mil
    Days-to-Cover Short Interest5.4 days
    Basic Shares Quantity44.6 Mil
    Short % of Basic Shares3.2%

    Returns Analyses

    Earnings Returns History

    Updated 10/22/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20262.6%4.2%2.0%
    4/23/2026-0.1%-2.8%0.7%
    1/22/20260.4%-1.9%5.3%
    10/23/20255.6%0.6%4.0%
    7/24/20250.2%-2.7%7.4%
    4/24/2025-0.2%0.4%1.2%
    1/23/20250.2%4.4%2.6%
    10/24/20241.2%1.4%20.8%
    ...
    SUMMARY STATS   
    # Positive171418
    # Negative7106
    Median Positive1.9%4.3%5.2%
    Median Negative-1.2%-4.2%-3.9%
    Max Positive9.2%15.0%36.0%
    Max Negative-3.1%-12.2%-10.3%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20262.6%4.2%2.0%
    4/23/2026-0.1%-2.8%0.7%
    1/22/20260.4%-1.9%5.3%
    10/23/20255.6%0.6%4.0%
    7/24/20250.2%-2.7%7.4%
    4/24/2025-0.2%0.4%1.2%
    1/23/20250.2%4.4%2.6%
    10/24/20241.2%1.4%20.8%
    7/25/20241.4%-6.1%-3.0%
    4/25/20243.3%8.2%10.9%
    1/25/2024-0.4%-6.7%-9.4%
    10/26/2023-1.7%2.9%5.5%
    7/27/20239.2%7.7%2.9%
    4/27/20230.7%-12.2%-4.7%
    1/26/20230.5%10.0%9.4%
    10/27/20222.7%-1.5%-2.7%
    7/28/2022-2.8%-11.3%-10.3%
    4/28/2022-1.2%0.2%5.2%
    1/27/2022-3.1%-5.4%-0.3%
    10/28/20211.7%5.9%4.9%
    7/29/20214.4%3.2%9.1%
    4/29/20213.1%5.4%5.1%
    1/28/20211.9%15.0%36.0%
    10/22/20202.1%-3.0%11.8%
    SUMMARY STATS   
    # Positive171418
    # Negative7106
    Median Positive1.9%4.3%5.2%
    Median Negative-1.2%-4.2%-3.9%
    Max Positive9.2%15.0%36.0%
    Max Negative-3.1%-12.2%-10.3%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/01/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/01/202410-Q
    06/30/202408/05/202410-Q
    03/31/202405/03/202410-Q
    12/31/202303/04/202410-K
    09/30/202311/03/202310-Q
    06/30/202308/03/202310-Q
    03/31/202305/05/202310-Q
    12/31/202203/07/202310-K
    09/30/202211/04/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/01/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/01/202410-Q
    06/30/202408/05/202410-Q
    03/31/202405/03/202410-Q
    12/31/202303/04/202410-K
    09/30/202311/03/202310-Q
    06/30/202308/03/202310-Q
    03/31/202305/05/202310-Q
    12/31/202203/07/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/04/202210-Q
    03/31/202205/06/202210-Q
    12/31/202103/07/202210-K
    09/30/202111/05/202110-Q
    06/30/202108/05/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/04/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/05/202010-Q
    12/31/201903/12/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 8/20/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Herseth, Mary JO SThe Herseth Family Revocable Trust Dated 12/02/25Buy820202638.4030011,519733,345Form
    2Kistner, William GWilliam G. Kistner Trust Date June 22, 1973Buy820202638.301003,830547,269Form
    3Herencia, Roberto RCHIEF EXECUTIVE OFFICERDirectSell814202639.2119,750774,30716,138,628Form
    4Rose, DanaCHIEF HUMAN RESOURCES OFFICERDirectSell812202639.002,42194,419452,595Form
    5Mbg, Investors I, LPDirectSell811202639.10300,00011,730,000451,024,170Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Herseth, Mary JO SThe Herseth Family Revocable Trust Dated 12/02/25Buy820202638.4030011,519733,345Form
    2Kistner, William GWilliam G. Kistner Trust Date June 22, 1973Buy820202638.301003,830547,269Form
    3Herencia, Roberto RCHIEF EXECUTIVE OFFICERDirectSell814202639.2119,750774,30716,138,628Form
    4Rose, DanaCHIEF HUMAN RESOURCES OFFICERDirectSell812202639.002,42194,419452,595Form
    5Mbg, Investors I, LPDirectSell811202639.10300,00011,730,000451,024,170Form
    6Del, Valle Perochena AntonioMBG Investors I, L.P.Sell811202639.10300,00011,730,000451,024,170Form
    7Kistner, William GWilliam G. Kistner Trust Date June 22, 1973Buy504202631.971003,197453,622Form
    8Herseth, Mary JO SThe Herseth Family Revocable Trust Dated 12/02/25Buy316202630.833009,249579,598Form
    9Barkidjija, JohnHEAD OF CRE & SPECIALTY FINDirectSell227202632.334,509145,776622,126Form
    10Doran, Brian FGeneral CounselDirectBuy217202633.1375024,84724,847Form
    11Cabrera, Phillip RPhillip R. Cabrera Revocable TrustBuy129202631.031695,244128,123Form
    12Abraham, ThomasPRESIDENT, SBCDirectSell1029202526.8923,400629,1471,045,405Form
    13Kistner, William GWilliam G. Kistner Trust Date June 22, 1973Buy1028202527.56651,791388,258Form
    14Rose, DanaCHIEF HUMAN RESOURCES OFFICERDirectSell915202528.761,99957,491293,123Form
    15Ptacin, BroganHEAD OF COMMERCIAL BANKINGDirectSell829202529.1011,812343,729633,623Form
    16Kistner, William GWilliam G. Kistner Trust Date June 22, 1973Buy811202525.70601,542360,487Form

    Investor Activity (13F)

    Updated Oct 22, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Endeavour Capital Advisors Inc$5.7 Mil1.3%42ADD +16.4%13F
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Endeavour Capital Advisors Inc$5.7 Mil1.3%42ADD +16.4%13F
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Endeavour Capital Advisors Inc$5.7 Mil1.3%42ADD +16.4%13F

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    Core Cache Last Updated: 10/21/2026