Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. Looking at the history of these trends, perhaps none is more beloved than value investing. This strategy simply looks to identify companies that are being undervalued by the broader market. Value investors use tried-and-true metrics and fundamental ...

The proven Zacks Rank system focuses on earnings estimates and estimate revisions to find winning stocks. Nevertheless, we know that our readers all have their own perspectives, so we are always looking at the latest trends in value, growth, and momentum to find strong picks. Considering these trends, value investing is clearly one of the most preferred ways to find strong stocks in any type of market. Value investors rely on traditional forms of analysis on key valuation metrics to find stocks that they be ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades. Even though momentum is a popular stock cha ...

After reaching an important support level, Byline Bancorp, Inc. (BY) could be a good stock pick from a technical perspective. BY recently experienced a "golden cross" event, which saw its 50-day simple moving average breaking out above its 200-day simple moving average. Considered an important signifier for a bullish breakout, a golden cross is a technical chart pattern that's formed when a stock's short-term moving average breaks above a longer-term moving average; the most common crossover involves the 50 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______to ______ Commission File Number 001-38139 Byline Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) Delaware 36-3012593 (State or Other Jurisdic ...

CHICAGO, April 29, 2024 (GLOBE NEWSWIRE) -- Byline Bank, the #1 SBA lender in Illinois and a top 5 SBA lender nationwide for fiscal year 2023, is joining the U.S. Small Business Administration in celebration of Small Business Week (April 28-May 4, 2024) by recognizing entrepreneurial borrowers who have fulfilled their aspirations of small business ownership thanks to tailored financing solutions from Byline. Every weekday between April 29 and May 3, Byline Bank will highlight a small business owner—both in ...

业绩总结 - 公司2024年第一季度净收入为3,040万美元，调整后每股收益为0.70美元[5][21] - 公司2024年第一季度净利息净收入为8,550万美元，同比增长13%[5] - 公司2024年第一季度总贷款和租赁额为68亿美元，同比增长6.0%[6] - 公司2024年第一季度总存款为74亿美元，同比增长9.7%[7] - 公司2024年第一季度净利息收入为8,550万美元，较上一季度下降0.9%[8] - 公司2024年第一季度非利息收入为1,550万美元，较上一季度增长6.7%[9] - 公司2024年第一季度非利息支出为5,380万美元，环比持平[10] 资产质量 - 公司资产质量趋势显示，净核销为105.7亿美元，信贷损失准备金为102.4亿美元，占总贷款和租赁额的比例为1.52%[11] 资本情况 - 公司现金及现金等价物达到636.8亿美元，投资组合约为14亿美元，可借款能力为20亿美元[12] - 公司资本比率为18.95%，平均有形普通股权益回报率为17.89%[13] 公司策略 - 公司策略包括增长商业客户群体、维持强劲资产质量、投资数字化能力、利用市场机会、实现强劲财务业绩和发挥所有能力[14] 贷款情况 - 公司存款基础分散，FDIC保险存款占总存款的71%，商业存款为3.4亿美元[16] - 公司未担保政府担保敞口占总贷款的6.3%，SBA 7(a)和USDA贷款总额约为5亿美元[19] 未来展望 - 公司预计收购会计增值为2.4亿美元，预计未来几个季度的增值情况[20]

财务数据和关键指标变化 - 公司在第一季度实现净利润3040万美元,每股收益0.70美元,较上一季度增加2美分,同比增长9.4% [19] - 公司的资产回报率为136个基点,权益回报率为15.9% [19] - 公司的税前拨备收益率连续第六个季度超过200个基点,达到210个基点 [20] 各条业务线数据和关键指标变化 - 贷款规模增长6%,达到68亿美元,主要来自商业银行和租赁业务 [22] - 存款规模增长9.7%,达到74亿美元,反映了商业客户关系的增长和公司在市场上的竞争力 [23] - 净利差下降8个基点至4%,主要受到资金成本上升的影响,但剔除收购贷款摊销和短期投资影响后,净利差仅下降2个基点至3.8% [24] 各个市场数据和关键指标变化 - 公司未披露具体的不良贷款和关键指标的市场分布情况 [61][86] 公司战略和发展方向及行业竞争 - 公司保持了良好的有机增长势头,并积极寻求通过收购等方式进一步扩大业务规模 [43][80][81][109] - 公司在资产负债表管理方面采取了一些措施,如增加固定利率贷款和投资组合,以降低资产敏感性 [97][100][101] - 公司表示行业竞争仍然激烈,但公司在定价和获客方面保持了良好的竞争力 [51][54][55] 管理层对经营环境和未来前景的评论 - 管理层对公司的经营环境和未来前景保持乐观态度,认为公司有良好的有机增长机会 [43][45] - 管理层表示,尽管资金成本上升给净利差带来压力,但公司仍愿意以略高的资金成本换取长期客户关系和业务机会 [44][45] 问答环节重要的提问和回答 问题1 **David Long 提问** 提问了公司在存款竞争方面的情况,包括是否看到更多竞争以及来自哪些类型的竞争对手 [51][52] **Tom Bell 回答** 回答称公司实际看到一些大型银行和区域性银行的存款竞争有所放缓,公司正在获得一些市场份额,但整体竞争环境仍然激烈 [52] 问题2 **Terry McEvoy 提问** 询问了公司在工业仓储和多户型房地产等细分市场的情况 [60] **Mark Fucinato 回答** 回答称公司在这些细分市场目前未发现明显问题,会密切关注贷款到期日、贷款价值比和现金流等关键指标 [61] 问题3 **Nathan Race 提问** 询问了公司进行的短期投资交易的具体情况 [66][67][68] **Tom Bell 和 Alberto Paracchini 回答** 回答称这是一笔无风险的交易,旨在获取一定的净利息收入,公司会根据市场情况决定何时结束这笔交易 [68][69][91]

For the quarter ended March 2024, Byline Bancorp (BY) reported revenue of $101.01 million, up 11.2% over the same period last year. EPS came in at $0.70, compared to $0.65 in the year-ago quarter. The reported revenue represents a surprise of +3.76% over the Zacks Consensus Estimate of $97.35 million. With the consensus EPS estimate being $0.63, the EPS surprise was +11.11%. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Stree ...

财务表现 - Byline Bancorp (BY)在本季度每股盈利为0.70美元，超过了Zacks Consensus Estimate的0.63美元[1] - 公司在过去四个季度中四次超过了市场预期的每股收益[2] - Byline Bancorp在2024年3月结束的季度实现了1.01亿美元的营收，超过了Zacks Consensus Estimate的3.76%[3]