BY at a glance
BYLINE BANCORP, INC. (BY, SEC CIK 1702750) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on October 6, 2026 and Form 4 insider filings as recently as August 20, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), BYLINE BANCORP, INC. (BY) reported revenue of $572.2 million (up 1.1% from FY2024) and net income of $130.1 million. Diluted EPS was $2.89.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding BYLINE BANCORP, INC. (BY) shares worth $468.0 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by HERSETH MARY JO S. on August 19, 2026 of 300 shares at $38.40 per share.
- In the last 90 days, BY insiders reported 2 open-market purchases ($15K) and 4 open-market sales ($24.3M) on Form 4, a net sale of $24.3M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $572.2M
- +1.1% vs prior year
- Insiders · 90 days
- 2 buys · 4 sells
- Net −$24.3M
- 13F holders
- 29 funds
- $468.0M · +2 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional commercial banking serving Illinois with deposit, lending, payment, and related financial services
- Emphasis on regulatory compliance updates: extensive focus on new proposed FDIC/OCC rule defining “unsafe or unsound practice” based on material financial impact
- Strategic shift: navigating evolving regulatory environment with FDIC deposit insurance assessments up 2 basis points since 2023, revised CRA rules and Illinois CR Act implementation
- Quantitative metric: No specific financials disclosed, but notes bank asset size under $10B for key regulatory applicability thresholds
- Noteworthy fact: CFPB’s Small Business Lending rule compliance delayed to July 1, 2026, with potential further extension to 2028 and narrowing of scope
Risk Factors
- Regulatory risk from banking regulators requiring increased provisions for credit losses, potentially reducing net income and capital
- Geographic concentration risk with $2.27B real estate loans primarily in Chicago metro area, vulnerable to local economic downturns
- Operational reliance on third-party IT vendors for core banking and payment services, with replacement challenges and cost risks
- Competition risk from banks offering higher deposit rates, raising Byline Bancorp’s interest expense and impacting net interest margin
- Liquidity risk due to dependence on Byline Bank dividends limited to $241M without regulatory approval
Management Discussion & Analysis
- Total loans and leases $7.51B, up $602.5M (8.7%) YoY; commercial & industrial loans grew 13.4% to $3.0B
- Allowance for credit losses $108.8M, up 11.1% from $98.0M; ACL ratio 1.45% vs 1.42% of total loans
- Best performing segment: commercial & industrial loans $3.0B (+13.4%); worst: construction, land development down 16.6% to $408.1M
- Total assets $9.7B, up $156.1M (1.6%); liabilities down $20.3M; deposits up $188.8M (+2.5%); FHLB advances down $235M (-40.9%)
- Management expects 2026 effective tax rate around 25%-27%; no impairment on investment securities despite $121.6M unrealized losses
AI summary of the BY 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results cover the quarter ended June 30, 2026
- Press release attached as Exhibit 99.1 contains the financial results
Item EX-99.1: Item EX-99.1
- Q2 net income $40.2M and diluted EPS $0.90, up from $30.1M and $0.66 year-over-year
- Adjusted EPS $0.91, up 9.6% linked quarter and 21.3% year-over-year
Item 5.07: Submission of Matters to a Vote of Security Holders
- 38,463,091 shares represented, equal to 84.68% of outstanding voting shares
- All ten director nominees elected to one-year terms through the 2027 Annual Meeting
AI summaries of BY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for BY
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| HERSETH MARY JO S. | Buy | Aug 19, 2026 | 300 | $38.40 |
| KISTNER WILLIAM G | Buy | Aug 19, 2026 | 100 | $38.30 |
| HERENCIA ROBERTO R | Sell | Aug 13, 2026 | 19,750 | $39.21 |
| Rose Dana | Sell | Aug 12, 2026 | 2,421 | $39.00 |
| DEL VALLE PEROCHENA ANTONIO | Sell | Aug 7, 2026 | 300,000 | $39.10 |
| MBG INVESTORS I, L.P. | Sell | Aug 7, 2026 | 300,000 | $39.10 |
| Ptacin Brogan | A | Aug 3, 2026 | 9,450 | $12.70 |
| Ptacin Brogan | D | Aug 3, 2026 | 9,450 | $39.61 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $479.5M | $565.9M | $572.2M |
| Net Income | $107.9M | $120.8M | $130.1M |
| Net Margin | 22.5% | 21.3% | 22.7% |
| Balance Sheet | |||
| Total Assets | $8.9B | $9.5B | $9.7B |
| Equity | $990.2M | $1.1B | $1.3B |
| ROE | 10.9% | 11.1% | 10.3% |
| Per Share | |||
| EPS | - | $2.75 | $2.89 |
| Cash Flow | |||
| Operating CF | $166.1M | $175.2M | $140.3M |
| CapEx | $3.9M | $4.0M | $4.0M |
Source: XBRL data in BYLINE BANCORP, INC. (BY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate BY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $468.0M |
| Q1 2026 | 27 | $389.9M |
| Q4 2025 | 25 | $362.8M |
| Q3 2025 | 26 | $349.8M |
| Q2 2025 | 27 | $299.7M |
| Q1 2025 | 22 | $199.0M |
| Q4 2024 | 16 | $191.0M |
| Q3 2024 | 16 | $102.1M |
- BlackRock+216.0K (+7%)
- AQR Capital Management+148.5K (+22%)
- Two Sigma Investments+143.1K (+69%)
- State Street Corp+58.2K (+6%)
- Dimensional Fund Advisors+58.2K (+2%)
- FMR LLC (Fidelity)−643.7K (-78%)
- Goldman Sachs Group−86.9K (-29%)
- Vanguard Capital Management LLC−67.0K (-5%)
- Millennium Management−37.1K (-13%)
- Invesco Ltd−4.4K (-8%)
- Renaissance Technologies LLC+80.6K
- D.E. Shaw & Co+19.8K
Source: 13F-HR filings on SEC EDGAR (aggregated from 188 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
BY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Oct 6, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | - | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 10, 2026 | - | - | |
| 8-K | Jun 3, 2026 | - | Analysis | |
| 4 | Jun 3, 2026 | - | - | |
| 8-K | May 22, 2026 | - | Analysis | |
| 4 | May 4, 2026 | - | - | - |
| 10-Q | May 1, 2026 | Mar 31, 2026 | - | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Apr 20, 2026 | - | - | - |
| 4 | Mar 16, 2026 | - | - | - |
| 4 | Mar 2, 2026 | - | - | - |
| 10-K | Feb 27, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Feb 24, 2026 | - | - | - |
| 4 | Feb 24, 2026 | - | - | - |
| 4 | Feb 24, 2026 | - | - | - |
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BY SEC filings: frequently asked questions
Are BY insiders buying or selling?
In the last 90 days, BYLINE BANCORP, INC. (BY) officers, directors and 10% owners reported 2 open-market purchases worth $15,349 by 2 insiders and 4 open-market sales worth $24.3 million by 4 insiders on Form 4, a net sale of $24.3 million. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold BY stock?
As of June 30, 2026, the largest BYLINE BANCORP, INC. (BY) holders among the 13F filers tracked by SignalX were BlackRock ($132.2 million), Dimensional Fund Advisors ($91.3 million), Vanguard Capital Management LLC ($44.9 million), State Street Corp ($41.0 million), AQR Capital Management ($30.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was BY's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), BYLINE BANCORP, INC. (BY) reported revenue of $572.2 million (up 1.1% from FY2024) and net income of $130.1 million. Diluted EPS was $2.89. The figures come from the XBRL data in the 10-K.
What are the main risks in BY's latest 10-K?
In the 10-K filed February 27, 2026, BYLINE BANCORP, INC. (BY) flagged: Regulatory risk from banking regulators requiring increased provisions for credit losses, potentially reducing net income and capital. Geographic concentration risk with $2.27B real estate loans primarily in Chicago metro area, vulnerable to local economic downturns. (AI summary of the Risk Factors section.)
What did BY report in its latest 8-K?
BYLINE BANCORP, INC. (BY) filed an 8-K on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 2026 results cover the quarter ended June 30, 2026.
What are the latest BY SEC filings?
BYLINE BANCORP, INC. (BY) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on October 6, 2026 and a Form 4 insider filing on August 20, 2026.
What is BY's SEC CIK number?
BYLINE BANCORP, INC. (BY)'s SEC Central Index Key (CIK) is 1702750. EDGAR lists every BY filing under that number.
Ask anything about BY
The research agent reads BY's filings, financials, insider trades and 13F holders, then answers with sources.