0001193125-26-314126
SEC filingByline Bancorp二季度净利4020万美元，EPS 0.90美元，营收创新高，股息上调16.7%。
| 指标 | 本期 (2Q26) | 去年同期 (2Q25) | 同比 |
|---|---|---|---|
| Revenue (Total revenue, Non-GAAP) | $117,712 thousand | $110,453 thousand | +6.6% |
| Net Interest Income (GAAP) | $100,836 thousand | $95,982 thousand | +5.1% |
| Non-interest Income (GAAP) | $16,876 thousand | $14,471 thousand | +16.6% |
| Non-interest Expense (GAAP) | $56,479 thousand | $59,602 thousand | -5.2% |
| Pre-tax Pre-provision Net Income (Non-GAAP) | $61,233 thousand | $50,851 thousand | +20.4% |
| Provision for Credit Losses (GAAP) | $7,162 thousand | $11,923 thousand | -39.9% |
| Net Income (GAAP) | $40,181 thousand | $30,082 thousand | +33.6% |
| Diluted EPS (GAAP) | $0.90 | $0.66 | +36.4% |
| Adjusted Diluted EPS (Non-GAAP) | $0.91 | $0.75 | +21.3% |
| Net Interest Margin (GAAP) | 4.28% | 4.18% | +10 bps |
| Efficiency Ratio (Non-GAAP) | 46.93% | 52.61% | -568 bps |
| Adjusted Efficiency Ratio (Non-GAAP) | 46.51% | 48.20% | -169 bps |
| ROAA (GAAP) | 1.63% | 1.25% | +38 bps |
| ROTCE (Non-GAAP) | 14.47% | 12.83% | +164 bps |
| Tangible Book Value per Share (Non-GAAP) | $24.48 | $21.56 | +13.5% |
| Total Deposits | $7,870,762 thousand | $7,810,479 thousand | +0.8% |
| Total Loans and Leases | $7,542,411 thousand | $7,328,055 thousand | +2.9% |
| ACL to Total Loans (GAAP) | 1.48% | 1.47% | +1 bp |
| Net Charge-offs to Avg Loans (annualized) | 0.24% | 0.43% | -19 bps |
简评
Byline Bancorp 二季度业绩强劲，净收入 4018.1 万美元，摊薄 EPS 0.90 美元，同比大增 36.4%，主要受总营收创纪录（1.177 亿美元）和信贷成本下降驱动。净利息收入环比增 1.0% 至 1.008 亿美元，得益于多一个日历日，但被融资成本上升部分抵消；非息收入环比大增 34.6% 至 1687.6 万美元，主要来自权益证券公允价值变动、贷款服务资产重估改善及贷款销售收益增加。费用端控制良好，非息支出环比降 1.2%，调整后效率比改善 327 个基点至 46.51%，为上市以来最佳。
资产质量保持稳健，净核销环比降 25.3% 至 444.6 万美元，ACL 覆盖率 1.48%，拨备环比增 29.3% 主要因个别评估贷款配置增加。管理层对下半年保持信心，CEO Roberto R. Herencia 强调股息上调 16.7% 反映经营基本面强劲，目标成为芝加哥领先商业银行。资产负债表方面，存款环比增 6890 万美元，贷款环比增 7900 万美元，资本充足率（CET1 12.92%）保持充裕。公司未提供前瞻指引，但总裁 Alberto J. Paracchini 表示"以良好动能进入 2026 年下半年"。