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BY vs EQBK
Byline Bancorp (BY) vs Equity Bancshares (EQBK) Earnings Preview: Q1 Results on Deck
Key Takeaways
- Both regional banks gear up for Q1 2026 earnings, with EQBK reporting on April 14 and BY on April 23.
- BY posted Q4 2025 diluted EPS of $0.76 on $117 million revenue, beating estimates with strong net interest income (NII).
- EQBK delivered Q4 2025 EPS of $1.15 (adjusted $1.26 core), NII $63.5 million, and net interest margin (NIM) expansion to 4.47%.
- BY boasts larger scale at ~$9.8 billion assets vs. EQBK's ~$6.4 billion, with ROE around 11%.
- Analysts eye loan growth, deposit stability, and NIM amid rate pressures for both peers.
- Tickeron AI favors stability in BY but notes EQBK's margin upside potential.
Earnings Context and Why This Comparison Matters
Quarterly earnings remain pivotal for regional banks like Byline Bancorp (BY) and Equity Bancshares (EQBK), revealing resilience in net interest income (NII, primary revenue from loans minus deposit costs), loan/deposit trends, and credit quality. Both operate in the Midwest, serving commercial and community clients amid shifting rates and economic signals. BY, Chicago-headquartered with ~$9.8 billion assets, emphasizes diversified lending. EQBK, Wichita-based at ~$6.4 billion assets, focuses on relationship banking post-acquisitions. Comparing them highlights execution in growth, margins, and capital strength (e.g., CET1 ratio, core tier 1 capital measuring bank solvency).
Equity Bancshares (EQBK) Focus
EQBK reports Q1 2026 results on April 14 after market close, followed by a call on April 15. Analysts project EPS around $1.15–$1.21 and revenue ~$82–$85 million, building on Q4 2025 strength: net income $22.1 million ($1.15 diluted EPS, adjusted $1.26 core), NII $63.5 million up from prior quarter, NIM 4.47% (core 4.36% normalizing purchase accounting). Loans grew via NBC and Frontier deals; focus will be NIM sustainability, deposit costs, and non-performing loan trends. ROE trails peers at ~3.4% TTM due to growth investments.
Byline Bancorp (BY) Context
BY follows with Q1 2026 earnings on April 23 after close, call April 24. Q4 2025 delivered net income $34.5 million ($0.76 diluted EPS, beating $0.72 estimate), revenue $117 million (up 12% YoY, topping $112 million forecast). Full-year net income $130.1 million ($2.89 EPS), ROA 1.36%, ROTCE (return on tangible common equity) 13.5%. Assets ~$9.5–$9.8 billion, loans ~$6.9 billion (8.9% YoY growth), deposits ~$7.5 billion. CET1 ~11.7%, tangible common equity ratio 9.6%. Investors watch NII (~$99–$100 million Q1 guide), efficiency (50.3% ratio), and $10 billion asset target.
Head-to-Head Earnings and Market Comparison
Both banks show earnings momentum: EQBK EPS $1.15 vs. BY $0.76 in Q4, but BY scales larger (market cap ~$1.5 billion vs. ~$950 million). NIM competitive at 4.47% (EQBK) and ~4% (BY). Growth drivers include BY's 8.9% loans, EQBK's M&A (mergers and acquisitions). Risks: rate sensitivity, credit (NCO, net charge-offs low), deposit beta (rate sensitivity). Sentiment favors BY's ROE 11%, CET1 strength; EQBK offers margin expansion upside.
AI Screener
Tickeron’s AI Screener is an AI-powered stock and ETF discovery tool that helps traders and investors filter the market based on technical patterns, fundamentals, trends, volatility, and AI-driven signals. Users can scan thousands of stocks and ETFs using customizable filters such as industry, market capitalization, technical indicators, price patterns, and performance metrics. The screener identifies trade ideas, trending stocks, breakout candidates, and market opportunities more efficiently than manual screening. Explore it today to uncover potential plays like regional banks ahead of earnings.
Tickeron AI Verdict
Tickeron AI slightly favors BY (65% probability) for Q1 due to scale, consistent beats, and robust CET1/ROE, though EQBK could outperform on NIM growth and acquisition synergies if deposits stabilize.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BY is a Hold and EQBK is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BY’s FA Score shows that 1 FA rating(s) are green whileEQBK’s FA Score has 1 green FA rating(s).
- BY’s FA Score: 1 green, 4 red.
- EQBK’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BY’s TA Score shows that 5 TA indicator(s) are bullish while EQBK’s TA Score has 4 bullish TA indicator(s).
- BY’s TA Score: 5 bullish, 4 bearish.
- EQBK’s TA Score: 4 bullish, 5 bearish.
Price Growth
BY (@Regional Banks) experienced а +0.20% price change this week, while EQBK (@Regional Banks) price change was -2.80% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.10%. For the same industry, the average monthly price growth was +6.29%, and the average quarterly price growth was +10.68%.
Reported Earning Dates
BY is expected to report earnings on Jul 23, 2026.
EQBK is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (-0.10% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BY | EQBK | BY / EQBK | |
| Capitalization | 1.6B | 962M | 166% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 21.481 | 4.796 | 448% |
| P/E Ratio | 11.41 | 39.49 | 29% |
| Revenue | 450M | 229M | 197% |
| Total Cash | 60.2M | 699M | 9% |
| Total Debt | 580M | 446M | 130% |
BY | EQBK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 42 | 35 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 88 Overvalued | |
PROFIT vs RISK RATING 1..100 | 41 | 46 | |
SMR RATING 1..100 | 43 | 71 | |
PRICE GROWTH RATING 1..100 | 44 | 49 | |
P/E GROWTH RATING 1..100 | 32 | 4 | |
SEASONALITY SCORE 1..100 | 75 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BY's Valuation (64) in the Regional Banks industry is in the same range as EQBK (88). This means that BY’s stock grew similarly to EQBK’s over the last 12 months.
BY's Profit vs Risk Rating (41) in the Regional Banks industry is in the same range as EQBK (46). This means that BY’s stock grew similarly to EQBK’s over the last 12 months.
BY's SMR Rating (43) in the Regional Banks industry is in the same range as EQBK (71). This means that BY’s stock grew similarly to EQBK’s over the last 12 months.
BY's Price Growth Rating (44) in the Regional Banks industry is in the same range as EQBK (49). This means that BY’s stock grew similarly to EQBK’s over the last 12 months.
EQBK's P/E Growth Rating (4) in the Regional Banks industry is in the same range as BY (32). This means that EQBK’s stock grew similarly to BY’s over the last 12 months.
| BY | EQBK | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 67% | 3 days ago 68% |
| Stochastic ODDS (%) | 3 days ago 57% | 3 days ago 70% |
| Momentum ODDS (%) | 3 days ago 53% | 3 days ago 64% |
| MACD ODDS (%) | 3 days ago 48% | 3 days ago 60% |
| TrendWeek ODDS (%) | 3 days ago 58% | 3 days ago 62% |
| TrendMonth ODDS (%) | 3 days ago 52% | 3 days ago 56% |
| Advances ODDS (%) | 9 days ago 56% | 9 days ago 60% |
| Declines ODDS (%) | 20 days ago 59% | 20 days ago 64% |
| BollingerBands ODDS (%) | 3 days ago 76% | 3 days ago 62% |
| Aroon ODDS (%) | 3 days ago 37% | 3 days ago 53% |
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|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| GDMA | 43.54 | 1.17 | +2.76% |
| Gadsden Dynamic Multi-Asset ETF | |||
| XXV | 24.20 | 0.25 | +1.03% |
| Simplify Ancorato Target 25 Dist ETF | |||
| IYZ | 41.60 | -0.24 | -0.57% |
| iShares US Telecommunications ETF | |||
| DIVY | 28.31 | -0.29 | -1.00% |
| Sound Equity Dividend Income ETF | |||
| SATG | 12.76 | -0.66 | -4.92% |
| Leverage Shares 2X Long SATS Daily ETF | |||
BY and
Correlation & Price change
A.I.dvisor indicates that over the last year, BY has been closely correlated with FMBH. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if BY jumps, then FMBH could also see price increases.
EQBK and
Correlation & Price change
A.I.dvisor indicates that over the last year, EQBK has been closely correlated with GSBC. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if EQBK jumps, then GSBC could also see price increases.
| Ticker / NAME | Correlation To EQBK | 1D Price Change % | ||
|---|---|---|---|---|
| EQBK | 100% | +0.24% | ||
| GSBC - EQBK | 82% Closely correlated | +0.81% | ||
| OSBC - EQBK | 79% Closely correlated | +1.06% | ||
| BY - EQBK | 78% Closely correlated | +0.26% | ||
| PRK - EQBK | 77% Closely correlated | +1.91% | ||
| BHRB - EQBK | 77% Closely correlated | +0.68% | ||
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