First Internet Bancorp (INBK) Competitors

Byline Bancorp (NYSE:BY) and First Internet Bancorp (NASDAQ:INBK) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, community ranking, valuation, analyst recommendations, media sentiment, institutional ownership, earnings, dividends and profitability.

Does the media refer more to BY or INBK?

In the previous week, Byline Bancorp and Byline Bancorp both had 3 articles in the media. Byline Bancorp's average media sentiment score of 0.83 beat First Internet Bancorp's score of 0.40 indicating that Byline Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Byline Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive
First Internet Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do insiders and institutionals hold more shares of BY or INBK?

67.7% of Byline Bancorp shares are held by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are held by institutional investors. 30.1% of Byline Bancorp shares are held by insiders. Comparatively, 7.1% of First Internet Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Which has more volatility and risk, BY or INBK?

Byline Bancorp has a beta of 1.15, indicating that its share price is 15% more volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500.

Is BY or INBK more profitable?

Byline Bancorp has a net margin of 19.39% compared to First Internet Bancorp's net margin of 6.92%. Byline Bancorp's return on equity of 11.90% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	19.39%	11.90%	1.32%
First Internet Bancorp	6.92%	6.06%	0.42%

Is BY or INBK a better dividend stock?

Byline Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.2%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.6%. Byline Bancorp pays out 13.1% of its earnings in the form of a dividend. First Internet Bancorp pays out 9.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Which has higher valuation & earnings, BY or INBK?

Byline Bancorp has higher revenue and earnings than First Internet Bancorp. Byline Bancorp is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Byline Bancorp	$400.23M	3.24	$107.88M	$2.75	10.63
First Internet Bancorp	$116.63M	2.79	$8.42M	$2.54	14.80

Do analysts rate BY or INBK?

Byline Bancorp currently has a consensus price target of $30.88, indicating a potential upside of 5.66%. First Internet Bancorp has a consensus price target of $43.63, indicating a potential upside of 16.09%. Given First Internet Bancorp's higher probable upside, analysts clearly believe First Internet Bancorp is more favorable than Byline Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Byline Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the MarketBeat Community prefer BY or INBK?

First Internet Bancorp received 89 more outperform votes than Byline Bancorp when rated by MarketBeat users. Likewise, 61.94% of users gave First Internet Bancorp an outperform vote while only 59.45% of users gave Byline Bancorp an outperform vote.

Company	Underperform	Outperform
Byline Bancorp	Outperform Votes 173 59.45%	Underperform Votes 118 40.55%
First Internet Bancorp	Outperform Votes 262 61.94%	Underperform Votes 161 38.06%

Summary

Byline Bancorp beats First Internet Bancorp on 12 of the 17 factors compared between the two stocks.