Southern States Bancshares (SSBK) Competitors

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

Does the media prefer BY or SSBK?

In the previous week, Byline Bancorp had 6 more articles in the media than Southern States Bancshares. MarketBeat recorded 11 mentions for Byline Bancorp and 5 mentions for Southern States Bancshares. Southern States Bancshares' average media sentiment score of 0.85 beat Byline Bancorp's score of 0.66 indicating that Southern States Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Byline Bancorp	3 Very Positive mention(s)	1 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Southern States Bancshares	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community prefer BY or SSBK?

Byline Bancorp received 159 more outperform votes than Southern States Bancshares when rated by MarketBeat users. Likewise, 59.39% of users gave Byline Bancorp an outperform vote while only 51.72% of users gave Southern States Bancshares an outperform vote.

Company	Underperform	Outperform
Byline Bancorp	Outperform Votes 174 59.39%	Underperform Votes 119 40.61%
Southern States Bancshares	Outperform Votes 15 51.72%	Underperform Votes 14 48.28%

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

67.7% of Byline Bancorp shares are held by institutional investors. Comparatively, 58.7% of Southern States Bancshares shares are held by institutional investors. 30.1% of Byline Bancorp shares are held by insiders. Comparatively, 14.8% of Southern States Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Is BY or SSBK more profitable?

Southern States Bancshares has a net margin of 19.68% compared to Byline Bancorp's net margin of 19.33%. Southern States Bancshares' return on equity of 15.04% beat Byline Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	19.33%	11.61%	1.28%
Southern States Bancshares	19.68%	15.04%	1.38%

Do analysts prefer BY or SSBK?

Byline Bancorp presently has a consensus target price of $33.75, suggesting a potential upside of 15.07%. Southern States Bancshares has a consensus target price of $35.50, suggesting a potential upside of 7.97%. Given Byline Bancorp's higher possible upside, equities analysts clearly believe Byline Bancorp is more favorable than Southern States Bancshares.

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
Southern States Bancshares	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has stronger valuation and earnings, BY or SSBK?

Byline Bancorp has higher revenue and earnings than Southern States Bancshares. Southern States Bancshares is trading at a lower price-to-earnings ratio than Byline 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	$624.78M	2.08	$120.76M	$2.76	10.63
Southern States Bancshares	$177.17M	1.83	$34.87M	$3.67	8.96

Is BY or SSBK a better dividend stock?

Byline Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.2%. Southern States Bancshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.1%. Byline Bancorp pays out 13.0% of its earnings in the form of a dividend. Southern States Bancshares pays out 9.8% 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 more risk & volatility, BY or SSBK?

Byline Bancorp has a beta of 1.15, meaning that its share price is 15% more volatile than the S&P 500. Comparatively, Southern States Bancshares has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500.

Summary

Byline Bancorp beats Southern States Bancshares on 12 of the 19 factors compared between the two stocks.