Byline Bancorp (BY) Competitors

Byline Bancorp (NYSE:BY) and PennyMac Financial Services (NYSE:PFSI) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, community ranking, dividends, risk, profitability, analyst recommendations, media sentiment and institutional ownership.

Is BY or PFSI a better dividend stock?

Byline Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.2%. PennyMac Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 1.2%. Byline Bancorp pays out 13.1% of its earnings in the form of a dividend. PennyMac Financial Services pays out 38.1% 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. Byline Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do institutionals and insiders have more ownership in BY or PFSI?

67.7% of Byline Bancorp shares are held by institutional investors. Comparatively, 57.9% of PennyMac Financial Services shares are held by institutional investors. 30.1% of Byline Bancorp shares are held by company insiders. Comparatively, 16.6% of PennyMac Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Does the MarketBeat Community prefer BY or PFSI?

PennyMac Financial Services received 224 more outperform votes than Byline Bancorp when rated by MarketBeat users. Likewise, 64.03% of users gave PennyMac Financial Services 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%
PennyMac Financial Services	Outperform Votes 397 64.03%	Underperform Votes 223 35.97%

Does the media prefer BY or PFSI?

In the previous week, PennyMac Financial Services had 3 more articles in the media than Byline Bancorp. MarketBeat recorded 6 mentions for PennyMac Financial Services and 3 mentions for Byline Bancorp. PennyMac Financial Services' average media sentiment score of 1.14 beat Byline Bancorp's score of 0.83 indicating that PennyMac Financial Services is being referred to more favorably in the news 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
PennyMac Financial Services	5 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has higher earnings and valuation, BY or PFSI?

PennyMac Financial Services has higher revenue and earnings than Byline Bancorp. Byline Bancorp is trading at a lower price-to-earnings ratio than PennyMac Financial Services, 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
PennyMac Financial Services	$2.25B	2.32	$144.66M	$3.15	32.27

Do analysts rate BY or PFSI?

Byline Bancorp currently has a consensus price target of $30.88, indicating a potential upside of 5.66%. PennyMac Financial Services has a consensus price target of $122.50, indicating a potential upside of 20.50%. Given PennyMac Financial Services' stronger consensus rating and higher possible upside, analysts plainly believe PennyMac Financial Services 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
PennyMac Financial Services	0 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.83

Which has more risk and volatility, BY or PFSI?

Byline Bancorp has a beta of 1.15, meaning that its stock price is 15% more volatile than the S&P 500. Comparatively, PennyMac Financial Services has a beta of 1.78, meaning that its stock price is 78% more volatile than the S&P 500.

Is BY or PFSI more profitable?

Byline Bancorp has a net margin of 19.39% compared to PennyMac Financial Services' net margin of 11.45%. PennyMac Financial Services' return on equity of 15.13% beat Byline Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	19.39%	11.90%	1.32%
PennyMac Financial Services	11.45%	15.13%	2.64%

Summary

PennyMac Financial Services beats Byline Bancorp on 14 of the 20 factors compared between the two stocks.