Byline Bancorp (BY) Competitors

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

Which has more risk & volatility, PFSI or BY?

PennyMac Financial Services has a beta of 1.79, indicating that its share price is 79% more volatile than the S&P 500. Comparatively, Byline Bancorp has a beta of 1.12, indicating that its share price is 12% more volatile than the S&P 500.

Is PFSI or BY a better dividend stock?

PennyMac Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 1.2%. Byline Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.2%. PennyMac Financial Services pays out 38.1% of its earnings in the form of a dividend. Byline Bancorp pays out 13.1% 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.

Do analysts recommend PFSI or BY?

PennyMac Financial Services presently has a consensus target price of $115.86, suggesting a potential upside of 12.79%. Byline Bancorp has a consensus target price of $29.88, suggesting a potential downside of 3.47%. Given PennyMac Financial Services' stronger consensus rating and higher possible upside, research analysts clearly believe PennyMac Financial Services is more favorable than Byline Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PennyMac Financial Services	0 Sell rating(s)	2 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.71
Byline Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is PFSI or BY 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
PennyMac Financial Services	11.45%	15.13%	2.64%
Byline Bancorp	19.39%	11.90%	1.32%

Do institutionals & insiders believe in PFSI or BY?

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

Does the MarketBeat Community believe in PFSI or BY?

PennyMac Financial Services received 224 more outperform votes than Byline Bancorp when rated by MarketBeat users. Likewise, 64.14% of users gave PennyMac Financial Services an outperform vote while only 59.66% of users gave Byline Bancorp an outperform vote.

Company	Underperform	Outperform
PennyMac Financial Services	Outperform Votes 397 64.14%	Underperform Votes 222 35.86%
Byline Bancorp	Outperform Votes 173 59.66%	Underperform Votes 117 40.34%

Does the media refer more to PFSI or BY?

In the previous week, PennyMac Financial Services had 3 more articles in the media than Byline Bancorp. MarketBeat recorded 4 mentions for PennyMac Financial Services and 1 mentions for Byline Bancorp. Byline Bancorp's average media sentiment score of 0.47 beat PennyMac Financial Services' score of 0.38 indicating that Byline Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
PennyMac Financial Services	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Byline Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has preferable valuation & earnings, PFSI or BY?

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
PennyMac Financial Services	$1.40B	3.76	$144.66M	$3.15	32.61
Byline Bancorp	$535.79M	2.56	$107.88M	$2.75	11.25

Summary

PennyMac Financial Services beats Byline Bancorp on 15 of the 20 factors compared between the two stocks.