Byline Bancorp (NYSE:BY) vs. WCF Bancorp (OTCMKTS:WCFB) Head to Head Comparison

WCF Bancorp (OTCMKTS:WCFB) and Byline Bancorp (NYSE:BY) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, profitability, institutional ownership, analyst recommendations, risk, earnings and dividends.

Valuation and Earnings

This table compares WCF Bancorp and Byline Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$11.85 million	1.15	-$40,000.00	N/A	N/A
Byline Bancorp	$624.78 million	1.99	$120.76 million	$2.81	9.67

Byline Bancorp has higher revenue and earnings than WCF Bancorp.

Risk & Volatility

WCF Bancorp has a beta of 0.08, suggesting that its share price is 92% less volatile than the S&P 500. Comparatively, Byline Bancorp has a beta of 0.92, suggesting that its share price is 8% less volatile than the S&P 500.

Dividends

WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.8%. Byline Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. Byline Bancorp pays out 14.2% of its earnings in the form of a dividend. Byline Bancorp has increased its dividend for 1 consecutive years.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for WCF Bancorp and Byline Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WCF Bancorp	0	0	0	0	0.00
Byline Bancorp	0	2	3	0	2.60

Byline Bancorp has a consensus price target of $33.25, indicating a potential upside of 22.40%. Given Byline Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Byline Bancorp is more favorable than WCF Bancorp.

Profitability

This table compares WCF Bancorp and Byline Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
WCF Bancorp	N/A	N/A	N/A
Byline Bancorp	20.01%	11.50%	1.36%

Insider and Institutional Ownership

67.7% of Byline Bancorp shares are held by institutional investors. 0.8% of WCF Bancorp shares are held by insiders. Comparatively, 28.8% of Byline Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Byline Bancorp beats WCF Bancorp on 13 of the 15 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

About Byline Bancorp

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.