F.N.B. (NYSE:FNB) vs. Byline Bancorp (NYSE:BY) Financial Contrast

Byline Bancorp (NYSE:BY) and F.N.B. (NYSE:FNB) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, risk, dividends and earnings.

Dividends

Byline Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.4%. F.N.B. pays an annual dividend of $0.52 per share and has a dividend yield of 2.9%. Byline Bancorp pays out 16.3% of its earnings in the form of a dividend. F.N.B. pays out 30.6% 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 has raised its dividend for 1 consecutive years.

Analyst Ratings

This is a summary of recent recommendations for Byline Bancorp and F.N.B., as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Byline Bancorp	0	3	3	1	2.71
F.N.B.	0	2	5	0	2.71

Byline Bancorp currently has a consensus target price of $43.50, suggesting a potential upside of 10.99%. F.N.B. has a consensus target price of $20.29, suggesting a potential upside of 12.31%. Given F.N.B.’s higher probable upside, analysts plainly believe F.N.B. is more favorable than Byline Bancorp.

Volatility & Risk

Byline Bancorp has a beta of 0.72, meaning that its stock price is 28% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	24.06%	12.06%	1.57%
F.N.B.	22.46%	9.12%	1.22%

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Byline Bancorp	$633.15 million	2.76	$130.05 million	$3.43	11.43
F.N.B.	$2.69 billion	2.35	$565.00 million	$1.70	10.63

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

Institutional and Insider Ownership

67.7% of Byline Bancorp shares are held by institutional investors. Comparatively, 79.2% of F.N.B. shares are held by institutional investors. 29.1% of Byline Bancorp shares are held by company insiders. Comparatively, 1.5% of F.N.B. shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Byline Bancorp beats F.N.B. on 10 of the 17 factors compared between the two stocks.

About Byline Bancorp

Byline Bancorp is a bank holding company whose principal subsidiary, Byline Bank, provides banking and financial services to businesses, individuals and organizations. Its offerings include business and personal deposit accounts, lending, cash management and other banking services. The bank focuses on commercial banking, including commercial real estate and small-business lending, and also offers services such as treasury management and wealth management. It serves customers primarily in the Chicago metropolitan area and elsewhere in Illinois, with a presence in Wisconsin.

About F.N.B.

F.N.B. Corporation is a diversified financial services company headquartered in Pittsburgh, Pennsylvania. Through its principal subsidiary, First National Bank of Pennsylvania, it provides consumer and commercial banking, wealth management, insurance, and other financial services. The company serves individuals, businesses, and organizations across Pennsylvania, Ohio, Maryland, West Virginia, Virginia, North Carolina, and South Carolina, as well as the Washington, D.C., area. Its offerings include deposit accounts, lending, treasury and payment services, investment and trust services, and insurance solutions.