Byline Bancorp, Inc. (BY) vs Happen Inc. (HAPN)

Byline Bancorp, Inc. and Happen Inc. are both Banks Regional companies. Byline Bancorp, Inc. and Happen Inc. are of similar size ($1.7B and $1.7B). Happen Inc. trades at the lower P/E: 8.5× against 11.2×. Happen Inc. grew revenue faster over the last twelve months: 11.6% against 2.32%. Byline Bancorp, Inc. has the higher net margin (23.4% vs 14.0%) and the lower return on invested capital (11.3% vs 24.5%). Across the 16 metrics below, Happen Inc. leads on 11 and Byline Bancorp, Inc. on 5.

Valuation

Metric BY HAPN Banks Regional median
P/E 11.20 8.52 11.98
P/S 2.60 1.20 2.34
P/B 1.27 1.07 1.19
Price to free cash flow 10.58 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.93% 11.73% 8.23%
Free cash flow yield 9.45% (176.86%) 9.08%

Profitability

Metric BY HAPN Banks Regional median
Gross margin 72.34% 75.19% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.36% 14.03% 18.66%
Free cash flow margin 24.55% (212.17%) 21.11%
Return on equity 11.97% 13.15% 10.65%
Return on assets 1.52% 1.68% 1.13%
Return on invested capital 11.29% 24.47% 8.35%

Growth

Metric BY HAPN Banks Regional median
Revenue growth (TTM) 2.32% 11.62% 6.98%
EPS growth (last fiscal year) 5.09% 157.78% 18.88%
Revenue growth, 5-year CAGR 16.01% 23.29% 12.38%
Net income growth, 5-year CAGR 28.80% 0.00% 9.71%

Health

Metric BY HAPN Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.91 0.72 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BY HAPN Banks Regional median
Dividend yield 1.29% — 2.57%
Payout ratio 0.15 — 0.30

Size

Metric BY HAPN Banks Regional median
Market cap 1.67b 1.69b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack