Byline Bancorp, Inc. (BY) vs Origin Bancorp, Inc. (OBK)

Byline Bancorp, Inc. and Origin Bancorp, Inc. are both Banks Regional companies. Byline Bancorp, Inc. and Origin Bancorp, Inc. are of similar size ($1.7B and $1.6B). Byline Bancorp, Inc. trades at the lower P/E: 11.2× against 16.7×. Origin Bancorp, Inc. grew revenue faster over the last twelve months: 4.96% against 2.32%. Byline Bancorp, Inc. has the higher net margin (23.4% vs 16.3%) and the higher return on invested capital (11.3% vs 8.93%). Both pay a dividend; Origin Bancorp, Inc. yields more (2.10% vs 1.94%). Across the 20 metrics below, Byline Bancorp, Inc. leads on 13 and Origin Bancorp, Inc. on 7.

Valuation

Metric BY OBK Banks Regional median
P/E 11.24 16.66 12.15
P/S 2.61 2.70 2.37
P/B 1.28 1.29 1.21
Price to free cash flow 10.63 9.43 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.84 2.06 2.27
Earnings yield 8.89% 6.00% 8.11%
Free cash flow yield 9.41% 10.60% 8.98%

Profitability

Metric BY OBK Banks Regional median
Gross margin 72.34% 69.33% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.36% 16.26% 18.66%
Free cash flow margin 24.55% 28.62% 21.18%
Return on equity 11.97% 8.02% 10.64%
Return on assets 1.52% 1.00% 1.13%
Return on invested capital 11.29% 8.93% 8.33%

Growth

Metric BY OBK Banks Regional median
Revenue growth (TTM) 2.32% 4.96% 6.61%
EPS growth (last fiscal year) 5.09% (2.04%) —
Revenue growth, 5-year CAGR 16.01% 15.30% 12.30%
Net income growth, 5-year CAGR 28.80% 15.64% 9.71%

Health

Metric BY OBK Banks Regional median
Debt to equity 0.00 0.12 0.22
Current ratio 0.91 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BY OBK Banks Regional median
Dividend yield 1.94% 2.10% 3.75%
Payout ratio 0.14 0.16 0.27

Size

Metric BY OBK Banks Regional median
Market cap 1.68b 1.64b 921.07m

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