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Byline Bancorp, Inc. (BY) vs OceanFirst Financial Corp. (OCFC)

Byline Bancorp, Inc. and OceanFirst Financial Corp. are both Banks Regional companies. Byline Bancorp, Inc. and OceanFirst Financial Corp. are of similar size ($1.8B and $1.7B). Byline Bancorp, Inc. trades at the lower P/E: 11.0× against 25.2×. OceanFirst Financial Corp. grew revenue faster over the last twelve months: 31.5% against 1.80%. Byline Bancorp, Inc. has the higher net margin (24.1% vs 5.28%) and the higher return on invested capital (12.1% vs 0.00%). Both pay a dividend; OceanFirst Financial Corp. yields more (3.31% vs 1.37%). Across the 18 metrics below, Byline Bancorp, Inc. leads on 11 and OceanFirst Financial Corp. on 7.

Valuation

Metric BY OCFC Banks Regional median
P/E 11.04 25.21 11.87
P/S 2.63 2.00 2.35
P/B 1.32 0.74 1.23
Price to free cash flow 10.73 8.04 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.06% 3.97% 8.34%
Free cash flow yield 9.32% 12.43% 9.37%

Profitability

Metric BY OCFC Banks Regional median
Gross margin 73.12% 58.84% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.06% 5.28% 18.99%
Free cash flow margin 0.00% 25.72% 18.19%
Return on equity 12.26% 2.32% 10.45%
Return on assets 1.56% 0.25% 1.15%
Return on invested capital 12.13% 0.00% 8.54%

Growth

Metric BY OCFC Banks Regional median
Revenue growth (TTM) 1.80% 31.46% 6.56%
EPS growth (last fiscal year) 5.09% (29.09%) 18.85%
Revenue growth, 5-year CAGR 16.01% 8.66% 12.65%
Net income growth, 5-year CAGR 28.80% 1.86% 9.81%

Health

Metric BY OCFC Banks Regional median
Debt to equity 0.00 0.00 0.14
Current ratio 0.91 0.00 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BY OCFC Banks Regional median
Dividend yield 1.37% 3.31% 2.51%
Payout ratio 0.15 0.83 0.30

Size

Metric BY OCFC Banks Regional median
Market cap 1.70b 1.84b 915.17m

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