Comparing Byline Bancorp (NYSE:BY) and Randolph Bancorp (NYSE:RNDB)

Byline Bancorp (NYSE:BY) and Randolph Bancorp (NASDAQ:RNDB) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, valuation, analyst recommendations, institutional ownership, profitability and dividends.

Analyst Ratings

This is a summary of current recommendations and price targets for Byline Bancorp and Randolph Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Byline Bancorp 0 0 2 0 3.00
Randolph Bancorp 0 1 0 0 2.00

Byline Bancorp presently has a consensus target price of $22.00, indicating a potential upside of 8.86%. Given Byline Bancorp’s stronger consensus rating and higher probable upside, equities analysts clearly believe Byline Bancorp is more favorable than Randolph Bancorp.

Volatility and Risk

Byline Bancorp has a beta of 1.09, suggesting that its share price is 9% more volatile than the S&P 500. Comparatively, Randolph Bancorp has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Institutional & Insider Ownership

33.9% of Byline Bancorp shares are owned by institutional investors. Comparatively, 34.2% of Randolph Bancorp shares are owned by institutional investors. 39.2% of Byline Bancorp shares are owned by insiders. Comparatively, 8.3% of Randolph Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Byline Bancorp and Randolph Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Byline Bancorp $258.59 million 2.98 $41.19 million $1.18 17.13
Randolph Bancorp $34.97 million 2.84 -$2.09 million N/A N/A

Byline Bancorp has higher revenue and earnings than Randolph Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
Byline Bancorp 18.36% 9.25% 1.22%
Randolph Bancorp 5.16% 1.25% 0.16%

Summary

Byline Bancorp beats Randolph Bancorp on 11 of the 13 factors compared between the two stocks.

Byline Bancorp Company Profile

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides a range of banking products and services to small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers non-interest bearing accounts, money market demand accounts, savings accounts, interest bearing checking accounts, and time deposits, as well as certificates of deposit. The company also provides commercial loan products and services, including term loans, revolving lines of credit, construction financing, and cash management products; small business administration loans; and small ticket equipment leasing services, as well as online, mobile, and direct banking services. It operates through 57 branch offices in Chicago metropolitan area; and 1 branch office in Brookfield, Wisconsin. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was incorporated in 1978 and is headquartered in Chicago, Illinois.

Randolph Bancorp Company Profile

Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank that provides financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire. The company accepts checking, NOW, money market, and savings accounts, as well as certificate of deposits and IRAs. It also offers one- to four-family residential mortgage, commercial real estate, commercial and industrial, construction, and consumer loans; home equity loans and lines of credit; and investment securities. In addition, the company provides remote deposit capture products for business customers to meet their online banking needs. As of February 27, 2018, it operated six retail branch locations and loan operations centers in Andover and North Attleboro, Massachusetts; and five loan production offices in eastern Massachusetts. The company was founded in 1851 and is based in Stoughton, Massachusetts. Randolph Bancorp, Inc. is a subsidiary of Randolph Bancorp (MHC).

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