Head to Head Analysis: FVCBankcorp (NASDAQ:FVCB) and Byline Bancorp (NYSE:BY)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
FVCBankcorp	4.44%	7.25%	0.70%
Byline Bancorp	19.42%	12.89%	1.38%

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FVCBankcorp	$43.99 million	5.20	$3.82 million	$0.24	52.96
Byline Bancorp	$403.05 million	3.01	$107.88 million	$2.73	10.08

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

Analyst Ratings

This is a breakdown of current recommendations and price targets for FVCBankcorp and Byline Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FVCBankcorp	0	0	0	0	N/A
Byline Bancorp	0	2	2	0	2.50

Byline Bancorp has a consensus target price of $29.88, suggesting a potential upside of 8.60%. Given Byline Bancorp’s higher probable upside, analysts clearly believe Byline Bancorp is more favorable than FVCBankcorp.

Risk and Volatility

FVCBankcorp has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500. Comparatively, Byline Bancorp has a beta of 1.14, suggesting that its stock price is 14% more volatile than the S&P 500.

Institutional and Insider Ownership

43.6% of FVCBankcorp shares are held by institutional investors. Comparatively, 67.7% of Byline Bancorp shares are held by institutional investors. 14.0% of FVCBankcorp shares are held by insiders. Comparatively, 30.1% of Byline Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

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

About FVCBankcorp

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

About Byline Bancorp

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.