Critical Survey: PINNACLE BK GIL/SH SH (OTCMKTS:PBNK) and Byline Bancorp (OTCMKTS:BY)

Byline Bancorp (NYSE:BY) and PINNACLE BK GIL/SH SH (OTCMKTS:PBNK) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, valuation, profitability, analyst recommendations, earnings and dividends.

Insider and Institutional Ownership

36.5% of Byline Bancorp shares are held by institutional investors. Comparatively, 9.4% of PINNACLE BK GIL/SH SH shares are held by institutional investors. 37.4% of Byline Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Risk & Volatility

Byline Bancorp has a beta of 1.45, meaning that its stock price is 45% more volatile than the S&P 500. Comparatively, PINNACLE BK GIL/SH SH has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500.

Earnings and Valuation

This table compares Byline Bancorp and PINNACLE BK GIL/SH SH’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Byline Bancorp $320.31 million 1.42 $57.00 million $1.62 7.30
PINNACLE BK GIL/SH SH $24.62 million 1.56 $5.56 million N/A N/A

Byline Bancorp has higher revenue and earnings than PINNACLE BK GIL/SH SH.

Profitability

This table compares Byline Bancorp and PINNACLE BK GIL/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Byline Bancorp 14.00% 6.00% 0.78%
PINNACLE BK GIL/SH SH 15.90% 7.31% 0.94%

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Byline Bancorp and PINNACLE BK GIL/SH SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Byline Bancorp 0 0 3 0 3.00
PINNACLE BK GIL/SH SH 0 0 0 0 N/A

Byline Bancorp currently has a consensus target price of $18.33, indicating a potential upside of 54.97%. Given Byline Bancorp’s higher probable upside, equities research analysts clearly believe Byline Bancorp is more favorable than PINNACLE BK GIL/SH SH.

Summary

Byline Bancorp beats PINNACLE BK GIL/SH SH on 8 of the 12 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.

PINNACLE BK GIL/SH SH Company Profile

Pinnacle Bank provides various banking products and services for individuals and businesses in the counties of Santa Clara, San Benito, and Monterey. It offers checking, savings, money market, and individual retirement accounts, as well as certificate of deposit account registry services; and certificates of deposit. The company also provides loans and lines of credit, home equity lines of credit, home construction loans, letters of credit, commercial real estate loans, and government assisted loans. In addition, it offers online/mobile banking and cash management services; and other services consisting of automated teller machine/debit cards and safe deposit boxes, as well as debit card protection services. The company was founded in 2005 and is headquartered in Gilroy, California.

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