Byline Bancorp (NYSE:BY) vs. Societe Generale Group (OTCMKTS:SCGLY) Financial Comparison

Byline Bancorp (NYSE:BY) and Societe Generale Group (OTCMKTS:SCGLY) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, analyst recommendations, dividends, earnings, institutional ownership and valuation.

Analyst Ratings

This is a breakdown of recent ratings for Byline Bancorp and Societe Generale Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Byline Bancorp	0	3	3	1	2.71
Societe Generale Group	0	5	3	1	2.56

Byline Bancorp currently has a consensus target price of $43.50, indicating a potential upside of 10.94%. Given Byline Bancorp’s stronger consensus rating and higher possible upside, research analysts clearly believe Byline Bancorp is more favorable than Societe Generale Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	24.06%	12.06%	1.57%
Societe Generale Group	24.17%	7.57%	0.38%

Risk and Volatility

Byline Bancorp has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500. Comparatively, Societe Generale Group has a beta of 0.82, meaning that its share price is 18% less volatile than the S&P 500.

Dividends

Byline Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.4%. Societe Generale Group pays an annual dividend of $0.22 per share and has a dividend yield of 1.5%. Byline Bancorp pays out 16.3% of its earnings in the form of a dividend. Societe Generale Group pays out 10.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Byline Bancorp has raised its dividend for 1 consecutive years. Societe Generale Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Institutional & Insider Ownership

67.7% of Byline Bancorp shares are held by institutional investors. Comparatively, 1.0% of Societe Generale Group shares are held by institutional investors. 29.1% of Byline Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Byline Bancorp and Societe Generale Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Byline Bancorp	$633.15 million	2.76	$130.05 million	$3.43	11.43
Societe Generale Group	$30.83 billion	1.78	$6.79 billion	$2.06	7.20

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

Summary

Byline Bancorp beats Societe Generale Group on 10 of the 16 factors compared between the two stocks.

About Byline Bancorp

Byline Bancorp is a bank holding company whose principal subsidiary, Byline Bank, provides banking and financial services to businesses, individuals and organizations. Its offerings include business and personal deposit accounts, lending, cash management and other banking services. The bank focuses on commercial banking, including commercial real estate and small-business lending, and also offers services such as treasury management and wealth management. It serves customers primarily in the Chicago metropolitan area and elsewhere in Illinois, with a presence in Wisconsin.

About Societe Generale Group

Societe Generale Group is a French banking and financial services company founded in 1864. It provides services to individuals, businesses, institutional investors and public-sector clients. The group’s activities include retail and private banking, corporate and investment banking, insurance, wealth management, securities services and specialized financing. It also offers services related to vehicle leasing and mobility. Based in France, Societe Generale serves clients internationally, with operations across Europe and other regions, including Africa.