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BY vs JPM

BY
Byline Bancorp, Inc.
BULLISH
Price
$33.03
Market Cap
$1.5B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BY
10.72
JPM
15.68
Forward P/E
BY
10.24
JPM
13.42
P/B Ratio
BY
1.19
JPM
2.47
P/S Ratio
BY
3.66
JPM
5.03
EV/EBITDA
BY
--
JPM
--

Profitability

Gross Margin
BY
0.0%
JPM
0.0%
Operating Margin
BY
44.14%
JPM
41.06%
Profit Margin
BY
31.72%
JPM
33.91%
ROE
BY
11.02%
JPM
16.13%
ROA
BY
1.36%
JPM
1.35%

Growth

Revenue Growth
BY
9.5%
JPM
2.5%
Earnings Growth
BY
13.0%
JPM
-3.6%

Financial Health

Debt/Equity
BY
--
JPM
--
Current Ratio
BY
--
JPM
--
Quick Ratio
BY
--
JPM
--

Dividends

Dividend Yield
BY
1.27%
JPM
1.91%
Payout Ratio
BY
13.84%
JPM
28.97%

AI Verdict

BY BULLISH

Byline Bancorp (BY) presents a strong value opportunity, trading significantly below its Graham Number ($43.92) and Intrinsic Value ($81.62). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company boasts an exceptional 25-quarter track record of earnings beats and consistent YoY EPS growth of 27.7%. Despite a bearish technical trend and recent insider selling, the fundamental valuation and profitability metrics (ROA 1.36%) suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings track record with consistent beats over 25 quarters
Strong YoY EPS growth of 27.7% and revenue growth of 9.50%
Risks
Strongly bearish technical trend (10/100) suggesting short-term price pressure
Net bearish insider activity with recent officer sales totaling $0.77M
Low dividend yield (1.27%) providing minimal income support
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

BY vs JPM: Head-to-Head Comparison

This page compares Byline Bancorp, Inc. (BY) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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