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BY vs V

BY
Byline Bancorp, Inc.
BULLISH
Price
$33.03
Market Cap
$1.5B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BY
10.72
V
28.35
Forward P/E
BY
10.24
V
20.79
P/B Ratio
BY
1.19
V
15.09
P/S Ratio
BY
3.66
V
14.08
EV/EBITDA
BY
--
V
20.06

Profitability

Gross Margin
BY
0.0%
V
97.78%
Operating Margin
BY
44.14%
V
68.3%
Profit Margin
BY
31.72%
V
50.23%
ROE
BY
11.02%
V
53.95%
ROA
BY
1.36%
V
18.36%

Growth

Revenue Growth
BY
9.5%
V
14.6%
Earnings Growth
BY
13.0%
V
17.4%

Financial Health

Debt/Equity
BY
--
V
0.55
Current Ratio
BY
--
V
1.11
Quick Ratio
BY
--
V
0.72

Dividends

Dividend Yield
BY
1.27%
V
0.89%
Payout Ratio
BY
13.84%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

BY vs V: Head-to-Head Comparison

This page compares Byline Bancorp, Inc. (BY) and Visa Inc. (V) 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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