National Commerce (NCOM) versus Byline Bancorp (BY) Head-To-Head Analysis

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


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

Net Margins Return on Equity Return on Assets
National Commerce 15.46% 7.53% 1.10%
Byline Bancorp N/A N/A N/A

Earnings & Valuation

This table compares National Commerce and Byline Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
National Commerce $129.83 million 6.07 $20.07 million $1.46 31.37
Byline Bancorp $186.86 million 3.61 $21.69 million N/A N/A

Byline Bancorp has higher revenue and earnings than National Commerce.

Analyst Recommendations

This is a breakdown of recent ratings for National Commerce and Byline Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
National Commerce 0 3 0 0 2.00
Byline Bancorp 0 2 3 0 2.60

National Commerce presently has a consensus price target of $43.67, suggesting a potential downside of 4.66%. Byline Bancorp has a consensus price target of $24.88, suggesting a potential upside of 8.11%. Given Byline Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Byline Bancorp is more favorable than National Commerce.

Institutional & Insider Ownership

51.5% of National Commerce shares are owned by institutional investors. Comparatively, 27.3% of Byline Bancorp shares are owned by institutional investors. 19.4% of National Commerce shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.


National Commerce beats Byline Bancorp on 6 of the 11 factors compared between the two stocks.

About National Commerce

National Commerce Corporation (NCC) is a financial holding company. The Company is engaged in the business of banking through its banking subsidiary, National Bank of Commerce (the Bank). The Company, through the Bank, provides a range of financial services to businesses, business owners and professionals. It holds interest in CBI Holding Company, LLC, which owns Corporate Billing, LLC, a transaction-based finance company that provides factoring, invoicing, collection and accounts receivable management services to transportation companies, and automotive parts and service providers across the United States and Canada. Its loan portfolio includes construction, land development and other land loans; loans secured by farmland; loans secured by one- to four-family residential properties; loans secured by multifamily residential properties; loans secured by nonfarm nonresidential properties; loans secured by real estate; commercial and industrial loans; consumer loans, and other loans.

About Byline Bancorp

Byline Bancorp, Inc. is a bank holding company. The Company operates through its subsidiary, Byline Bank (the Bank). Byline Bank is a full service commercial bank. The Bank operates through 56 branches in the Chicago metropolitan area. The Bank offers a broad range of banking products and services to small and medium sized businesses, commercial real estate and financial sponsors, and to consumers. The Bank also provides small ticket equipment leasing solutions. The Bank’s commercial lending groups include commercial real estate, commercial and industrial, syndications, and commercial deposits and cash management. It offers a variety of deposit products, including non-interest bearing accounts, money market deposit account, savings accounts, negotiable order of withdrawal account accounts and time deposits with maturities ranging from 7 days to 5 years. As of March 31, 2017, the Bank had total gross loans and leases outstanding of 2.1 billion and total deposits of 2.6 billion.

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