Head-To-Head Survey: Industrial & Commercial Bank of China Ltd. (OTCMKTS:IDCBY) vs. Byline Bancorp (NYSE:BY)

Byline Bancorp (NYSE:BY) and Industrial & Commercial Bank of China Ltd. (OTCMKTS:IDCBY) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings and profitability.

Dividends

Byline Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.5%. Industrial & Commercial Bank of China Ltd. pays an annual dividend of $0.75 per share and has a dividend yield of 4.0%. Byline Bancorp pays out 16.9% of its earnings in the form of a dividend. Industrial & Commercial Bank of China Ltd. pays out 26.4% 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.

Analyst Ratings

This is a summary of recent recommendations for Byline Bancorp and Industrial & Commercial Bank of China Ltd., as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Byline Bancorp	0	3	3	0	2.50
Industrial & Commercial Bank of China Ltd.	0	0	0	1	4.00

Byline Bancorp currently has a consensus price target of $43.00, suggesting a potential upside of 12.04%. Given Byline Bancorp’s higher probable upside, analysts clearly believe Byline Bancorp is more favorable than Industrial & Commercial Bank of China Ltd..

Institutional & Insider Ownership

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

Risk and Volatility

Byline Bancorp has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500. Comparatively, Industrial & Commercial Bank of China Ltd. has a beta of 0.1, indicating that its stock price is 90% less volatile than the S&P 500.

Earnings & Valuation

This table compares Byline Bancorp and Industrial & Commercial Bank of China Ltd.”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Byline Bancorp	$633.15 million	2.74	$130.05 million	$3.31	11.60
Industrial & Commercial Bank of China Ltd.	$208.16 billion	1.60	$51.27 billion	$2.84	6.60

Industrial & Commercial Bank of China Ltd. has higher revenue and earnings than Byline Bancorp. Industrial & Commercial Bank of China Ltd. is trading at a lower price-to-earnings ratio than Byline Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Byline Bancorp and Industrial & Commercial Bank of China Ltd.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	23.36%	11.84%	1.53%
Industrial & Commercial Bank of China Ltd.	24.78%	8.79%	0.69%

Summary

Byline Bancorp beats Industrial & Commercial Bank of China Ltd. on 12 of the 18 factors compared between the two stocks.

About Byline Bancorp

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.

About Industrial & Commercial Bank of China Ltd.

Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include trade financing, deposit, corporate wealth management, custody, and various corporate intermediary services, as well as corporate loans. Its Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Business segment is involved in the money market transactions, investment securities, and proprietary and foreign exchange transactions businesses. It also offers e-banking services, investment banking, financial leasing, and insurance services. Industrial and Commercial Bank of China Limited was incorporated in 1984 and is based in Beijing, the People's Republic of China.