Byline Bancorp (BY) vs Live Oak Bancshares (LOB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Byline Bancorp (BY) has outperformed Live Oak Bancshares (LOB) over the past year, gaining 33.8% versus a loss of 3.5%. Over five years, BY leads with a +51.5% price change compared with -51.1% for LOB. Byline Bancorp is the larger company by market cap ($1.65 billion vs $1.59 billion), about 1.0 times the size.
On valuation, Live Oak Bancshares trades at a lower forward P/E (8.2x vs 10.4x for Byline Bancorp). Byline Bancorp offers the higher dividend yield (1.21% vs 0.35%). Live Oak Bancshares converts more of its revenue into profit, with a net margin of 1114.4% versus 29.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BY | LOB |
|---|---|---|
| Share price | $36.44 | $34.42 |
| Market cap | $1.65B | $1.59B |
| 1-day change | -1.19% | -0.43% |
| YTD return | +26.52% | +0.64% |
| 1-year return | +33.82% | -3.52% |
| 5-year return | +51.52% | -51.07% |
| P/E ratio (TTM) | 10.98 | 12.08 |
| Forward P/E | 10.39 | 8.16 |
| EPS (TTM) | $3.32 | $2.85 |
| Dividend yield | 1.21% | 0.35% |
| Annual dividend | $0.44 | $0.12 |
| Revenue (latest FY) | $446.27M | $9.50M |
| Revenue growth (YoY) | +9.68% | +1.06% |
| Net income (latest FY) | $130.05M | $105.87M |
| Net margin | 29.14% | 1114.43% |
| 52-week high | $40.03 | $44.53 |
| 52-week low | $25.57 | $29.36 |
| Distance from 52-week high | -8.97% | -22.70% |
| Analyst consensus | none | buy |
| Avg. price target upside | +18.55% | +24.20% |
| Average volume | 263.61K | 220.47K |
| Shares outstanding | 45.19M | 46.28M |
| Employees | 1,018 | 1,027 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- BY has outperformed LOB by 37.3 percentage points over the past year.
- Live Oak Bancshares is more profitable, keeping 1114.4 cents of every revenue dollar as net income versus 29.1 cents for Byline Bancorp.
- Byline Bancorp grew revenue faster in its latest fiscal year (+9.68% vs +1.06%).
About Byline Bancorp
BY stock →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.
Finance · Major Banks · 1,018 employees
About Live Oak Bancshares
LOB stock →Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States.
Finance · Major Banks · 1,027 employees
BY vs LOB FAQ
Which is bigger, Byline Bancorp or Live Oak Bancshares?
Byline Bancorp (BY) is larger, with a market capitalization of $1.65B compared with $1.59B for Live Oak Bancshares (LOB).
Which stock has performed better over the past year, BY or LOB?
BY returned +33.82% over the past 12 months, compared with -3.52% for LOB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BY or LOB?
BY has the lower trailing P/E at 11.0, versus 12.1 for LOB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Byline Bancorp or Live Oak Bancshares?
Byline Bancorp has the higher yield at 1.21%, compared with 0.35% for Live Oak Bancshares.
Are Byline Bancorp and Live Oak Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.