BY vs MOFG

For growth investors, Byline Bancorp, Inc.

(BY) is the stronger pick with 1. 3% revenue growth year-over-year, versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). Byline Bancorp, Inc. (BY) offers the better valuation at 11. 5x trailing P/E (10. 3x forward), making it the more compelling value choice. Analysts rate MidWestOne Financial Group, Inc. (MOFG) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On forward P/E, Byline Bancorp, Inc.

is actually cheaper at 10. 3x.

Over the past 5 years, MidWestOne Financial Group, Inc.

(MOFG) delivered a total return of +71. 1%, compared to +51. 6% for Byline Bancorp, Inc. (BY). Over 10 years, the gap is even starker: MOFG returned +112. 8% versus BY's +76. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Byline Bancorp, Inc.

(BY) is the lower-risk stock at 0. 86β versus MidWestOne Financial Group, Inc. 's 1. 29β — meaning MOFG is approximately 50% more volatile than BY relative to the S&P 500. On balance sheet safety, MidWestOne Financial Group, Inc. (MOFG) carries a lower debt/equity ratio of 21% versus 45% for Byline Bancorp, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Byline Bancorp, Inc.

(BY) is pulling ahead at 1. 3% versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). On earnings-per-share growth, the picture is similar: Byline Bancorp, Inc. grew EPS 5. 1% year-over-year, compared to -366. 2% for MidWestOne Financial Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Byline Bancorp, Inc.

(BY) is the more profitable company, earning 20. 7% net margin versus -29. 3% for MidWestOne Financial Group, Inc. — meaning it keeps 20. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BY leads at 29. 1% versus -40. 8% for MOFG. At the gross margin level — before operating expenses — BY leads at 66. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Byline Bancorp, Inc.

(BY) trades at 10. 3x forward P/E versus 13. 8x for MidWestOne Financial Group, Inc. — 3. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BY: 20. 4% to $40. 00.

All stocks in this comparison pay dividends.

MidWestOne Financial Group, Inc. (MOFG) offers the highest yield at 2. 0%, versus 1. 2% for Byline Bancorp, Inc. (BY).

For long-horizon retirement investors, Byline Bancorp, Inc.

(BY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 86), 1. 2% yield). Both have compounded well over 10 years (BY: +76. 5%, MOFG: +112. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: BY is a small-cap deep-value stock; MOFG is a small-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.