Community Trust Bancorp vs Old Second Bancorp
CTBI and OSBC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CTBI and OSBC compare
Community Trust Bancorp and Old Second Bancorp are about the same size, with market caps of $1.3B and $1.3B.
On earnings, Community Trust Bancorp is cheaper: it trades at 11.5× trailing earnings, against 11.8× for Old Second Bancorp.
Old Second Bancorp grew revenue faster over the last twelve months (20.6% versus 12.3% for Community Trust Bancorp).
Community Trust Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.8% compared with 29.1% at Old Second Bancorp.
Both pay dividends: Community Trust Bancorp yields 3.3% and Old Second Bancorp 1.2%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CTBI | OSBC |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $1.3B |
| Share price | $70.08 | $25.10 |
| Change, 1 year | 30.5% | 36.3% |
| Change, 5 years | 58.0% | 88.0% |
| Beta (5Y) | 0.52 | 0.60 |
| Employees | 930 | 1,062 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 5 (better) | 4 |
| Health score | 3 (better) | 2 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.5× (better) | 11.8× |
| P/S | 4.1× | 3.3× (better) |
| P/B | 1.5× (better) | 1.5× |
| P/FCF | 10.1× | 7.4× (better) |
| PEG | 1.97 (better) | 4.19 |
| FCF yield | 9.9% | 13.4% (better) |
| Fair value | $63.87 | $22.57 |
| Margin of safety | −9.7% (better) | −11.2% |
| Growth | ||
| Revenue growth (TTM) | 12.3% | 20.6% (better) |
| Revenue growth, 5Y average | 6.6% | 21.3% (better) |
| Net income growth (TTM) | 17.9% | 57.8% (better) |
| EPS growth (TTM) | 17.6% | 40.4% (better) |
| EPS growth, 5Y average | 10.1% | 12.0% (better) |
| Profitability | ||
| Net margin | 35.8% (better) | 29.1% |
| FCF margin | 41.2% | 44.9% (better) |
| Return on equity | 12.9% (better) | 12.8% |
| Financial health | ||
| Altman Z-score | 0.29 | 0.31 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.3% (better) | 1.2% |
| Payout ratio | 37.7% | 13.1% |
| Years of dividend growth | 13 (better) | 2 |
| Dividend growth, 5Y average | 5.5% | 44.3% (better) |
| Buyback yield | −0.11% | 6.2% (better) |
| Shareholder yield | 3.2% | 7.4% (better) |
| Ownership | ||
| Held by institutions | 61.9% | 76.3% |
| Held by insiders | 2.0% | 3.5% |
| Insider net buying, 12 months | −$303K (better) | −$7.0M |
| Short interest, % of float | 3.0% | 6.5% |
Go deeper
- CTBI stock overview
- CTBI income statement
- CTBI valuation and score
- OSBC stock overview
- OSBC income statement
- OSBC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.