FB Financial vs Old Second Bancorp
FBK 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 FBK and OSBC compare
FB Financial is the larger company, worth 2.2 times as much as Old Second Bancorp ($2.7B against $1.2B).
On earnings, Old Second Bancorp is cheaper: it trades at 14.0× trailing earnings, against 14.4× for FB Financial.
FB Financial grew revenue faster over the last twelve months (63.7% versus 30.4% for Old Second Bancorp).
FB Financial keeps more of each dollar of sales as profit, with a net margin of 28.1% compared with 24.2% at Old Second Bancorp.
Both pay dividends: FB Financial yields 1.5% and Old Second Bancorp 1.5%.
FB Financial scores higher on the StockData Score (14 against 13 for Old Second Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FBK | OSBC |
|---|---|---|
| Size and price | ||
| Market cap | $2.7B | $1.2B |
| Share price | $53.57 | $24.30 |
| Change, 1 year | −0.48% | 32.6% |
| Change, 5 years | 12.9% | 74.3% |
| Beta (5Y) | 0.85 | 0.60 |
| Employees | 1,594 | 1,062 |
| StockData Score | ||
| Total score | 14 (better) | 13 |
| Valuation score | 1 | 1 |
| Growth score | 2 | 2 |
| Performance score | 3 | 3 |
| Health score | 5 (better) | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 14.4× | 14.0× (better) |
| P/S | 3.8× | 3.2× (better) |
| P/B | 1.4× | 1.4× (better) |
| P/FCF | 13.4× | 8.7× (better) |
| PEG | – | 4.94 |
| FCF yield | 7.5% | 11.5% (better) |
| Fair value | $50.86 | $20.76 |
| Margin of safety | −5.3% (better) | −17.0% |
| Growth | ||
| Revenue growth (TTM) | 63.7% (better) | 30.4% |
| Revenue growth, 5Y average | −0.27% | 21.3% (better) |
| Net income growth (TTM) | 117% (better) | 10.4% |
| EPS growth (TTM) | 93.3% (better) | −4.9% |
| EPS growth, 5Y average | 8.0% | 12.0% (better) |
| Profitability | ||
| Net margin | 28.1% (better) | 24.2% |
| FCF margin | 28.6% | 37.3% (better) |
| Return on equity | 11.1% | 11.4% (better) |
| Financial health | ||
| Altman Z-score | 0.23 | 0.30 (better) |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.5% (better) | 1.5% |
| Payout ratio | 21.4% | 15.3% |
| Years of dividend growth | 7 (better) | 2 |
| Dividend growth, 5Y average | 16.1% | 44.3% (better) |
| Buyback yield | 8.1% (better) | 3.7% |
| Shareholder yield | 9.6% (better) | 5.2% |
| Ownership | ||
| Held by institutions | 81.2% | 76.3% |
| Held by insiders | 24.3% | 3.0% |
| Insider net buying, 12 months | −$995K (better) | −$7.3M |
| Short interest, % of float | 8.0% | 5.6% |
Go deeper
- FBK stock overview
- FBK income statement
- FBK 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.