Old Second Bancorp vs Republic Bancorp
OSBC and RBCAA side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How OSBC and RBCAA compare
Republic Bancorp is the larger company, worth 1.4 times as much as Old Second Bancorp ($1.8B against $1.3B).
On earnings, Old Second Bancorp is cheaper: it trades at 11.8× trailing earnings, against 14.0× for Republic Bancorp.
Old Second Bancorp grew revenue faster over the last twelve months (20.6% versus 1.7% for Republic Bancorp).
Republic Bancorp keeps more of each dollar of sales as profit, with a net margin of 30.8% compared with 29.1% at Old Second Bancorp.
Both pay dividends: Old Second Bancorp yields 1.2% and Republic Bancorp 2.1%.
Old Second Bancorp scores higher on the StockData Score (15 against 9 for Republic 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 | OSBC | RBCAA |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $1.8B |
| Share price | $25.10 | $91.12 |
| Change, 1 year | 36.3% | 39.0% |
| Change, 5 years | 88.0% | 66.8% |
| Beta (5Y) | 0.60 | 0.63 |
| Employees | 1,062 | 973 |
| StockData Score | ||
| Total score | 15 (better) | 9 |
| Valuation score | 2 (better) | 0 |
| Growth score | 3 (better) | 0 |
| Performance score | 4 | 4 |
| Health score | 2 | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 11.8× (better) | 14.0× |
| P/S | 3.3× (better) | 4.3× |
| P/B | 1.5× (better) | 1.5× |
| P/FCF | 7.4× (better) | 12.6× |
| PEG | 4.19 | – |
| FCF yield | 13.4% (better) | 8.0% |
| Fair value | $22.57 | $75.09 |
| Margin of safety | −11.2% (better) | −21.3% |
| Growth | ||
| Revenue growth (TTM) | 20.6% (better) | 1.7% |
| Revenue growth, 5Y average | 21.3% (better) | 5.5% |
| Net income growth (TTM) | 57.8% (better) | 1.4% |
| EPS growth (TTM) | 40.4% (better) | 1.1% |
| EPS growth, 5Y average | 12.0% | – |
| Profitability | ||
| Net margin | 29.1% | 30.8% (better) |
| FCF margin | 44.9% (better) | 33.9% |
| Return on equity | 12.8% (better) | 11.5% |
| Financial health | ||
| Altman Z-score | 0.31 | 0.44 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.2% | 2.1% (better) |
| Payout ratio | 13.1% | 28.2% |
| Years of dividend growth | 2 | – |
| Dividend growth, 5Y average | 44.3% | – |
| Buyback yield | 6.2% | – |
| Shareholder yield | 7.4% (better) | 2.1% |
| Ownership | ||
| Held by institutions | 76.3% | 28.9% |
| Held by insiders | 3.5% | 6.4% |
| Insider net buying, 12 months | −$7.0M | −$430K (better) |
| Short interest, % of float | 6.5% | 2.7% |
Go deeper
- OSBC stock overview
- OSBC income statement
- OSBC valuation and score
- RBCAA stock overview
- RBCAA income statement
- RBCAA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.