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 2.1 times as much as Old Second Bancorp ($2.7B against $1.3B).
On earnings, Old Second Bancorp is cheaper: it trades at 11.8× trailing earnings, against 12.2× for FB Financial.
FB Financial grew revenue faster over the last twelve months (36.8% versus 20.6% for Old Second Bancorp).
FB Financial keeps more of each dollar of sales as profit, with a net margin of 33.3% compared with 29.1% at Old Second Bancorp.
Both pay dividends: FB Financial yields 1.1% and Old Second Bancorp 1.2%.
FB Financial scores higher on the StockData Score (17 against 15 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 | $1.3B |
| Share price | $54.90 | $25.10 |
| Change, 1 year | −0.40% | 36.3% |
| Change, 5 years | 19.1% | 88.0% |
| Beta (5Y) | 0.84 | 0.60 |
| Employees | 1,594 | 1,062 |
| StockData Score | ||
| Total score | 17 (better) | 15 |
| Valuation score | 2 | 2 |
| Growth score | 2 | 3 (better) |
| Performance score | 5 (better) | 4 |
| Health score | 5 (better) | 2 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 12.2× | 11.8× (better) |
| P/S | 3.9× | 3.3× (better) |
| P/B | 1.4× (better) | 1.5× |
| P/FCF | 15.9× | 7.4× (better) |
| PEG | – | 4.19 |
| FCF yield | 6.3% | 13.4% (better) |
| Fair value | $56.01 | $22.57 |
| Margin of safety | 2.0% (better) | −11.2% |
| Growth | ||
| Revenue growth (TTM) | 36.8% (better) | 20.6% |
| Revenue growth, 5Y average | −0.27% | 21.3% (better) |
| Net income growth (TTM) | 125% (better) | 57.8% |
| EPS growth (TTM) | 110% (better) | 40.4% |
| EPS growth, 5Y average | 8.0% | 12.0% (better) |
| Profitability | ||
| Net margin | 33.3% (better) | 29.1% |
| FCF margin | 24.6% | 44.9% (better) |
| Return on equity | 11.9% | 12.8% (better) |
| Financial health | ||
| Altman Z-score | 0.23 | 0.31 (better) |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.1% | 1.2% (better) |
| Payout ratio | 18.1% | 13.1% |
| Years of dividend growth | 7 (better) | 2 |
| Dividend growth, 5Y average | 16.1% | 44.3% (better) |
| Buyback yield | 8.1% (better) | 6.2% |
| Shareholder yield | 9.2% (better) | 7.4% |
| Ownership | ||
| Held by institutions | 81.2% | 76.3% |
| Held by insiders | 24.3% | 3.5% |
| Insider net buying, 12 months | $542K (better) | −$7.0M |
| Short interest, % of float | 6.9% | 6.5% |
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.