Northpointe Bancshares vs Old Second Bancorp
NPB 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 NPB and OSBC compare
Old Second Bancorp is the larger company, worth 2.3 times as much as Northpointe Bancshares ($1.3B against $545M).
On earnings, Northpointe Bancshares is cheaper: it trades at 6.8× trailing earnings, against 11.8× for Old Second Bancorp.
Northpointe Bancshares grew revenue faster over the last twelve months (22.5% versus 20.6% for Old Second Bancorp).
Northpointe Bancshares keeps more of each dollar of sales as profit, with a net margin of 34.9% compared with 29.1% at Old Second Bancorp.
Both pay dividends: Northpointe Bancshares yields 0.67% and Old Second Bancorp 1.2%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NPB | OSBC |
|---|---|---|
| Size and price | ||
| Market cap | $545M | $1.3B |
| Share price | $15.77 | $25.10 |
| Change, 1 year | −2.5% | 36.3% |
| Change, 5 years | – | 88.0% |
| Beta (5Y) | 0.88 | 0.60 |
| Employees | 483 | 1,062 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 5 (better) | 2 |
| Growth score | 1 | 3 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 3 (better) | 2 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 6.8× (better) | 11.8× |
| P/S | 2.1× (better) | 3.3× |
| P/B | 0.9× (better) | 1.5× |
| P/FCF | 5.4× (better) | 7.4× |
| PEG | – | 4.19 |
| FCF yield | 18.7% (better) | 13.4% |
| Fair value | $25.38 | $22.57 |
| Margin of safety | 37.9% (better) | −11.2% |
| Growth | ||
| Revenue growth (TTM) | 22.5% (better) | 20.6% |
| Revenue growth, 5Y average | – | 21.3% |
| Net income growth (TTM) | 33.3% | 57.8% (better) |
| EPS growth (TTM) | 16.0% | 40.4% (better) |
| EPS growth, 5Y average | – | 12.0% |
| Profitability | ||
| Net margin | 34.9% (better) | 29.1% |
| FCF margin | 39.6% | 44.9% (better) |
| Return on equity | 14.8% (better) | 12.8% |
| Financial health | ||
| Altman Z-score | 0.16 | 0.31 (better) |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.67% | 1.2% (better) |
| Payout ratio | 3.8% | 13.1% |
| Years of dividend growth | 0 | 2 (better) |
| Dividend growth, 5Y average | – | 44.3% |
| Buyback yield | −0.00% | 6.2% (better) |
| Shareholder yield | 0.67% | 7.4% (better) |
| Ownership | ||
| Held by institutions | 63.8% | 76.3% |
| Held by insiders | 15.3% | 3.5% |
| Insider net buying, 12 months | $4.2M (better) | −$7.0M |
| Short interest, % of float | 2.6% | 6.5% |
Go deeper
- NPB stock overview
- NPB income statement
- NPB 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.