Old Second Bancorp (OSBC) Competitors

Bread Financial (NYSE:BFH) and Old Second Bancorp (NASDAQ:OSBC) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, community ranking, media sentiment, earnings, dividends and risk.

Which has more risk and volatility, BFH or OSBC?

Bread Financial has a beta of 1.96, indicating that its share price is 96% more volatile than the S&P 500. Comparatively, Old Second Bancorp has a beta of 1.08, indicating that its share price is 8% more volatile than the S&P 500.

Which has better earnings and valuation, BFH or OSBC?

Bread Financial has higher revenue and earnings than Old Second Bancorp. Old Second Bancorp is trading at a lower price-to-earnings ratio than Bread Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bread Financial	$3.93B	0.82	$718M	$6.28	10.35
Old Second Bancorp	$276.83M	2.97	$91.73M	$1.85	9.91

Is BFH or OSBC more profitable?

Old Second Bancorp has a net margin of 25.02% compared to Bread Financial's net margin of 6.37%. Old Second Bancorp's return on equity of 13.81% beat Bread Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bread Financial	6.37%	13.33%	1.82%
Old Second Bancorp	25.02%	13.81%	1.49%

Does the MarketBeat Community prefer BFH or OSBC?

Old Second Bancorp received 311 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 58.84% of users gave Old Second Bancorp an outperform vote while only 20.83% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Bread Financial	Outperform Votes 15 20.83%	Underperform Votes 57 79.17%
Old Second Bancorp	Outperform Votes 326 58.84%	Underperform Votes 228 41.16%

Is BFH or OSBC a better dividend stock?

Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.3%. Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. Bread Financial pays out 13.4% of its earnings in the form of a dividend. Old Second Bancorp pays out 13.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Old Second Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media refer more to BFH or OSBC?

In the previous week, Bread Financial had 11 more articles in the media than Old Second Bancorp. MarketBeat recorded 13 mentions for Bread Financial and 2 mentions for Old Second Bancorp. Old Second Bancorp's average media sentiment score of 1.12 beat Bread Financial's score of 1.05 indicating that Old Second Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bread Financial	9 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Old Second Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals & insiders have more ownership in BFH or OSBC?

99.5% of Bread Financial shares are held by institutional investors. Comparatively, 67.8% of Old Second Bancorp shares are held by institutional investors. 0.6% of Bread Financial shares are held by company insiders. Comparatively, 3.8% of Old Second Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Do analysts recommend BFH or OSBC?

Bread Financial currently has a consensus price target of $53.54, suggesting a potential downside of 17.63%. Old Second Bancorp has a consensus price target of $18.88, suggesting a potential upside of 2.97%. Given Old Second Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Old Second Bancorp is more favorable than Bread Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bread Financial	2 Sell rating(s)	9 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.19
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Summary

Old Second Bancorp beats Bread Financial on 11 of the 20 factors compared between the two stocks.