Old Second Bancorp (OSBC) Competitors

Old Second Bancorp (NASDAQ:OSBC) and Reliant Bancorp (NASDAQ:RBNC) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, media sentiment, earnings, dividends, analyst recommendations, risk, community ranking, valuation and institutional ownership.

Do analysts rate OSBC or RBNC?

Old Second Bancorp presently has a consensus target price of $18.88, suggesting a potential upside of 2.25%. Given Old Second Bancorp's stronger consensus rating and higher probable upside, equities analysts clearly believe Old Second Bancorp is more favorable than Reliant Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Reliant Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the MarketBeat Community favor OSBC or RBNC?

Old Second Bancorp received 128 more outperform votes than Reliant Bancorp when rated by MarketBeat users. Likewise, 58.84% of users gave Old Second Bancorp an outperform vote while only 44.80% of users gave Reliant Bancorp an outperform vote.

Company	Underperform	Outperform
Old Second Bancorp	Outperform Votes 326 58.84%	Underperform Votes 228 41.16%
Reliant Bancorp	Outperform Votes 198 44.80%	Underperform Votes 244 55.20%

Does the media refer more to OSBC or RBNC?

In the previous week, Old Second Bancorp had 6 more articles in the media than Reliant Bancorp. MarketBeat recorded 6 mentions for Old Second Bancorp and 0 mentions for Reliant Bancorp. Old Second Bancorp's average media sentiment score of 1.37 beat Reliant Bancorp's score of 0.00 indicating that Old Second Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Old Second Bancorp	Positive
Reliant Bancorp	Neutral

Which has more risk and volatility, OSBC or RBNC?

Old Second Bancorp has a beta of 1.06, indicating that its stock price is 6% more volatile than the S&P 500. Comparatively, Reliant Bancorp has a beta of 0.98, indicating that its stock price is 2% less volatile than the S&P 500.

Is OSBC or RBNC more profitable?

Reliant Bancorp has a net margin of 29.30% compared to Old Second Bancorp's net margin of 25.02%. Reliant Bancorp's return on equity of 15.37% beat Old Second Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Second Bancorp	25.02%	13.81%	1.49%
Reliant Bancorp	29.30%	15.37%	1.71%

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

67.8% of Old Second Bancorp shares are owned by institutional investors. Comparatively, 36.5% of Reliant Bancorp shares are owned by institutional investors. 3.8% of Old Second Bancorp shares are owned by company insiders. Comparatively, 8.2% of Reliant Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Is OSBC or RBNC a better dividend stock?

Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. Reliant Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 1.4%. Old Second Bancorp pays out 13.0% of its earnings in the form of a dividend. Reliant Bancorp pays out 15.8% 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.

Which has stronger valuation & earnings, OSBC or RBNC?

Old Second Bancorp has higher revenue and earnings than Reliant Bancorp. Old Second Bancorp is trading at a lower price-to-earnings ratio than Reliant Bancorp, 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
Old Second Bancorp	$276.83M	2.99	$91.73M	$1.85	9.98
Reliant Bancorp	$151.83M	3.88	$31.41M	$3.03	11.72

Summary

Old Second Bancorp beats Reliant Bancorp on 12 of the 20 factors compared between the two stocks.