Old Second Bancorp (OSBC) Competitors

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

Do institutionals and insiders hold more shares of BFH or OSBC?

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

Does the media refer more to BFH or OSBC?

In the previous week, Bread Financial had 4 more articles in the media than Old Second Bancorp. MarketBeat recorded 5 mentions for Bread Financial and 1 mentions for Old Second Bancorp. Old Second Bancorp's average media sentiment score of 1.18 beat Bread Financial's score of 0.56 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	1 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Old Second Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has higher earnings and valuation, BFH or OSBC?

Bread Financial has higher revenue and earnings than Old Second Bancorp. Bread Financial is trading at a lower price-to-earnings ratio than Old Second 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
Bread Financial	$5.17B	0.59	$718M	$6.28	9.81
Old Second Bancorp	$326.15M	2.50	$91.73M	$1.85	9.84

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%

Do analysts prefer BFH or OSBC?

Bread Financial currently has a consensus price target of $55.14, indicating a potential downside of 10.50%. Old Second Bancorp has a consensus price target of $18.88, indicating a potential upside of 3.71%. 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)	6 Buy rating(s)	0 Strong Buy rating(s)	2.24
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.00

Which has more volatility and risk, BFH or OSBC?

Bread Financial has a beta of 1.94, indicating that its stock price is 94% more volatile than the S&P 500. Comparatively, Old Second Bancorp has a beta of 1.08, indicating that its stock price is 8% more volatile than the S&P 500.

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, 58.92% of users gave Old Second Bancorp an outperform vote while only 21.92% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Bread Financial	Outperform Votes 16 21.92%	Underperform Votes 57 78.08%
Old Second Bancorp	Outperform Votes 327 58.92%	Underperform Votes 228 41.08%

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 1.4%. 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.

Summary

Old Second Bancorp beats Bread Financial on 12 of the 21 factors compared between the two stocks.