First Community (FCCO) Competitors

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

Do institutionals and insiders believe in OSBC or FCCO?

67.8% of Old Second Bancorp shares are owned by institutional investors. Comparatively, 61.3% of First Community shares are owned by institutional investors. 3.8% of Old Second Bancorp shares are owned by company insiders. Comparatively, 5.9% of First Community shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Is OSBC or FCCO more profitable?

Old Second Bancorp has a net margin of 24.38% compared to First Community's net margin of 15.87%. Old Second Bancorp's return on equity of 12.53% beat First Community's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Second Bancorp	24.38%	12.53%	1.51%
First Community	15.87%	11.65%	0.87%

Is OSBC or FCCO a better dividend stock?

Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. First Community pays an annual dividend of $0.64 per share and has a dividend yield of 2.5%. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. First Community pays out 28.7% 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 has raised its dividend for 1 consecutive years and First Community has raised its dividend for 4 consecutive years. First Community is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has better valuation and earnings, OSBC or FCCO?

Old Second Bancorp has higher revenue and earnings than First Community. Old Second Bancorp is trading at a lower price-to-earnings ratio than First Community, 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	$341.72M	2.68	$85.26M	$1.83	9.50
First Community	$103.43M	1.92	$13.95M	$2.23	11.55

Does the media prefer OSBC or FCCO?

In the previous week, First Community had 2 more articles in the media than Old Second Bancorp. MarketBeat recorded 3 mentions for First Community and 1 mentions for Old Second Bancorp. Old Second Bancorp's average media sentiment score of 1.87 beat First Community's score of 0.81 indicating that Old Second Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Old Second Bancorp	Very Positive
First Community	Positive

Which has more risk & volatility, OSBC or FCCO?

Old Second Bancorp has a beta of 0.8, suggesting that its share price is 20% less volatile than the S&P 500. Comparatively, First Community has a beta of 0.41, suggesting that its share price is 59% less volatile than the S&P 500.

Do analysts prefer OSBC or FCCO?

Old Second Bancorp presently has a consensus target price of $20.70, indicating a potential upside of 19.03%. First Community has a consensus target price of $29.67, indicating a potential upside of 15.17%. Given Old Second Bancorp's higher probable upside, equities analysts plainly believe Old Second Bancorp is more favorable than First Community.

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)	1 Strong Buy rating(s)	3.00
First Community	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.33

Summary

Old Second Bancorp beats First Community on 12 of the 19 factors compared between the two stocks.