First United (FUNC) Competitors

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

Which has more risk and volatility, OSBC or FUNC?

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 United has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.

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

67.8% of Old Second Bancorp shares are owned by institutional investors. Comparatively, 33.3% of First United shares are owned by institutional investors. 3.8% of Old Second Bancorp shares are owned by company insiders. Comparatively, 7.9% of First United shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Is OSBC or FUNC 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 United pays an annual dividend of $0.88 per share and has a dividend yield of 2.6%. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. First United pays out 24.1% 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 United has raised its dividend for 6 consecutive years. First United is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is OSBC or FUNC more profitable?

Old Second Bancorp has a net margin of 24.38% compared to First United's net margin of 20.53%. First United's return on equity of 13.05% beat Old Second Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Second Bancorp	24.38%	12.53%	1.51%
First United	20.53%	13.05%	1.21%

Which has stronger earnings & valuation, OSBC or FUNC?

Old Second Bancorp has higher revenue and earnings than First United. First United 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
Old Second Bancorp	$341.72M	2.63	$85.26M	$1.83	9.33
First United	$111.40M	1.98	$20.57M	$3.65	9.32

Do analysts recommend OSBC or FUNC?

Old Second Bancorp presently has a consensus price target of $21.38, suggesting a potential upside of 25.22%. First United has a consensus price target of $42.00, suggesting a potential upside of 23.46%. Given Old Second Bancorp's higher probable upside, equities research analysts plainly believe Old Second Bancorp is more favorable than First United.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	1 Strong Buy rating(s)	3.00
First United	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the media refer more to OSBC or FUNC?

In the previous week, Old Second Bancorp had 2 more articles in the media than First United. MarketBeat recorded 3 mentions for Old Second Bancorp and 1 mentions for First United. First United's average media sentiment score of 1.18 beat Old Second Bancorp's score of 0.08 indicating that First United is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Old Second Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
First United	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Old Second Bancorp beats First United on 13 of the 19 factors compared between the two stocks.