FUNC vs. OSBC, BETR, BHRB, ESQ, FMBH, LX, OPFI, ATLC, SBSI, and AMAL
Should you be buying First United stock or one of its competitors? The main competitors of First United include Old Second Bancorp (OSBC), Better Home & Finance (BETR), Burke & Herbert Financial Services (BHRB), Esquire Financial (ESQ), First Mid Bancshares (FMBH), LexinFintech (LX), OppFi (OPFI), Atlanticus (ATLC), Southside Bancshares (SBSI), and Amalgamated Financial (AMAL). These companies are all part of the "banking" industry.
First United vs. Its 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.
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.
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.
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.
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.
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.
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.
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.
Summary
Old Second Bancorp beats First United on 13 of the 19 factors compared between the two stocks.
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New MarketBeat Followers Over Time
This chart shows the number of new MarketBeat users adding FUNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip ChartMedia Sentiment Over Time
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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This page (NASDAQ:FUNC) was last updated on 10/18/2025 by MarketBeat.com Staff