OP Bancorp (OPBK) Competitors

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

Is OPBK or OSBC more profitable?

Old Second Bancorp has a net margin of 24.95% compared to OP Bancorp's net margin of 13.68%. Old Second Bancorp's return on equity of 13.73% beat OP Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OP Bancorp	13.68%	10.64%	0.91%
Old Second Bancorp	24.95%	13.73%	1.52%

Does the MarketBeat Community favor OPBK or OSBC?

Old Second Bancorp received 270 more outperform votes than OP Bancorp when rated by MarketBeat users. Likewise, 58.99% of users gave Old Second Bancorp an outperform vote while only 53.70% of users gave OP Bancorp an outperform vote.

Company	Underperform	Outperform
OP Bancorp	Outperform Votes 58 53.70%	Underperform Votes 50 46.30%
Old Second Bancorp	Outperform Votes 328 58.99%	Underperform Votes 228 41.01%

Do institutionals and insiders believe in OPBK or OSBC?

53.6% of OP Bancorp shares are owned by institutional investors. Comparatively, 67.8% of Old Second Bancorp shares are owned by institutional investors. 21.3% of OP Bancorp shares are owned by insiders. Comparatively, 3.8% of Old Second Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Do analysts recommend OPBK or OSBC?

OP Bancorp currently has a consensus price target of $18.00, indicating a potential upside of 27.98%. Old Second Bancorp has a consensus price target of $19.88, indicating a potential upside of 6.14%. Given OP Bancorp's higher probable upside, equities analysts clearly believe OP Bancorp is more favorable than Old Second Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OP Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.00

Does the media refer more to OPBK or OSBC?

In the previous week, Old Second Bancorp had 1 more articles in the media than OP Bancorp. MarketBeat recorded 2 mentions for Old Second Bancorp and 1 mentions for OP Bancorp. OP Bancorp's average media sentiment score of 1.67 beat Old Second Bancorp's score of 1.53 indicating that OP Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
OP Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Old Second Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has more volatility and risk, OPBK or OSBC?

OP Bancorp has a beta of 0.64, meaning that its stock price is 36% less volatile than the S&P 500. Comparatively, Old Second Bancorp has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500.

Which has higher earnings & valuation, OPBK or OSBC?

Old Second Bancorp has higher revenue and earnings than OP Bancorp. Old Second Bancorp is trading at a lower price-to-earnings ratio than OP 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
OP Bancorp	$154.05M	1.35	$21.07M	$1.39	10.12
Old Second Bancorp	$341.72M	2.46	$85.26M	$1.87	10.01

Is OPBK or OSBC a better dividend stock?

OP Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.4%. Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. OP Bancorp pays out 34.5% of its earnings in the form of a dividend. Old Second Bancorp pays out 12.8% 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.

Summary

Old Second Bancorp beats OP Bancorp on 16 of the 21 factors compared between the two stocks.