Oportun Financial (OPRT) Competitors

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

Do institutionals & insiders hold more shares of OSBC or OPRT?

67.8% of Old Second Bancorp shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 3.8% of Old Second Bancorp shares are held by company insiders. Comparatively, 9.3% of Oportun Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Which has more risk and volatility, OSBC or OPRT?

Old Second Bancorp has a beta of 0.8, meaning that its stock price is 20% less volatile than the S&P 500. Comparatively, Oportun Financial has a beta of 1.3, meaning that its stock price is 30% more volatile than the S&P 500.

Does the media refer more to OSBC or OPRT?

In the previous week, Old Second Bancorp had 6 more articles in the media than Oportun Financial. MarketBeat recorded 10 mentions for Old Second Bancorp and 4 mentions for Oportun Financial. Old Second Bancorp's average media sentiment score of 0.50 beat Oportun Financial's score of 0.47 indicating that Old Second Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Old Second Bancorp	1 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Oportun Financial	0 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts rate OSBC or OPRT?

Old Second Bancorp currently has a consensus price target of $21.38, suggesting a potential upside of 19.08%. Oportun Financial has a consensus price target of $8.67, suggesting a potential upside of 57.29%. Given Oportun Financial's higher probable upside, analysts plainly believe Oportun Financial is more favorable than Old Second Bancorp.

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
Oportun Financial	2 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.00

Which has preferable valuation & earnings, OSBC or OPRT?

Old Second Bancorp has higher earnings, but lower revenue than Oportun Financial. Oportun 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
Old Second Bancorp	$341.72M	2.77	$85.26M	$1.83	9.81
Oportun Financial	$1.00B	0.24	-$78.68M	-$0.20	-27.55

Is OSBC or OPRT more profitable?

Old Second Bancorp has a net margin of 24.38% compared to Oportun Financial's net margin of -0.47%. Oportun Financial's return on equity of 13.15% 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%
Oportun Financial	-0.47%	13.15%	1.45%

Summary

Old Second Bancorp beats Oportun Financial on 11 of the 17 factors compared between the two stocks.