Old Second Bancorp (OSBC) Competitors

Old Second Bancorp (NASDAQ:OSBC) and Bread Financial (NYSE:BFH) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their community ranking, analyst recommendations, dividends, media sentiment, risk, institutional ownership, profitability, valuation and earnings.

Do institutionals and insiders believe in OSBC or BFH?

67.8% of Old Second Bancorp shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 3.8% of Old Second Bancorp shares are owned by insiders. Comparatively, 0.6% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Is OSBC or BFH a better dividend stock?

Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.3%. Old Second Bancorp pays out 13.0% of its earnings in the form of a dividend. Bread Financial pays out 13.4% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media refer more to OSBC or BFH?

In the previous week, Bread Financial had 17 more articles in the media than Old Second Bancorp. MarketBeat recorded 19 mentions for Bread Financial and 2 mentions for Old Second Bancorp. Bread Financial's average media sentiment score of 1.00 beat Old Second Bancorp's score of 0.57 indicating that Bread Financial 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)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Bread Financial	9 Very Positive mention(s)	2 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has stronger earnings and valuation, OSBC or BFH?

Bread Financial has higher revenue and earnings than Old Second Bancorp. Old Second Bancorp is trading at a lower price-to-earnings ratio than Bread Financial, 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	$276.83M	2.97	$91.73M	$1.85	9.90
Bread Financial	$3.93B	0.84	$718M	$6.28	10.56

Do analysts rate OSBC or BFH?

Old Second Bancorp currently has a consensus price target of $18.88, indicating a potential upside of 3.09%. Bread Financial has a consensus price target of $51.50, indicating a potential downside of 22.35%. Given Old Second Bancorp's stronger consensus rating and higher possible upside, equities research analysts plainly believe Old Second Bancorp is more favorable than Bread Financial.

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)	0 Strong Buy rating(s)	2.75
Bread Financial	3 Sell rating(s)	9 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.12

Is OSBC or BFH more profitable?

Old Second Bancorp has a net margin of 25.02% compared to Bread Financial's net margin of 6.37%. Old Second Bancorp's return on equity of 13.81% beat Bread Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Second Bancorp	25.02%	13.81%	1.49%
Bread Financial	6.37%	13.33%	1.82%

Which has more risk & volatility, OSBC or BFH?

Old Second Bancorp has a beta of 1.08, suggesting that its stock price is 8% more volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.96, suggesting that its stock price is 96% more volatile than the S&P 500.

Does the MarketBeat Community favor OSBC or BFH?

Old Second Bancorp received 311 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 58.84% of users gave Old Second Bancorp an outperform vote while only 20.83% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Old Second Bancorp	Outperform Votes 326 58.84%	Underperform Votes 228 41.16%
Bread Financial	Outperform Votes 15 20.83%	Underperform Votes 57 79.17%

Summary

Old Second Bancorp and Bread Financial tied by winning 10 of the 20 factors compared between the two stocks.