Amerant Bancorp Inc. (AMTB) vs Old Second Bancorp, Inc. (OSBC)

Amerant Bancorp Inc. and Old Second Bancorp, Inc. are both Banks Regional companies. Amerant Bancorp Inc. and Old Second Bancorp, Inc. are of similar size ($1.2B and $1.2B). Old Second Bancorp, Inc. trades at the lower P/E: 11.3× against 17.3×. Old Second Bancorp, Inc. grew revenue faster over the last twelve months: 21.7% against −7.36%. Old Second Bancorp, Inc. has the higher net margin (24.5% vs 10.6%) and the higher return on invested capital (12.2% vs 4.00%). Both pay a dividend; Amerant Bancorp Inc. yields more (1.22% vs 1.19%). Across the 19 metrics below, Old Second Bancorp, Inc. leads on 13 and Amerant Bancorp Inc. on 6.

Valuation

Metric AMTB OSBC Banks Regional median
P/E 17.26 11.28 12.02
P/S 1.82 2.69 2.36
P/B 1.37 1.40 1.23
Price to free cash flow 7.63 7.88 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.79% 8.86% 8.21%
Free cash flow yield 13.11% 12.69% 9.23%

Profitability

Metric AMTB OSBC Banks Regional median
Gross margin 66.23% 84.10% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.63% 24.50% 18.82%
Free cash flow margin 23.89% 38.37% 17.97%
Return on equity 7.54% 12.78% 10.28%
Return on assets 0.65% 1.62% 1.13%
Return on invested capital 4.00% 12.16% 8.45%

Growth

Metric AMTB OSBC Banks Regional median
Revenue growth (TTM) (7.36%) 21.68% 6.37%
EPS growth (last fiscal year) 386.36% (13.37%) 18.85%
Revenue growth, 5-year CAGR 15.14% 23.16% 12.65%
Net income growth, 5-year CAGR 0.00% 23.61% 9.81%

Health

Metric AMTB OSBC Banks Regional median
Debt to equity 1.02 0.00 0.17
Current ratio 0.89 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMTB OSBC Banks Regional median
Dividend yield 1.22% 1.19% 2.49%
Payout ratio 0.21 0.14 0.29

Size

Metric AMTB OSBC Banks Regional median
Market cap 1.15b 1.24b 934.85m

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