First Mid Bancshares, Inc. (FMBH) vs Old Second Bancorp, Inc. (OSBC)
First Mid Bancshares, Inc. and Old Second Bancorp, Inc. are both Banks Regional companies. First Mid Bancshares, Inc. and Old Second Bancorp, Inc. are of similar size ($1.3B and $1.3B). First Mid Bancshares, Inc. trades at the lower P/E: 12.3× against 14.0×. Old Second Bancorp, Inc. grew revenue faster over the last twelve months: 33.1% against 10.4%. Old Second Bancorp, Inc. has the higher net margin (20.2% vs 19.8%) and the lower return on invested capital (9.36% vs 9.74%). Both pay a dividend; First Mid Bancshares, Inc. yields more (3.04% vs 1.60%). Across the 20 metrics below, First Mid Bancshares, Inc. leads on 10 and Old Second Bancorp, Inc. on 10.
Valuation
Profitability
| Metric | FMBH | OSBC | Banks Regional median |
|---|---|---|---|
| Gross margin | 75.52% | 83.46% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 19.76% | 20.22% | 18.66% |
| Free cash flow margin | 25.00% | 27.71% | 21.18% |
| Return on equity | 10.05% | 11.40% | 10.64% |
| Return on assets | 1.19% | 1.47% | 1.13% |
| Return on invested capital | 9.74% | 9.36% | 8.33% |
Growth
Health
Dividend
Size
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