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Old Second Bancorp, Inc. (OSBC) vs Peoples Bancorp Inc. (PEBO)

Old Second Bancorp, Inc. and Peoples Bancorp Inc. are both Banks Regional companies. Old Second Bancorp, Inc. and Peoples Bancorp Inc. are of similar size ($1.3B and $1.3B). Peoples Bancorp Inc. trades at the lower P/E: 11.0× against 14.0×. Old Second Bancorp, Inc. grew revenue faster over the last twelve months: 33.1% against −0.12%. Old Second Bancorp, Inc. has the higher net margin (20.2% vs 19.2%) and the higher return on invested capital (9.36% vs 7.67%). Both pay a dividend; Peoples Bancorp Inc. yields more (4.52% vs 1.13%). Across the 19 metrics below, Old Second Bancorp, Inc. leads on 10 and Peoples Bancorp Inc. on 9.

Valuation

Metric OSBC PEBO Banks Regional median
P/E 13.98 10.99 11.98
P/S 2.79 2.10 2.34
P/B 1.41 1.04 1.19
Price to free cash flow 10.07 9.47 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.15% 9.10% 8.23%
Free cash flow yield 9.93% 10.56% 9.08%

Profitability

Metric OSBC PEBO Banks Regional median
Gross margin 83.46% 75.31% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.22% 19.17% 18.66%
Free cash flow margin 27.71% 22.13% 21.11%
Return on equity 11.40% 9.89% 10.65%
Return on assets 1.47% 1.24% 1.13%
Return on invested capital 9.36% 7.67% 8.35%

Growth

Metric OSBC PEBO Banks Regional median
Revenue growth (TTM) 33.08% (0.12%) 6.98%
EPS growth (last fiscal year) (13.37%) (9.67%) 18.88%
Revenue growth, 5-year CAGR 23.16% 22.87% 12.38%
Net income growth, 5-year CAGR 23.61% 25.16% 9.71%

Health

Metric OSBC PEBO Banks Regional median
Debt to equity 0.08 0.13 0.22
Current ratio 0.91 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OSBC PEBO Banks Regional median
Dividend yield 1.13% 4.52% 2.57%
Payout ratio 0.16 0.50 0.30

Size

Metric OSBC PEBO Banks Regional median
Market cap 1.26b 1.32b 913.33m

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