Old Second Bancorp, Inc. (OSBC) vs First Financial Corporation Indiana (THFF)
Old Second Bancorp, Inc. and First Financial Corporation Indiana are both Banks Regional companies. Old Second Bancorp, Inc. and First Financial Corporation Indiana are of similar size ($1.3B and $1.2B). First Financial Corporation Indiana trades at the lower P/E: 10.6× against 14.0×. Old Second Bancorp, Inc. grew revenue faster over the last twelve months: 33.1% against 8.15%. First Financial Corporation Indiana has the higher net margin (23.3% vs 20.2%) and the lower return on invested capital (7.53% vs 9.36%). Both pay a dividend; First Financial Corporation Indiana yields more (4.18% vs 1.60%). Across the 20 metrics below, Old Second Bancorp, Inc. leads on 10 and First Financial Corporation Indiana on 10.
Valuation
Profitability
| Metric | OSBC | THFF | Banks Regional median |
|---|---|---|---|
| Gross margin | 83.46% | 76.02% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 20.22% | 23.32% | 18.66% |
| Free cash flow margin | 27.71% | 25.60% | 21.18% |
| Return on equity | 11.40% | 13.42% | 10.64% |
| Return on assets | 1.47% | 1.44% | 1.13% |
| Return on invested capital | 9.36% | 7.53% | 8.33% |
Growth
Health
Dividend
Size
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