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Old Second Bancorp, Inc. (OSBC) vs Tompkins Financial Corporation (TMP)

Old Second Bancorp, Inc. and Tompkins Financial Corporation are both Banks Regional companies. Tompkins Financial Corporation is the larger, with a market value of $1.4B against $1.3B — 1.1× the size. Tompkins Financial Corporation trades at the lower P/E: 7.9× against 14.0×. Old Second Bancorp, Inc. grew revenue faster over the last twelve months: 33.1% against 28.2%. Tompkins Financial Corporation has the higher net margin (30.1% vs 20.2%) and the higher return on invested capital (11.2% vs 9.36%). Both pay a dividend; Tompkins Financial Corporation yields more (2.76% vs 1.13%). Across the 19 metrics below, Tompkins Financial Corporation leads on 10 and Old Second Bancorp, Inc. on 9.

Valuation

Metric OSBC TMP Banks Regional median
P/E 13.98 7.94 11.98
P/S 2.79 2.39 2.34
P/B 1.41 1.45 1.19
Price to free cash flow 10.07 27.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.15% 12.59% 8.23%
Free cash flow yield 9.93% 3.66% 9.08%

Profitability

Metric OSBC TMP Banks Regional median
Gross margin 83.46% 77.87% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.22% 30.13% 18.66%
Free cash flow margin 27.71% 8.73% 21.11%
Return on equity 11.40% 20.36% 10.65%
Return on assets 1.47% 2.04% 1.13%
Return on invested capital 9.36% 11.22% 8.35%

Growth

Metric OSBC TMP Banks Regional median
Revenue growth (TTM) 33.08% 28.16% 6.98%
EPS growth (last fiscal year) (13.37%) 126.16% 18.88%
Revenue growth, 5-year CAGR 23.16% 12.02% 12.38%
Net income growth, 5-year CAGR 23.61% 15.73% 9.71%

Health

Metric OSBC TMP Banks Regional median
Debt to equity 0.08 0.57 0.22
Current ratio 0.91 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OSBC TMP Banks Regional median
Dividend yield 1.13% 2.76% 2.57%
Payout ratio 0.16 0.22 0.30

Size

Metric OSBC TMP Banks Regional median
Market cap 1.26b 1.40b 913.33m

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