OSBC Quote, Financials, Valuation and Earnings

Commerce Bancshares has a net margin of 32.93% compared to Old Second Bancorp's net margin of 32.45%. Old Second Bancorp's return on equity of 14.13% beat Commerce Bancshares's return on equity of 16.5%.

Old Second Bancorp has a consensus price target of $21.33, signalling upside risk potential of 19.58%. On the other hand Commerce Bancshares has an analysts' consensus of $69.55 which suggests that it could grow by 10.72%. Given that Old Second Bancorp has higher upside potential than Commerce Bancshares, analysts believe Old Second Bancorp is more attractive than Commerce Bancshares.

Old Second Bancorp has a beta of 1.078, which suggesting that the stock is 7.83% more volatile than S&P 500. In comparison Commerce Bancshares has a beta of 0.770, suggesting its less volatile than the S&P 500 by 23.044%.

Old Second Bancorp has a quarterly dividend of $0.06 per share corresponding to a yield of 1.18%. Commerce Bancshares offers a yield of 1.66% to investors and pays a quarterly dividend of $0.27 per share. Old Second Bancorp pays 9.75% of its earnings as a dividend. Commerce Bancshares pays out 28.24% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Second Bancorp quarterly revenues are $69.7M, which are smaller than Commerce Bancshares quarterly revenues of $425.2M. Old Second Bancorp's net income of $23M is lower than Commerce Bancshares's net income of $138M. Notably, Old Second Bancorp's price-to-earnings ratio is 9.64x while Commerce Bancshares's PE ratio is 17.18x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Second Bancorp is 2.95x versus 5.18x for Commerce Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

Evans Bancorp has a net margin of 32.93% compared to Old Second Bancorp's net margin of 16.32%. Old Second Bancorp's return on equity of 14.13% beat Evans Bancorp's return on equity of 10.61%.

Old Second Bancorp has a consensus price target of $21.33, signalling upside risk potential of 19.58%. On the other hand Evans Bancorp has an analysts' consensus of -- which suggests that it could grow by 14.77%. Given that Old Second Bancorp has higher upside potential than Evans Bancorp, analysts believe Old Second Bancorp is more attractive than Evans Bancorp.

Old Second Bancorp has a beta of 1.078, which suggesting that the stock is 7.83% more volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.922, suggesting its less volatile than the S&P 500 by 7.751%.

Old Second Bancorp has a quarterly dividend of $0.06 per share corresponding to a yield of 1.18%. Evans Bancorp offers a yield of 3.03% to investors and pays a quarterly dividend of $0.66 per share. Old Second Bancorp pays 9.75% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Second Bancorp quarterly revenues are $69.7M, which are larger than Evans Bancorp quarterly revenues of $18M. Old Second Bancorp's net income of $23M is higher than Evans Bancorp's net income of $2.9M. Notably, Old Second Bancorp's price-to-earnings ratio is 9.64x while Evans Bancorp's PE ratio is 13.10x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Second Bancorp is 2.95x versus 2.88x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 32.93% compared to Old Second Bancorp's net margin of 27.77%. Old Second Bancorp's return on equity of 14.13% beat Park National's return on equity of 11.8%.

Old Second Bancorp has a consensus price target of $21.33, signalling upside risk potential of 19.58%. On the other hand Park National has an analysts' consensus of -- which suggests that it could grow by 3.97%. Given that Old Second Bancorp has higher upside potential than Park National, analysts believe Old Second Bancorp is more attractive than Park National.

Old Second Bancorp has a beta of 1.078, which suggesting that the stock is 7.83% more volatile than S&P 500. In comparison Park National has a beta of 0.718, suggesting its less volatile than the S&P 500 by 28.154%.

Old Second Bancorp has a quarterly dividend of $0.06 per share corresponding to a yield of 1.18%. Park National offers a yield of 2.44% to investors and pays a quarterly dividend of $1.56 per share. Old Second Bancorp pays 9.75% of its earnings as a dividend. Park National pays out 54.41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Second Bancorp quarterly revenues are $69.7M, which are smaller than Park National quarterly revenues of $137.6M. Old Second Bancorp's net income of $23M is lower than Park National's net income of $38.2M. Notably, Old Second Bancorp's price-to-earnings ratio is 9.64x while Park National's PE ratio is 20.60x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Second Bancorp is 2.95x versus 5.69x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 32.93% compared to Old Second Bancorp's net margin of 24.66%. Old Second Bancorp's return on equity of 14.13% beat Tompkins Financial's return on equity of 9.88%.

Old Second Bancorp has a consensus price target of $21.33, signalling upside risk potential of 19.58%. On the other hand Tompkins Financial has an analysts' consensus of -- which suggests that it could grow by 22.11%. Given that Tompkins Financial has higher upside potential than Old Second Bancorp, analysts believe Tompkins Financial is more attractive than Old Second Bancorp.

Old Second Bancorp has a beta of 1.078, which suggesting that the stock is 7.83% more volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.720, suggesting its less volatile than the S&P 500 by 28.046%.

Old Second Bancorp has a quarterly dividend of $0.06 per share corresponding to a yield of 1.18%. Tompkins Financial offers a yield of 3.59% to investors and pays a quarterly dividend of $0.62 per share. Old Second Bancorp pays 9.75% of its earnings as a dividend. Tompkins Financial pays out 363.09% of its earnings as a dividend. Old Second Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Tompkins Financial's is not.

Old Second Bancorp quarterly revenues are $69.7M, which are smaller than Tompkins Financial quarterly revenues of $75.6M. Old Second Bancorp's net income of $23M is higher than Tompkins Financial's net income of $18.6M. Notably, Old Second Bancorp's price-to-earnings ratio is 9.64x while Tompkins Financial's PE ratio is 14.68x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Second Bancorp is 2.95x versus 3.35x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.