Old Second Bancorp (NASDAQ:OSBC) vs. FB Bancorp (NASDAQ:FBLA) Head to Head Comparison

Old Second Bancorp (NASDAQ:OSBC) and FB Bancorp (NASDAQ:FBLA) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, dividends, risk, institutional ownership, valuation, earnings and analyst recommendations.

Analyst Ratings

This is a breakdown of current recommendations for Old Second Bancorp and FB Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Second Bancorp	0	2	3	1	2.83
FB Bancorp	0	1	0	0	2.00

Old Second Bancorp currently has a consensus target price of $26.75, indicating a potential upside of 7.99%. Given Old Second Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Old Second Bancorp is more favorable than FB Bancorp.

Institutional & Insider Ownership

67.8% of Old Second Bancorp shares are held by institutional investors. 3.6% of Old Second Bancorp shares are held by insiders. Comparatively, 3.8% of FB Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Old Second Bancorp and FB Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Second Bancorp	$401.54 million	3.14	$80.31 million	$2.12	11.68
FB Bancorp	$69.94 million	3.92	$1.25 million	($0.01)	-1,717.00

Old Second Bancorp has higher revenue and earnings than FB Bancorp. FB Bancorp is trading at a lower price-to-earnings ratio than Old Second Bancorp, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Old Second Bancorp has a beta of 0.77, meaning that its stock price is 23% less volatile than the S&P 500. Comparatively, FB Bancorp has a beta of -0.1, meaning that its stock price is 110% less volatile than the S&P 500.

Profitability

This table compares Old Second Bancorp and FB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Second Bancorp	24.50%	12.69%	1.66%
FB Bancorp	-0.36%	0.91%	0.22%

Summary

Old Second Bancorp beats FB Bancorp on 13 of the 15 factors compared between the two stocks.

About Old Second Bancorp

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It offers demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificates of deposit accounts. The company also provides commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. In addition, it offers safe deposit services; trust and wealth management services; and money orders, cashier’s checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. Further, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.

About FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.