Old Second Bancorp Inc (OSBC)vsRoyal Bank of Canada (RY)
OSBC
Old Second Bancorp Inc
$25.58
+0.20%
FINANCIAL SERVICES · Cap: $1.31B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 19571% more annual revenue ($67.15B vs $341.37M). RY leads profitability with a 33.9% profit margin vs 27.1%. OSBC appears more attractively valued with a PEG of 1.51. OSBC earns a higher WallStSmart Score of 74/100 (B).
OSBC
Strong Buy74
out of 100
Grade: B
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 44.7%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 22.7% year-over-year
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.1% and operating margin at 44.7%. Revenue growth of 22.7% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
OSBC profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
OSBC is growing revenue faster at 22.7% — sustainability is the question.
OSBC generates stronger free cash flow (28M), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (74/100 vs 63/100), backed by strong 27.1% margins and 22.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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