Old Second Bancorp Inc (OSBC)vsU.S. Bancorp (USB)
OSBC
Old Second Bancorp Inc
$19.61
-0.66%
FINANCIAL SERVICES · Cap: $1.04B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 8365% more annual revenue ($26.35B vs $311.34M). USB leads profitability with a 28.7% profit margin vs 25.8%. OSBC appears more attractively valued with a PEG of 1.51. OSBC earns a higher WallStSmart Score of 78/100 (B+).
OSBC
Strong Buy78
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.1%
Fair Value
$75.82
Current Price
$19.61
$56.21 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 44.8%
Revenue surging 32.3% year-over-year
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
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
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.8% and operating margin at 44.8%. Revenue growth of 32.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OSBC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
OSBC is growing revenue faster at 32.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (78/100 vs 75/100), backed by strong 25.8% margins and 32.3% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Strong Buy" and "Strong 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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