Financial Analysis: Old Second Bancorp (NASDAQ: OSBC) and Southern States Shares (NASDAQ: SSBK)


Old Second Bancorp (NASDAQ: OSBCGet a Score) and shares of southern states (NASDAQ: SSBKGet a Score) are both small capitalization companies, but what is the top investment? We will compare the two companies based on the strength of profitability, profits, institutional ownership, valuation, risk, analysts’ recommendations and their dividends.

Profits & Valuation

This table compares the gross income, earnings per share and valuation of Old Second Bancorp and Southern States Bancshares.

Gross income Price / sales ratio Net income earnings per share Price / profit ratio
Old Second Bancorp $ 144.45 million 4.33 $ 20.04 million $ 0.73 19.29
Southern States Shares $ 68.58 million 2.96 $ 18.57 million N / A N / A

Old Second Bancorp has higher revenue and profits than Southern States Bancshares.

Analyst Evaluations

This is a summary of current recommendations and pricing targets for Old Second Bancorp and Southern Bancshares as provided by MarketBeat.com.

Sales ratings Keep ratings Buy Ratings Strong market ratings Evaluation score
Old Second Bancorp 0 0 1 1 3.50
Southern States Shares 0 0 2 0 3.00

Old Second Bancorp currently has a consensus target price of $ 19.00, indicating a possible upward trend of 34.94%. Southern States Bancshares has a consensus target price of $ 23.50, indicating a possible uptrend of 1.29%. Given Old Second Bancorp’s strong consensus rating and the highest possible rise, research analysts clearly believe that Old Second Bancorp is more favorable than Southern States Bancshares.

Profitability

This table compares the net profit margins, return on equity and return on assets of Old Second Bancorp and Southern States Bancshares.

Net Margins Return on Equity The return on assets
Old Second Bancorp 13.87% 10.57% 0.96%
Southern States Shares N / A N / A N / A

Institutional and internal ownership

73.5% of Old Second Bancorp shares are held by institutional investors. By comparison, 38.9% of Southern States Bancshares shares are held by institutional investors. 4.7% of Old Second Bancorp shares are privately held. Strong institutional ownership is an indication that big money managers, venture capitalists and donors believe a stock is ready for long-term growth.

Dividends

Old Second Bancorp pays an annual dividend of $ 0.20 per share and has a dividend yield of 1.4%. Southern States Bancshares pays an annual dividend of $ 0.36 per share and has a dividend yield of 1.6%. Old Second Bancorp pays 27.4% of its profits in the form of a dividend. Old Second Bancorp increased its dividend for 1 consecutive year.

Summary

Old Second Bancorp beats Southern States Bancshares on 12 of the 15 factors compared to the two shares.

About Old Second Bancorp (Get a Score)

Old Second Bancorp, Inc. operates as the portfolio bank for Old Second National Bank providing community banking services. Provides demand, NOW, money market, savings, time deposits, individual retirement and current accounts, as well as deposit account certificates. The company also offers commercial loans. Leasing requirements · Commercial real estate loans · Construction loans · Real estate mortgages such as first and second home mortgages · Housing equity line of credit. consumer loans, including motor vehicle loans, home improvement and signature loans; installments and agricultural loans; home mortgages; and overdraft control. In addition, it provides secure deposit services. trust and wealth management services; and money orders, cashier’s checks, foreign currency, direct deposits, discount brokers, debit and credit cards and other services, and acquires US government bonds and bonds. In addition, the company offers online and mobile banking. Cash management products, including remote and mobile deposit capture, investment scan accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox accounts, automated transaction clearing and general information Reports, bank transfers abroad and domestic, and treasury services for foreign exchange and coins; and investment, dealerships and custody services for individual, corporate and non-profit clients. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle and Will counties in Illinois. Old Second Bancorp, Inc. was founded in 1981 and is headquartered in Aurora, Illinois.

About the shares of the southern states (Get a Score)

Southern States Bancshares, Inc. operates as the portfolio bank for Southern States Bank providing community banking services to businesses and individuals. It offers various deposit products such as NOW, savings bank, money market and interest free demand accounts. certificates of deposit? and time deposits. The company also provides real estate lending products, which include loans for real estate construction and development, residential mortgages and commercial real estate mortgages. commercial and industrial loans; and direct consumer loans with installments, overdrafts and other recyclable loans. In addition, it offers online and mobile banking, as well as ATM services. The company operates 15 offices in Alabama and Georgia. Southern States Bancshares, Inc. was founded in 2007 and is headquartered in Anniston, Alabama.



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