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FPF vs OSBC

FPF
First Trust Intermediate Duration Preferred & Income Fund
BEARISH
Price
$18.44
Market Cap
$1.12B
Sector
Financial Services
AI Confidence
85%
OSBC
Old Second Bancorp, Inc.
NEUTRAL
Price
$21.37
Market Cap
$1.13B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FPF
9.36
OSBC
13.19
Forward P/E
FPF
--
OSBC
9.27
P/B Ratio
FPF
--
OSBC
1.26
P/S Ratio
FPF
--
OSBC
3.62
EV/EBITDA
FPF
--
OSBC
--

Profitability

Gross Margin
FPF
0.0%
OSBC
0.0%
Operating Margin
FPF
0.0%
OSBC
44.8%
Profit Margin
FPF
0.0%
OSBC
25.8%
ROE
FPF
--
OSBC
10.24%
ROA
FPF
--
OSBC
1.28%

Growth

Revenue Growth
FPF
--
OSBC
32.3%
Earnings Growth
FPF
--
OSBC
29.9%

Financial Health

Debt/Equity
FPF
--
OSBC
--
Current Ratio
FPF
--
OSBC
--
Quick Ratio
FPF
--
OSBC
--

Dividends

Dividend Yield
FPF
8.95%
OSBC
1.22%
Payout Ratio
FPF
83.76%
OSBC
15.43%

AI Verdict

FPF BEARISH

The deterministic health profile is critically weak, headlined by a Piotroski F-Score of 1/9, indicating severe fundamental deterioration or structural misalignment with corporate health metrics. FPF is currently trading at a significant premium ($18.44) relative to its calculated intrinsic value of $13.79. This valuation gap, combined with a 0/100 technical trend and a high payout ratio of 83.76%, suggests the fund is overvalued and facing negative momentum despite its attractive dividend yield.

Strengths
Strong dividend yield of 8.95%
Positive long-term price performance (3Y Change: +58.3%)
Low P/E ratio (9.36) compared to the financial services sector average (38.44)
Risks
Critically low Piotroski F-Score (1/9) indicating poor financial health
Trading at a ~33% premium to its intrinsic value ($13.79)
Bearish technical trend (0/100) suggesting immediate downward pressure
OSBC NEUTRAL

OSBC presents a dichotomy between strong fundamental growth and bearish sentiment indicators. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and trades at a significant discount to both its Graham Number ($24.68) and Intrinsic Value ($46.91). While YoY revenue and earnings growth exceed 30%, the outlook is tempered by heavy insider selling and a very weak technical trend (10/100). The recent acquisition of Bancorp Financial suggests an expansionary phase, but geographic concentration in Illinois remains a systemic risk.

Strengths
Strong growth profile with YoY revenue growth of 32.30% and earnings growth of 29.90%
Attractive valuation trading below the Graham Number ($24.68) and Intrinsic Value ($46.91)
Consistent earnings performance with 3 out of the last 4 quarters beating estimates
Risks
Heavy insider selling with 8 sell transactions totaling $2.85M and zero buys
Severe geographic concentration in the Chicago metropolitan area and Illinois fiscal instability
Bearish technical trend (10/100) indicating strong downward price momentum

Compare Another Pair

FPF vs OSBC: Head-to-Head Comparison

This page compares First Trust Intermediate Duration Preferred & Income Fund (FPF) and Old Second Bancorp, Inc. (OSBC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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