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OSBC vs PEBO

OSBC
Old Second Bancorp, Inc.
BULLISH
Price
$21.67
Market Cap
$1.14B
Sector
Financial Services
AI Confidence
75%
PEBO
Peoples Bancorp Inc.
NEUTRAL
Price
$33.66
Market Cap
$1.21B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
OSBC
13.29
PEBO
11.26
Forward P/E
OSBC
9.4
PEBO
9.48
P/B Ratio
OSBC
1.27
PEBO
0.97
P/S Ratio
OSBC
3.67
PEBO
2.9
EV/EBITDA
OSBC
--
PEBO
--

Profitability

Gross Margin
OSBC
0.0%
PEBO
0.0%
Operating Margin
OSBC
44.8%
PEBO
38.01%
Profit Margin
OSBC
25.8%
PEBO
25.6%
ROE
OSBC
10.24%
PEBO
9.21%
ROA
OSBC
1.28%
PEBO
1.13%

Growth

Revenue Growth
OSBC
32.3%
PEBO
3.7%
Earnings Growth
OSBC
29.9%
PEBO
17.0%

Financial Health

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

Dividends

Dividend Yield
OSBC
1.2%
PEBO
4.87%
Payout Ratio
OSBC
15.43%
PEBO
54.52%

AI Verdict

OSBC BULLISH

OSBC presents a compelling value opportunity, trading significantly below its Graham Number ($24.99) and Intrinsic Value ($48.08). The company maintains a stable Piotroski F-Score of 4/9 and demonstrates exceptional growth with YoY revenue and earnings increases exceeding 29%. While the technical trend score is bearish and insider selling is prominent, the fundamental valuation and consistent earnings beat track record suggest strong underlying performance.

Strengths
Strong YoY revenue growth of 32.30%
Impressive earnings growth of 29.90% YoY
Attractive valuation with a Forward P/E of 9.40
Risks
Significant insider selling totaling $2.85M in the last 6 months
Low dividend strength (25/100) and yield (1.20%)
Bearish technical trend score (10/100)
PEBO NEUTRAL

PEBO presents a classic value disconnect, trading significantly below its Graham Number ($48.2) and Intrinsic Value ($88.21). While the Piotroski F-Score of 4/9 indicates stable financial health and the dividend yield of 4.87% is attractive, the stock is currently plagued by a bearish technical trend (10/100) and negative insider sentiment. Strong earnings growth (17% YoY) is offset by sluggish top-line revenue growth. Overall, it is a fundamentally sound regional bank trading at a discount, but it lacks an immediate bullish catalyst.

Strengths
Trading below book value (P/B 0.97)
Strong earnings growth (17% YoY)
Attractive dividend yield (4.87%) with a sustainable payout ratio (54.52%)
Risks
Bearish insider activity with recent sales by directors and general counsel
Extremely weak technical trend (10/100) suggesting strong selling pressure
Slow top-line revenue growth (3.7% YoY) compared to earnings

Compare Another Pair

OSBC vs PEBO: Head-to-Head Comparison

This page compares Old Second Bancorp, Inc. (OSBC) and Peoples Bancorp Inc. (PEBO) 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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