OSBC vs UVSP: stock comparison and AI forecast
Old Second Bancorp Inc (OSBC) and Univest Financial Corp (UVSP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
OSBC Old Second Bancorp Inc
- Market Cap
- $1.24B
- P/E Ratio
- 9.6x
- Size
- small-cap
- AI Forecast
UVSP Univest Financial Corp
- Market Cap
- $1.11B
- P/E Ratio
- 12.8x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- OSBC is 1.1 times larger than UVSP by market capitalization ($1.24B against $1.11B).
- OSBC trades at 9.6 times trailing earnings, UVSP at 12.8 times.
- OSBC turns 31.3% of its revenue into net income, against 27.2% for UVSP.
- UVSP carries 8.07 times debt per unit of equity, against 6.72 times for OSBC.
- UVSP yields 2.30% in dividends and OSBC 1.18%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | OSBC | UVSP |
|---|---|---|
| Market Cap | $1.24B | $1.11B |
| P/E Ratio | 9.59x | 12.79x |
| P/B Ratio | 1.41x | 1.17x |
| Dividend Yield | 1.18% | 2.30% |
| EPS | $2.54 | $3.15 |
| Book Value/Share | $17.27 | $34.41 |
| Revenue/Share | $7.00 | $12.56 |
| FCF/Share | $3.37 | $4.46 |
Profitability & Margins
| Metric | OSBC | UVSP |
|---|---|---|
| ROE | 12.7% | 9.9% |
| ROA | 1.6% | 1.1% |
| Net Margin | 31.3% | 27.2% |
| EBT Margin | 42.1% | 34.0% |
| Tax Rate | 25.6% | 19.9% |
Financial Health
| Metric | OSBC | UVSP |
|---|---|---|
| D/E Ratio | 6.72x | 8.07x |
| Financial Leverage | 7.72x | 9.07x |
Cash Flow
| Metric | OSBC | UVSP |
|---|---|---|
| Operating Cash Flow | $175M | $123M |
| Free Cash Flow | $172M | $123M |
| Capital Spending | -$3M | -$190K |
| OCF Growth YoY | 71.1% | 24.6% |
| FCF Growth YoY | 78.3% | 35.1% |
| FCF/Sales | 48.2% | 35.5% |
| CapEx/Sales | 0.8% | 0.1% |
Operational Efficiency
| Metric | OSBC | UVSP |
|---|---|---|
| Asset Turnover | 0.05x | 0.04x |
| Fixed Assets Turnover | 4.3x | 7.8x |
Income Statement
| Metric | OSBC | UVSP |
|---|---|---|
| Total Revenue | $356M | $346M |
| Net Income | $111M | $94M |
Dividend & Shareholder Information
| Metric | OSBC | UVSP |
|---|---|---|
| Dividends Per Share | $0.29 | $0.93 |
| Payout Ratio | 11.4% | 29.5% |
| Shares Outstanding | 51M | 28M |
| Net Income Growth | 57.9% | 8.5% |
| EPS Growth | 63.9% | 8.2% |
OSBC vs UVSP: stock comparison and AI forecast
Which is bigger, OSBC or UVSP?
OSBC is 1.1 times larger than UVSP by market capitalization ($1.24B against $1.11B).
Which is cheaper on earnings, OSBC or UVSP?
OSBC trades at 9.6 times trailing earnings, UVSP at 12.8 times.
Which one does Intratio's AI model rank higher, OSBC or UVSP?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.