Mountain Comm Banc (OTCMKTS: MCBI) and Old Second Bancorp (NASDAQ:OSBC) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, earnings, risk and valuation.
Insider & Institutional Ownership
68.3% of Old Second Bancorp shares are owned by institutional investors. 3.2% of Old Second Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
This table compares Mountain Comm Banc and Old Second Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Mountain Comm Banc||N/A||N/A||N/A||N/A||N/A|
|Old Second Bancorp||$101.95 million||3.98||$15.68 million||$0.75||18.27|
Old Second Bancorp has higher revenue and earnings than Mountain Comm Banc.
This is a summary of recent ratings and recommmendations for Mountain Comm Banc and Old Second Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Mountain Comm Banc||0||0||0||0||N/A|
|Old Second Bancorp||0||2||1||0||2.33|
Old Second Bancorp has a consensus price target of $12.25, indicating a potential downside of 10.58%. Given Old Second Bancorp’s higher probable upside, analysts clearly believe Old Second Bancorp is more favorable than Mountain Comm Banc.
This table compares Mountain Comm Banc and Old Second Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Mountain Comm Banc||N/A||N/A||N/A|
|Old Second Bancorp||19.91%||12.34%||0.99%|
Old Second Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Mountain Comm Banc does not pay a dividend. Old Second Bancorp pays out 5.3% of its earnings in the form of a dividend.
Old Second Bancorp beats Mountain Comm Banc on 9 of the 10 factors compared between the two stocks.
Mountain Comm Banc Company Profile
MetroCorp Bancshares, Inc. is a holding company for MetroBank, National Association (MetroBank). The Company operates branches in niche markets through its subsidiary banks, MetroBank and Metro United Bank, by providing personalized service to the communities in Houston, Dallas, San Diego, Los Angeles, and San Francisco metropolitan areas. The primary lending focus of the Company is to small and medium-sized businesses in a variety of industries. The types of deposits vary from noninterest-bearing demand deposit transaction accounts to interest-bearing negotiable order of withdrawal (NOW) and money market transaction accounts, savings accounts, and various termed time deposits such as certificates of deposit (CD’s) and individual retirement accounts (IRA’s). The primary lending focus of the Company is to small and medium-sized businesses in a variety of industries. In January 2014, East West Bancorp Inc completed the acquisition of MetroCorp Bancshares Inc.
Old Second Bancorp Company Profile
Old Second Bancorp, Inc. is a bank holding company. The Company conducts a full service community banking and trust business through its subsidiaries, including Old Second National Bank (the Bank), Old Second Capital Trust I, Old Second Capital Trust II and Old Second Affordable Housing Fund, L.L.C. The Bank’s full service banking businesses include the customary consumer and commercial products and services that banking institutions provide, including demand, negotiable order of withdrawal, money market and individual retirement accounts; commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit and overdraft checking; safe deposit operations, and a range of additional services tailored to the needs of individual customers, such as the acquisition of the United States Treasury notes and bonds, money orders, cashiers’ checks and foreign currency, direct deposit, debit cards, credit cards and other special services.
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