Old Second Bancorp Inc (OSBC)vsRoyal Bank of Canada (RY)
OSBC
Old Second Bancorp Inc
$20.79
+0.87%
FINANCIAL SERVICES · Cap: $1.07B
RY
Royal Bank of Canada
$179.54
-0.24%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 19420% more annual revenue ($63.42B vs $324.91M). RY leads profitability with a 33.1% profit margin vs 26.5%. OSBC appears more attractively valued with a PEG of 1.51. OSBC earns a higher WallStSmart Score of 72/100 (B).
OSBC
Strong Buy72
out of 100
Grade: B
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 42.5%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
19.2% revenue growth
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.5% and operating margin at 42.5%. Revenue growth of 19.2% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
OSBC profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
OSBC is growing revenue faster at 19.2% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (72/100 vs 68/100), backed by strong 26.5% margins and 19.2% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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