` Comparison: OSBC vs TFC - Alpha Spread
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OSBC
vs
TFC

Over the past 12 months, OSBC has underperformed TFC, delivering a return of +9% compared to the TFC's +16% growth.

Valuation Growth Profitability Solvency Stocks Performance
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OSBC
TFC
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Stocks Compared:
OSBC TFC
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Valuation Comparison

OSBC Intrinsic Value
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TFC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Old Second Bancorp Inc
NASDAQ:OSBC
20.79 USD
Truist Financial Corp
NYSE:TFC
55.06 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
OSBC, TFC

OSBC
TFC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Old Second Bancorp Inc
Revenue
Truist Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
OSBC, TFC

OSBC
TFC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Old Second Bancorp Inc
NASDAQ:OSBC
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

OSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Old Second Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

OSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Old Second Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

OSBC
22.3%
TFC
24.5%

FCF Margin

OSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Old Second Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

OSBC
9.2%
TFC
7.7%

ROA

OSBC
1.1%
TFC
0.9%

ROIC

OSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Old Second Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

OSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Old Second Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Old Second Bancorp Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
OSBC, TFC

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OSBC
TFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
OSBC, TFC

Performance Gap Between OSBC and TFC
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Performance By Year
OSBC, TFC

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OSBC
TFC
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