Bridge Capital Holdings (NASDAQ: BBNK) and Old Second Bancorp (NASDAQ:OSBC) are both financials companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, profitability, analyst recommendations, institutional ownership, earnings, valuation and dividends.

Analyst Ratings

This is a summary of current ratings and recommmendations for Bridge Capital Holdings and Old Second Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bridge Capital Holdings 0 0 0 0 N/A
Old Second Bancorp 0 2 0 0 2.00

Old Second Bancorp has a consensus price target of $12.25, suggesting a potential downside of 8.58%. Given Old Second Bancorp’s higher probable upside, analysts clearly believe Old Second Bancorp is more favorable than Bridge Capital Holdings.

Dividends

Old Second Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Bridge Capital Holdings does not pay a dividend. Old Second Bancorp pays out 6.5% of its earnings in the form of a dividend.

Earnings and Valuation

This table compares Bridge Capital Holdings and Old Second Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Bridge Capital Holdings N/A N/A N/A N/A N/A
Old Second Bancorp $97.41 million 4.08 $18.37 million $0.62 21.61

Old Second Bancorp has higher revenue and earnings than Bridge Capital Holdings.

Institutional and Insider Ownership

65.6% of Old Second Bancorp shares are owned by institutional investors. 3.6% of Old Second Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Bridge Capital Holdings and Old Second Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bridge Capital Holdings 16.16% 8.27% 0.85%
Old Second Bancorp 16.82% 10.30% 0.82%

Summary

Old Second Bancorp beats Bridge Capital Holdings on 7 of the 9 factors compared between the two stocks.

About Bridge Capital Holdings

Bridge Capital Holdings is the bank holding company for Bridge Bank, National Association (the Bank). The Bank’s lending solutions include working capital lines of credit, structured finance (asset-based lending and factoring), 7(a) and 504 Small Business Administration (SBA) loans, commercial real estate loans, sustainable energy project financing, growth capital loans, equipment financing, letters of credit and commercial credit cards. The Bank’s depository and corporate banking services include cash and treasury management solutions, interest-bearing term deposit accounts, checking accounts, Automated Clearing House (ACH) payment and wire solutions, fraud protection, remote deposit capture, courier services and online banking. The Bank’s international banking services include foreign exchange (FX payments and hedging), letters of credit, and import and export financing. The Bank provides banking services to businesses located across the San Francisco Bay Area.

About Old Second Bancorp

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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