Amalgamated Financial vs OLD Second Bancorp
Amalgamated Financial and OLD Second Bancorp are similar in size: $329m and $339m of revenue in their latest fiscal years. OLD Second Bancorp grew faster (18.9% against 4.1%). Amalgamated Financial kept more of each dollar of sales as profit: a net margin of 31.8% against 23.7%.
| Latest fiscal year | Amalgamated FinancialAMAL, 2025 | OLD Second BancorpOSBC, 2025 |
|---|---|---|
| Revenue | $329m | $339m |
| Revenue growth | 4.1% | 18.9% |
| Net income | $104m | $80.3m |
| Operating margin | — | — |
| Net margin | 31.8% | 23.7% |
| Return on equity | 13.9% | 10.2% |
| Free cash flow | $134m | $118m |
| Cash | $291m | $124m |
| Total debt | $0 | $339m |
| Debt to equity | — | — |
| Dividend per share | — | $0.25 |
| Dividend yield | 1.3% | 1.1% |
| Share buybacks | $32.3m | $7.4m |
| Employees | 450 | — |
| Market value | $1.49bn | $1.27bn |
| Price vs our value range | — | — |
| Moat score | 81 (Strong) | 65 (Moderate) |
| Insider trades, 12 months | 0 buys, 57 sales | 1 buys, 20 sales |