Old Second vs Tompkins Financial
This page compares Old Second Bancorp Inc and Tompkins Financial Corp, presenting an objective overview of their business models, financial performance, and market context in clear, accessible terms. Educational content, not financial advice.
This page compares Old Second Bancorp Inc and Tompkins Financial Corp, presenting an objective overview of their business models, financial performance, and market context in clear, accessible terms. ...
Investment Analysis
Old Second
OSBC
Pros
- Recent acquisition of Bancorp Financial expanded Old Second's loan portfolio by $1.19 billion, enhancing market presence and growth potential.
- Net interest margin improved to 5.05% in Q3 2025, reflecting strong asset yield management and a 41 basis point increase year-over-year.
- Operational efficiencies contributed to a $2.0 million net income increase in Q2 2025, supported by increased interest income and reduced noninterest expenses.
Considerations
- Q3 2025 net income of $9.9 million was significantly lower than prior quarters due to acquisition-related adjustments impacting reported earnings.
- Noninterest expenses increased by $5.5 million compared to Q2 2024, pressuring profitability despite income improvements.
- Revenue generation faces ongoing pressure from market and interest rate volatility, posing challenges for consistent earnings growth.
Pros
- Tompkins Financial reported strong trailing twelve months earnings of $84.48 million and a robust net profit margin of 26.66%.
- Diverse business segments including commercial banking, wealth management, insurance, and leasing provide multiple growth drivers and revenue streams.
- Maintains a healthy dividend payment schedule with ex-dividend and payment dates indicating consistent shareholder returns.
Considerations
- Debt-to-equity ratio stands at 67.4%, which could indicate moderate leverage risk relative to equity capital.
- Operating expenses remain high with other expenses totaling $232.44 million on $316.92 million revenue, constraining some profitability gains.
- Limited recent disclosures on earnings catalysts or growth initiatives could pose uncertainty about near-term growth momentum.
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