GS
The Goldman Sachs Group, Inc.
GS has the edge over OSBC overall, supported by stronger valuation.
OSBC
Old Second Bancorp, Inc.
OSBC has slightly lower modeled downside risk, despite its lower overall score.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
OSBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
OSBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OSBC.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
OSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.4x | $15.56 | -38% |
| Fair | 9.8x | $20.78 | -17% |
| Forward | 11x | $25.11 | — |
| Current | 12x | $25.11 | — |
| Expensive | 14x | $30.07 | +20% |
Historical ranges are pointers, not guarantees.
OSBC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
OSBC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect OSBC's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over OSBC on earnings, with more consistent year-over-year improvement.
OSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.32 | +10% |
| Q3 2026 | $2.11 | +40% |
| Q2 2026 | $1.73 | -5.5% |
| Q1 2026 | $1.67 | -8.7% |
| Q4 2025 | $1.62 | -13% |
| Q3 2025 | $1.51 | -18% |
| Q2 2025 | $1.83 | -3.2% |
| Q1 2025 | $1.83 | -7.1% |
| Q4 2024 | $1.87 | -7.4% |
OSBC earned $2.11 per share over the past year, up 40% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
OSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $97.1M | +1.3% |
| Q2 2026 | $96.6M | +29% |
| Q1 2026 | $93.8M | +28% |
| Q4 2025 | $95.2M | +30% |
| Q3 2025 | $95.9M | +35% |
| Q2 2025 | $75.1M | +6.1% |
| Q1 2025 | $73.1M | +4% |
| Q4 2024 | $73.2M | +4.6% |
OSBC has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +26 points |
| Q2 2026 | 39% | +0.3 points |
| Q1 2026 | 36% | +0.5 points |
| Q4 2025 | 41% | +6.6 points |
| Q3 2025 | 14% | -28 points |
| Q2 2025 | 39% | -2.3 points |
| Q1 2025 | 36% | -4.8 points |
| Q4 2024 | 35% | -1 points |
OSBC has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
OSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.2M | +85% |
| Q2 2026 | $27.9M | +19% |
| Q1 2026 | $36.2M | +123% |
| Q4 2025 | $43.4M | +98% |
| Q3 2025 | $34.7M | -25% |
| Q2 2025 | $23.5M | +167% |
| Q1 2025 | $16.2M | -63% |
| Q4 2024 | $21.8M | -12% |
OSBC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
OSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.9% | -975K shares |
| 1 year | -4.4% | -2.4M shares |
| 3 years | +13% | +5.7M shares |
| 5 years | +74% | +21.8M shares |
| Available history | +68% | +20.7M shares |
OSBC has 51M diluted shares, down 4.4% from a year ago, with $80M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $39.5M |
| Q2 2026 | $15.8M |
| Q1 2026 | $24.5M |
| Q4 2025 | $36,000 |
| Q3 2025 | $5.9M |
| Q2 2025 | $62,000 |
| Q1 2025 | $1.4M |
| Q4 2024 | $257,000 |
OSBC spent $80M buying back its own shares over the past year, more than ten times what it spent the year before.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over OSBC on leverage, with a lower net debt burden relative to earnings.
OSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Moderate |
| Q2 2026 | 2.0x | Moderate |
| Q1 2026 | 1.2x | Healthy |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
OSBC's net debt is about 2.0 years of its operating earnings (EBITDA), up from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OSBC.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
OSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.4 | Neutral |
| Stochastic | 38.5 | Neutral |
OSBC's weekly RSI is 61 (neutral) and its Stochastic is 39 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
OSBC PE vs Financial Services Sector
| Metric | OSBC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.6% below |
| PE % | 71 | 63 | 8 pts above |
OSBC has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
OSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.7 | 1.7% above |
| 20 week MA | $24.8 | 1.5% above |
| 50 week MA | $22.3 | 13% above |
| 100 week MA | $19.9 | 26% above |
| 200 week MA | $17.4 | 45% above |
OSBC has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
OSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.5 | $9.97 | -26% |
| 2021 | $9.97 | $12.6 | +27% |
| 2022 | $12.6 | $16.6 | +31% |
| 2023 | $16.6 | $15.4 | -7% |
| 2024 | $15.4 | $17.8 | +16% |
| 2025 | $17.8 | $19.9 | +12% |
| 2026 YTD | $19.9 | $25.1 | +26% |
OSBC has the edge over GS on returns for 2026, with the stronger performance.