OLD SECOND BANCORP INC (OSBC)
US6802771005 - Common Stock
OSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year OSBC was profitable.
OSBC had a positive operating cash flow in the past year.
In the past 5 years OSBC has always been profitable.
OSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.60%, OSBC belongs to the top of the industry, outperforming 91.48% of the companies in the same industry.
OSBC's Return On Equity of 15.89% is amongst the best of the industry. OSBC outperforms 91.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.6% | ||
| ROE | 15.89% | ||
| ROIC | N/A |
ROA(3y)1.02%
ROA(5y)1.1%
ROE(3y)11.5%
ROE(5y)11.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 32.06%, OSBC belongs to the best of the industry, outperforming 82.97% of the companies in the same industry.
In the last couple of years the Profit Margin of OSBC has grown nicely.
The Operating Margin and Gross Margin are not available for OSBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.06% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.25%
PM growth 5Y2.89%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OSBC has been increased compared to 1 year ago.
Compared to 5 years ago, OSBC has more shares outstanding
Compared to 1 year ago, OSBC has a worse debt to assets ratio.
2.2 Solvency
OSBC has a debt to FCF ratio of 4.97. This is a neutral value as OSBC would need 4.97 years to pay back of all of its debts.
OSBC's Debt to FCF ratio of 4.97 is on the low side compared to the rest of the industry. OSBC is outperformed by 67.40% of its industry peers.
OSBC has a Debt/Equity ratio of 0.89. This is a neutral value indicating OSBC is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.89, OSBC is doing worse than 82.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | 4.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.57%, which is quite impressive.
Measured over the past years, OSBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.52% on average per year.
The Revenue has grown by 14.78% in the past year. This is quite good.
Measured over the past years, OSBC shows a quite strong growth in Revenue. The Revenue has been growing by 18.53% on average per year.
EPS 1Y (TTM)35.57%
EPS 3Y19.97%
EPS 5Y12.52%
EPS growth Q2Q-23.08%
Revenue 1Y (TTM)14.78%
Revenue growth 3Y30.31%
Revenue growth 5Y18.53%
Revenue growth Q2Q-4.21%
3.2 Future
The Earnings Per Share is expected to decrease by -4.05% on average over the next years.
Based on estimates for the next years, OSBC will show a decrease in Revenue. The Revenue will decrease by -2.35% on average per year.
EPS Next Y-4.51%
EPS Next 2Y-4.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.66%
Revenue Next 2Y-2.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.04 indicates a rather cheap valuation of OSBC.
OSBC's Price/Earnings ratio is rather cheap when compared to the industry. OSBC is cheaper than 85.89% of the companies in the same industry.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.25.
OSBC is valuated cheaply with a Price/Forward Earnings ratio of 7.38.
Based on the Price/Forward Earnings ratio, OSBC is valued cheaper than 86.62% of the companies in the same industry.
OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.67.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.04 | ||
| Fwd PE | 7.38 |
4.2 Price Multiples
78.10% of the companies in the same industry are more expensive than OSBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as OSBC's earnings are expected to decrease with -4.05% in the coming years.
PEG (NY)N/A
PEG (5Y)0.56
EPS Next 2Y-4.05%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.38%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.38, OSBC pays less dividend than the industry average, which is at 3.89. 81.02% of the companies listed in the same industry pay a better dividend than OSBC!
With a Dividend Yield of 1.38, OSBC pays less dividend than the S&P500 average, which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
5.2 History
The dividend of OSBC is nicely growing with an annual growth rate of 37.96%!
OSBC has paid a dividend for at least 10 years, which is a reliable track record.
OSBC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)37.96%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
OSBC pays out 9.75% of its income as dividend. This is a sustainable payout ratio.
DP9.75%
EPS Next 2Y-4.05%
EPS Next 3YN/A
OLD SECOND BANCORP INC
NASDAQ:OSBC (4/25/2024, 9:00:05 AM)
14.23
-0.27 (-1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap637.50M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.04 | ||
| Fwd PE | 7.38 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.6% | ||
| ROE | 15.89% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.06% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)35.57%
EPS 3Y19.97%
EPS 5Y
EPS growth Q2Q
EPS Next Y-4.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)14.78%
Revenue growth 3Y30.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y