19.84 USD
-0.14 (-0.7%)
At close: Jan 30, 2026
19.84 USD
0 (0%)
After Hours: 1/30/2026, 8:11:55 PM
We assign a fundamental rating of 3 out of 10 to OSBC. OSBC was compared to 383 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. OSBC has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- OSBC had positive earnings in the past year.
- In the past year OSBC had a positive cash flow from operations.
- OSBC had positive earnings in 4 of the past 5 years.
- Of the past 5 years OSBC 4 years had a positive operating cash flow.
1.2 Ratios
- OSBC's Return On Assets of 1.01% is fine compared to the rest of the industry. OSBC outperforms 61.36% of its industry peers.
- OSBC has a Return On Equity (8.15%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.15% | ||
| ROIC | N/A |
ROA(3y)1.42%
ROA(5y)1.1%
ROE(3y)14.4%
ROE(5y)11.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- OSBC has a Profit Margin (22.26%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of OSBC has remained more or less at the same level.
- 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) | 22.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.64%
PM growth 5Y0.05%
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.
- OSBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- OSBC has a debt to FCF ratio of 1.29. This is a very positive value and a sign of high solvency as it would only need 1.29 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.29, OSBC is in line with its industry, outperforming 59.27% of the companies in the same industry.
- OSBC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of OSBC (0.14) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for OSBC have decreased strongly by -12.83% in the last year.
- Measured over the past 5 years, OSBC shows a small growth in Earnings Per Share. The EPS has been growing by 6.86% on average per year.
EPS 1Y (TTM)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%38.36%
3.2 Future
- OSBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.41% yearly.
- Based on estimates for the next years, OSBC will show a small growth in Revenue. The Revenue will grow by 7.62% on average per year.
EPS Next Y34.62%
EPS Next 2Y18.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.3%
Revenue Next 2Y7.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- OSBC is valuated correctly with a Price/Earnings ratio of 12.17.
- Compared to the rest of the industry, the Price/Earnings ratio of OSBC is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (28.32), we can say OSBC is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.04 indicates a reasonable valuation of OSBC.
- Based on the Price/Forward Earnings ratio, OSBC is valued cheaper than 81.46% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. OSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.17 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
- OSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 63.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- OSBC's earnings are expected to grow with 18.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)1.78
EPS Next 2Y18.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- OSBC has a Yearly Dividend Yield of 1.40%. Purely for dividend investing, there may be better candidates out there.
- OSBC's Dividend Yield is slightly below the industry average, which is at 2.67.
- OSBC's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
- The dividend of OSBC is nicely growing with an annual growth rate of 39.21%!
- 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)39.21%
Div Incr Years1
Div Non Decr Years8
5.3 Sustainability
- OSBC pays out 15.92% of its income as dividend. This is a sustainable payout ratio.
- OSBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.92%
EPS Next 2Y18.41%
EPS Next 3YN/A
OLD SECOND BANCORP INC / OSBC FAQ
What is the fundamental rating for OSBC stock?
ChartMill assigns a fundamental rating of 3 / 10 to OSBC.
Can you provide the valuation status for OLD SECOND BANCORP INC?
ChartMill assigns a valuation rating of 6 / 10 to OLD SECOND BANCORP INC (OSBC). This can be considered as Fairly Valued.
What is the profitability of OSBC stock?
OLD SECOND BANCORP INC (OSBC) has a profitability rating of 3 / 10.
What is the valuation of OLD SECOND BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for OLD SECOND BANCORP INC (OSBC) is 12.17 and the Price/Book (PB) ratio is 1.21.
What is the financial health of OLD SECOND BANCORP INC (OSBC) stock?
The financial health rating of OLD SECOND BANCORP INC (OSBC) is 2 / 10.