OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis
USA - NASDAQ:OSBC - US6802771005 - Common Stock
18.08 USD
+0.33 (+1.86%)
18.08 USD
0 (0%)
Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 391 industry peers in the Banks industry. OSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. OSBC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
OSBC had positive earnings in the past year.
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
With an excellent Return On Assets value of 1.47%, OSBC belongs to the best of the industry, outperforming 88.49% of the companies in the same industry.
With an excellent Return On Equity value of 11.65%, OSBC belongs to the best of the industry, outperforming 80.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 11.65% | ||
| 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 better Profit Margin (28.61%) than 76.47% of its industry peers.
In the last couple of years the Profit Margin of OSBC has remained more or less at the same level.
OSBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.61% | ||
| 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.
Compared to 1 year ago, OSBC has more shares outstanding
OSBC has more shares outstanding than it did 5 years ago.
OSBC has a better debt/assets ratio than last year.
2.2 Solvency
OSBC has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
OSBC has a better Debt to FCF ratio (1.23) than 63.68% of its industry peers.
OSBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
OSBC has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.49%
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 by -3.17% in the last year.
OSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.54% yearly.
The Revenue has been growing slightly by 3.03% in the past year.
Measured over the past years, OSBC shows a quite strong growth in Revenue. The Revenue has been growing by 16.57% on average per year.
EPS 1Y (TTM)-3.17%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%0%
Revenue 1Y (TTM)3.03%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%6.09%
3.2 Future
OSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.27% yearly.
Based on estimates for the next years, OSBC will show a quite strong growth in Revenue. The Revenue will grow by 9.80% on average per year.
EPS Next Y-4.09%
EPS Next 2Y6.84%
EPS Next 3Y5.27%
EPS Next 5YN/A
Revenue Next Year18.06%
Revenue Next 2Y14.48%
Revenue Next 3Y9.8%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
With a Price/Earnings ratio of 9.88, the valuation of OSBC can be described as very reasonable.
Based on the Price/Earnings ratio, OSBC is valued a bit cheaper than 78.26% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.77. OSBC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.47, the valuation of OSBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than the industry average as 73.66% of the companies are valued more expensively.
OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 8.47 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 74.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.31
EPS Next 2Y6.84%
EPS Next 3Y5.27%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.35%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.60.
Compared to an average S&P500 Dividend Yield of 2.36, OSBC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
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 12.34% of its income as dividend. This is a sustainable payout ratio.
The dividend of OSBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP12.34%
EPS Next 2Y6.84%
EPS Next 3Y5.27%
18.08
+0.33 (+1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.55%
Inst Owner Change0.47%
Ins Owners4.33%
Ins Owner Change0.41%
Market Cap951.91M
Revenue(TTM)292.59M
Net Income(TTM)83.71M
Analysts85
Price Target22.19 (22.73%)
Short Float %0.95%
Short Ratio1.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP12.34%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.92%
Min EPS beat(2)-5.2%
Max EPS beat(2)-2.64%
EPS beat(4)1
Avg EPS beat(4)-4.39%
Min EPS beat(4)-13.43%
Max EPS beat(4)3.71%
EPS beat(8)1
Avg EPS beat(8)-5.92%
EPS beat(12)3
Avg EPS beat(12)-3.77%
EPS beat(16)5
Avg EPS beat(16)-0.54%
Revenue beat(2)0
Avg Revenue beat(2)-2.11%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.4%
Revenue beat(4)0
Avg Revenue beat(4)-2.48%
Min Revenue beat(4)-4.39%
Max Revenue beat(4)-1.32%
Revenue beat(8)0
Avg Revenue beat(8)-3.09%
Revenue beat(12)2
Avg Revenue beat(12)-2.32%
Revenue beat(16)3
Avg Revenue beat(16)-2.29%
PT rev (1m)0%
PT rev (3m)3.98%
EPS NQ rev (1m)14.29%
EPS NQ rev (3m)-13.88%
EPS NY rev (1m)0.16%
EPS NY rev (3m)-4.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 8.47 | ||
| P/S | 3.25 | ||
| P/FCF | 8.84 | ||
| P/OCF | 8.31 | ||
| P/B | 1.32 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.83
EY10.12%
EPS(NY)2.13
Fwd EY11.81%
FCF(TTM)2.05
FCFY11.31%
OCF(TTM)2.18
OCFY12.04%
SpS5.56
BVpS13.65
TBVpS11.32
PEG (NY)N/A
PEG (5Y)1.31
Graham Number23.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 11.65% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.61% | ||
| GM | N/A | ||
| FCFM | 36.8% |
ROA(3y)1.42%
ROA(5y)1.1%
ROE(3y)14.4%
ROE(5y)11.25%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 76.09% | ||
| Cap/Sales | 2.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.64% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.49%
ROIC/WACCN/A
Cap/Depr(3y)125.64%
Cap/Depr(5y)109.93%
Cap/Sales(3y)3.28%
Cap/Sales(5y)2.87%
Profit Quality(3y)131.01%
Profit Quality(5y)123.5%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.17%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%0%
EPS Next Y-4.09%
EPS Next 2Y6.84%
EPS Next 3Y5.27%
EPS Next 5YN/A
Revenue 1Y (TTM)3.03%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%6.09%
Revenue Next Year18.06%
Revenue Next 2Y14.48%
Revenue Next 3Y9.8%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y53.95%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y51.16%
OCF growth 3Y61.8%
OCF growth 5Y20.1%