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OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

NASDAQ:OSBC - US6802771005 - Common Stock

18.52 USD
-0.05 (-0.27%)
Last: 8/28/2025, 10:04:32 AM
Fundamental Rating

4

Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 393 industry peers in the Banks industry. While OSBC is still in line with the averages on profitability rating, there are concerns on its financial health. OSBC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year OSBC was profitable.
In the past year OSBC had a positive cash flow from operations.
Each year in the past 5 years OSBC has been profitable.
In the past 5 years OSBC always reported a positive cash flow from operatings.
OSBC Yearly Net Income VS EBIT VS OCF VS FCFOSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

With an excellent Return On Assets value of 1.47%, OSBC belongs to the best of the industry, outperforming 88.55% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.65%, OSBC belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
Industry RankSector 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
OSBC Yearly ROA, ROE, ROICOSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

OSBC has a better Profit Margin (28.61%) than 76.59% 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 RankSector 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
OSBC Yearly Profit, Operating, Gross MarginsOSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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 more shares outstanding than it did 1 year ago.
OSBC has more shares outstanding than it did 5 years ago.
OSBC has a better debt/assets ratio than last year.
OSBC Yearly Shares OutstandingOSBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
OSBC Yearly Total Debt VS Total AssetsOSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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.
With a decent Debt to FCF ratio value of 1.23, OSBC is doing good in the industry, outperforming 65.14% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that OSBC is not too dependend on debt financing.
OSBC has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC7.71%
OSBC Yearly LT Debt VS Equity VS FCFOSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OSBC Yearly Current Assets VS Current LiabilitesOSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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4

3. Growth

3.1 Past

The earnings per share for OSBC have decreased by -3.17% in the last year.
The Earnings Per Share has been growing slightly by 7.54% on average over the past years.
Looking at the last year, OSBC shows a small growth in Revenue. The Revenue has grown by 3.03% in the last year.
OSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.57% yearly.
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 5.08% yearly.
The Revenue is expected to grow by 9.80% on average over the next years. This is quite good.
EPS Next Y-7.6%
EPS Next 2Y6.84%
EPS Next 3Y5.08%
EPS Next 5YN/A
Revenue Next Year17.56%
Revenue Next 2Y14.27%
Revenue Next 3Y9.8%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
OSBC Yearly Revenue VS EstimatesOSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
OSBC Yearly EPS VS EstimatesOSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.12, which indicates a very decent valuation of OSBC.
Compared to the rest of the industry, the Price/Earnings ratio of OSBC indicates a rather cheap valuation: OSBC is cheaper than 81.93% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.14. OSBC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.68, which indicates a very decent valuation of OSBC.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than the industry average as 78.12% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, OSBC is valued rather cheaply.
Industry RankSector Rank
PE 10.12
Fwd PE 8.68
OSBC Price Earnings VS Forward Price EarningsOSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 75.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.05
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.34
EPS Next 2Y6.84%
EPS Next 3Y5.08%

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5

5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.36%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, OSBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, OSBC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.36%

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.
As OSBC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)39.21%
Div Incr Years1
Div Non Decr Years8
OSBC Yearly Dividends per shareOSBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

OSBC pays out 12.34% 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.
DP12.34%
EPS Next 2Y6.84%
EPS Next 3Y5.08%
OSBC Yearly Income VS Free CF VS DividendOSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
OSBC Dividend Payout.OSBC Dividend Payout, showing the Payout Ratio.OSBC Dividend Payout.PayoutRetained Earnings

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OLD SECOND BANCORP INC

NASDAQ:OSBC (8/28/2025, 10:04:32 AM)

18.52

-0.05 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-14 2025-10-14/amc
Inst Owners63.44%
Inst Owner Change-3.93%
Ins Owners4.76%
Ins Owner Change2.91%
Market Cap975.08M
Analysts85
Price Target22.19 (19.82%)
Short Float %0.85%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 1.36%
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP12.34%
Div Incr Years1
Div Non Decr Years8
Ex-Date07-25 2025-07-25 (0.06)
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)3.98%
PT rev (3m)6.1%
EPS NQ rev (1m)-17.06%
EPS NQ rev (3m)-13.33%
EPS NY rev (1m)-4.29%
EPS NY rev (3m)0.83%
Revenue NQ rev (1m)9.02%
Revenue NQ rev (3m)15.02%
Revenue NY rev (1m)2.86%
Revenue NY rev (3m)2.86%
Valuation
Industry RankSector Rank
PE 10.12
Fwd PE 8.68
P/S 3.33
P/FCF 9.05
P/OCF 8.51
P/B 1.36
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)1.83
EY9.88%
EPS(NY)2.13
Fwd EY11.53%
FCF(TTM)2.05
FCFY11.04%
OCF(TTM)2.18
OCFY11.75%
SpS5.56
BVpS13.65
TBVpS11.32
PEG (NY)N/A
PEG (5Y)1.34
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.23
Debt/EBITDA N/A
Cap/Depr 64.35%
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
WACC7.71%
ROIC/WACCN/A
Cap/Depr(3y)120.12%
Cap/Depr(5y)106.62%
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-7.6%
EPS Next 2Y6.84%
EPS Next 3Y5.08%
EPS Next 5YN/A
Revenue 1Y (TTM)3.03%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%6.09%
Revenue Next Year17.56%
Revenue Next 2Y14.27%
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%