OLD SECOND BANCORP INC(NASDAQ:OSBC) stock Fundamental Analysis

Fundamental Rating

OSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 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 is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

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 each of the past 5 years.

In the past 5 years OSBC always reported a positive cash flow from operatings.

1.2 Ratios

OSBC has a Return On Assets of 1.51%. This is amongst the best in the industry. OSBC outperforms 90.45% of its industry peers.

OSBC has a better Return On Equity (12.71%) than 85.68% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.51%
ROE	12.71%
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 of 29.87%. This is amongst the best in the industry. OSBC outperforms 82.16% 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)	29.87%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

Compared to 5 years ago, OSBC has more shares outstanding

The debt/assets ratio for OSBC has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of OSBC is 1.01, which is an excellent value as it means it would take OSBC, only 1.01 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of OSBC (1.01) is better than 74.87% of its industry peers.

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 comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.01
Altman-Z	N/A

ROIC/WACCN/A

WACC7.48%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for OSBC have decreased by -7.43% 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.

OSBC shows a decrease in Revenue. In the last year, the revenue decreased by -0.23%.

The Revenue has been growing by 16.57% on average over the past years. This is quite good.

EPS 1Y (TTM)-7.43%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%5%

Revenue 1Y (TTM)-0.23%

Revenue growth 3Y28.04%

Revenue growth 5Y16.57%

Sales Q2Q%-1.65%

3.2 Future

Based on estimates for the next years, OSBC will show a small growth in Earnings Per Share. The EPS will grow by 5.73% on average per year.

OSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.43% yearly.

EPS Next Y1.13%

EPS Next 2Y5.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.51%

Revenue Next 2Y12.43%

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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.34, the valuation of OSBC can be described as reasonable.

89.45% of the companies in the same industry are more expensive than OSBC, based on the Price/Earnings ratio.

OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

With a Price/Forward Earnings ratio of 8.25, the valuation of OSBC can be described as very reasonable.

74.87% of the companies in the same industry are more expensive than OSBC, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, OSBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.34
Fwd PE	8.25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OSBC is valued cheaply inside the industry as 90.20% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.82
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)7.4

PEG (5Y)1.11

EPS Next 2Y5.73%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.

OSBC's Dividend Yield is slightly below the industry average, which is at 3.63.

OSBC's Dividend Yield is slightly below the S&P500 average, which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

5.2 History

On average, the dividend of OSBC grows each year by 39.21%, which is quite nice.

OSBC has been paying a dividend for at least 10 years, so it has 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

5.3 Sustainability

OSBC pays out 11.04% 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.

DP11.04%

EPS Next 2Y5.73%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

OLD SECOND BANCORP INC

NASDAQ:OSBC (4/24/2025, 8:00:02 PM)

After market: 15.6 0 (0%)

15.6

+0.14 (+0.91%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-16 2025-04-16/amc

Earnings (Next)07-15 2025-07-15/amc

Inst Owners76.42%

Inst Owner Change-0.53%

Ins Owners4.64%

Ins Owner Change13.05%

Market Cap702.78M

Analysts85

Price Target22.27 (42.76%)

Short Float %0.94%

Short Ratio1.7

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.55%

Yearly Dividend0.21

Dividend Growth(5Y)39.21%

DP11.04%

Div Incr Years1

Div Non Decr Years8

Ex-Date04-25 2025-04-25 (0.06)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-4.86%

Min EPS beat(2)-13.43%

Max EPS beat(2)3.71%

EPS beat(4)1

Avg EPS beat(4)-2.97%

Min EPS beat(4)-13.43%

Max EPS beat(4)3.71%

EPS beat(8)2

Avg EPS beat(8)-5.26%

EPS beat(12)4

Avg EPS beat(12)-4.47%

EPS beat(16)6

Avg EPS beat(16)2.66%

Revenue beat(2)0

Avg Revenue beat(2)-2.85%

Min Revenue beat(2)-4.39%

Max Revenue beat(2)-1.32%

Revenue beat(4)0

Avg Revenue beat(4)-1.88%

Min Revenue beat(4)-4.39%

Max Revenue beat(4)-0.54%

Revenue beat(8)0

Avg Revenue beat(8)-3.97%

Revenue beat(12)3

Avg Revenue beat(12)-2.18%

Revenue beat(16)4

Avg Revenue beat(16)-2.56%

PT rev (1m)-1.48%

PT rev (3m)7.26%

EPS NQ rev (1m)-0.37%

EPS NQ rev (3m)-1.55%

EPS NY rev (1m)0.83%

EPS NY rev (3m)1.39%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.31%

Revenue NY rev (1m)-0.02%

Revenue NY rev (3m)10.88%

Valuation

		Industry Rank	Sector Rank
PE	8.34
Fwd PE	8.25
P/S	2.46
P/FCF	5.82
P/OCF	5.34
P/B	1.05
P/tB	1.29
EV/EBITDA	N/A

EPS(TTM)1.87

EY11.99%

EPS(NY)1.89

Fwd EY12.12%

FCF(TTM)2.68

FCFY17.18%

OCF(TTM)2.92

OCFY18.72%

SpS6.34

BVpS14.9

TBVpS12.11

PEG (NY)7.4

PEG (5Y)1.11

Profitability

		Industry Rank	Sector Rank
ROA	1.51%
ROE	12.71%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.87%
GM	N/A
FCFM	42.3%

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-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.01
Debt/EBITDA	N/A
Cap/Depr	117.76%
Cap/Sales	3.78%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	141.61%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.48%

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)-7.43%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%5%

EPS Next Y1.13%

EPS Next 2Y5.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.23%

Revenue growth 3Y28.04%

Revenue growth 5Y16.57%

Sales Q2Q%-1.65%

Revenue Next Year10.51%

Revenue Next 2Y12.43%

Revenue Next 3YN/A

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 1Y16.07%

FCF growth 3Y60.84%

FCF growth 5Y20.13%

OCF growth 1Y13%

OCF growth 3Y61.8%

OCF growth 5Y20.1%

OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens