OSBC Fundamental Analysis - OLD SECOND BANCORP INC

Fundamental Rating

Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 395 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC has a correct valuation and a medium growth rate.

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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.

In the past 5 years OSBC has always been profitable.

Each year in the past 5 years OSBC had a positive operating cash flow.

1.2 Ratios

OSBC has a Return On Assets of 1.46%. This is amongst the best in the industry. OSBC outperforms 88.61% of its industry peers.

OSBC's Return On Equity of 12.06% is amongst the best of the industry. OSBC outperforms 83.04% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.46%
ROE	12.06%
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 29.06%. This is in the better half of the industry: OSBC outperforms 79.75% of 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)	29.06%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for OSBC has been increased compared to 5 years ago.

OSBC has a better debt/assets ratio than last year.

2.2 Solvency

OSBC has a debt to FCF ratio of 1.33. This is a very positive value and a sign of high solvency as it would only need 1.33 years to pay back of all of its debts.

OSBC's Debt to FCF ratio of 1.33 is fine compared to the rest of the industry. OSBC outperforms 65.57% of its industry peers.

A Debt/Equity ratio of 0.18 indicates that OSBC is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.18, OSBC is in line with its industry, outperforming 48.10% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.33
Altman-Z	N/A

ROIC/WACCN/A

WACC8.03%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

OSBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.11%.

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 1.16% in the past year.

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

EPS 1Y (TTM)-7.11%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%-8.51%

Revenue 1Y (TTM)1.16%

Revenue growth 3Y28.04%

Revenue growth 5Y16.57%

Sales Q2Q%0.07%

3.2 Future

OSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.59% yearly.

Based on estimates for the next years, OSBC will show a quite strong growth in Revenue. The Revenue will grow by 13.34% on average per year.

EPS Next Y-8.36%

EPS Next 2Y6.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.29%

Revenue Next 2Y13.34%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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 stable.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.43, the valuation of OSBC can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of OSBC indicates a rather cheap valuation: OSBC is cheaper than 81.01% of the companies listed in the same industry.

OSBC is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.

OSBC is valuated reasonably with a Price/Forward Earnings ratio of 8.98.

73.16% of the companies in the same industry are more expensive than OSBC, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 21.90. OSBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.43
Fwd PE	8.98

4.2 Price Multiples

72.66% 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	9.24
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.38

EPS Next 2Y6.59%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.36%.

OSBC's Dividend Yield is slightly below the industry average, which is at 3.47.

With a Dividend Yield of 1.36, OSBC pays less dividend than the S&P500 average, which is at 2.42.

		Industry Rank	Sector 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 been paying a dividend for at least 10 years, so it has 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 11.78% 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.

DP11.78%

EPS Next 2Y6.59%

EPS Next 3YN/A

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OLD SECOND BANCORP INC

NASDAQ:OSBC (7/3/2025, 7:58:32 PM)

After market: 19.08 0 (0%)

19.08

+0.18 (+0.95%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners75.48%

Inst Owner Change3.51%

Ins Owners4.84%

Ins Owner Change13.6%

Market Cap859.74M

Analysts85

Price Target20.91 (9.59%)

Short Float %1.13%

Short Ratio2.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.36%

Yearly Dividend0.21

Dividend Growth(5Y)39.21%

DP11.78%

Div Incr Years1

Div Non Decr Years8

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

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-9.31%

Min EPS beat(2)-13.43%

Max EPS beat(2)-5.2%

EPS beat(4)1

Avg EPS beat(4)-3.86%

Min EPS beat(4)-13.43%

Max EPS beat(4)3.71%

EPS beat(8)2

Avg EPS beat(8)-5.21%

EPS beat(12)3

Avg EPS beat(12)-5.4%

EPS beat(16)5

Avg EPS beat(16)-0.84%

Revenue beat(2)0

Avg Revenue beat(2)-3.6%

Min Revenue beat(2)-4.39%

Max Revenue beat(2)-2.82%

Revenue beat(4)0

Avg Revenue beat(4)-2.27%

Min Revenue beat(4)-4.39%

Max Revenue beat(4)-0.54%

Revenue beat(8)0

Avg Revenue beat(8)-3.53%

Revenue beat(12)2

Avg Revenue beat(12)-2.52%

Revenue beat(16)3

Avg Revenue beat(16)-3.06%

PT rev (1m)0%

PT rev (3m)-8.89%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.84%

EPS NY rev (1m)0%

EPS NY rev (3m)-7.39%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)4.39%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.4%

Valuation

		Industry Rank	Sector Rank
PE	10.43
Fwd PE	8.98
P/S	2.98
P/FCF	9.24
P/OCF	8.42
P/B	1.24
P/tB	1.51
EV/EBITDA	N/A

EPS(TTM)1.83

EY9.59%

EPS(NY)2.12

Fwd EY11.14%

FCF(TTM)2.06

FCFY10.82%

OCF(TTM)2.27

OCFY11.87%

SpS6.4

BVpS15.41

TBVpS12.66

PEG (NY)N/A

PEG (5Y)1.38

Profitability

		Industry Rank	Sector Rank
ROA	1.46%
ROE	12.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.06%
GM	N/A
FCFM	32.27%

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	1.33
Debt/EBITDA	N/A
Cap/Depr	91.24%
Cap/Sales	3.14%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	111.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.03%

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)-7.11%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%-8.51%

EPS Next Y-8.36%

EPS Next 2Y6.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.16%

Revenue growth 3Y28.04%

Revenue growth 5Y16.57%

Sales Q2Q%0.07%

Revenue Next Year14.29%

Revenue Next 2Y13.34%

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 1Y-26.44%

FCF growth 3Y60.84%

FCF growth 5Y20.13%

OCF growth 1Y-22.58%

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

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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