19.02 USD
+0.02 (+0.11%)
19.02 USD
0 (0%)
Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 387 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
Each year in the past 5 years OSBC has been profitable.
OSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of OSBC (1.01%) is better than 61.76% of its industry peers.
OSBC has a Return On Equity of 8.15%. This is comparable to the rest of the industry: OSBC outperforms 44.70% of 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's Profit Margin of 22.26% is in line compared to the rest of the industry. OSBC outperforms 41.60% of its industry peers.
OSBC's Profit Margin has been stable in the last couple of years.
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 more shares outstanding than it did 1 year ago.
OSBC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for OSBC has been reduced compared to a year ago.
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.
The Debt to FCF ratio of OSBC (1.29) is better than 60.72% of its industry peers.
OSBC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
OSBC has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: OSBC outperforms 56.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.54%
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 -18.38% 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 7.54% on average per year.
OSBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.43%.
The Revenue has been growing by 16.57% on average over the past years. This is quite good.
EPS 1Y (TTM)-18.38%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-64%
Revenue 1Y (TTM)12.43%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
3.2 Future
OSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
The Revenue is expected to grow by 11.23% on average over the next years. This is quite good.
EPS Next Y-7.91%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue Next Year19.67%
Revenue Next 2Y15.9%
Revenue Next 3Y11.23%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.60, which indicates a correct valuation of OSBC.
The rest of the industry has a similar Price/Earnings ratio as OSBC.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
Based on the Price/Forward Earnings ratio of 8.67, the valuation of OSBC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 75.19% of the companies listed in the same industry.
OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 8.67 |
4.2 Price Multiples
62.27% 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 | 10.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.67
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.56%.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.33.
OSBC's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
5.2 History
On average, the dividend of OSBC grows each year by 39.21%, which is quite nice.
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
5.3 Sustainability
15.92% of the earnings are spent on dividend by OSBC. This is a low number and sustainable payout ratio.
OSBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.92%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
19.02
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.55%
Inst Owner Change9.96%
Ins Owners4.33%
Ins Owner Change0%
Market Cap1.00B
Revenue(TTM)317.31M
Net Income(TTM)70.63M
Analysts85
Price Target22.53 (18.45%)
Short Float %2.28%
Short Ratio3.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP15.92%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-26.69%
Min EPS beat(2)-50.75%
Max EPS beat(2)-2.64%
EPS beat(4)0
Avg EPS beat(4)-18%
Min EPS beat(4)-50.75%
Max EPS beat(4)-2.64%
EPS beat(8)1
Avg EPS beat(8)-12.17%
EPS beat(12)2
Avg EPS beat(12)-8.39%
EPS beat(16)5
Avg EPS beat(16)-3.67%
Revenue beat(2)0
Avg Revenue beat(2)-3.7%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)-1.4%
Revenue beat(4)0
Avg Revenue beat(4)-3.65%
Min Revenue beat(4)-5.99%
Max Revenue beat(4)-1.4%
Revenue beat(8)0
Avg Revenue beat(8)-2.97%
Revenue beat(12)1
Avg Revenue beat(12)-3.36%
Revenue beat(16)3
Avg Revenue beat(16)-2.56%
PT rev (1m)1.53%
PT rev (3m)1.53%
EPS NQ rev (1m)2.84%
EPS NQ rev (3m)6.14%
EPS NY rev (1m)-3.98%
EPS NY rev (3m)-0.33%
Revenue NQ rev (1m)1.91%
Revenue NQ rev (3m)2.58%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 8.67 | ||
| P/S | 3.16 | ||
| P/FCF | 10.4 | ||
| P/OCF | 9.82 | ||
| P/B | 1.16 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY7.94%
EPS(NY)2.19
Fwd EY11.54%
FCF(TTM)1.83
FCFY9.61%
OCF(TTM)1.94
OCFY10.19%
SpS6.03
BVpS16.46
TBVpS13.33
PEG (NY)N/A
PEG (5Y)1.67
Graham Number23.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A | ||
| FCFM | 30.33% |
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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 58.24% | ||
| Cap/Sales | 1.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.54%
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)-18.38%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-64%
EPS Next Y-7.91%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue 1Y (TTM)12.43%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
Revenue Next Year19.67%
Revenue Next 2Y15.9%
Revenue Next 3Y11.23%
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-16.1%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y-18.12%
OCF growth 3Y61.8%
OCF growth 5Y20.1%
OLD SECOND BANCORP INC / OSBC FAQ
What is the fundamental rating for OSBC stock?
ChartMill assigns a fundamental rating of 4 / 10 to OSBC.
What is the valuation status for OSBC stock?
ChartMill assigns a valuation rating of 4 / 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.
Can you provide the financial health for OSBC stock?
The financial health rating of OLD SECOND BANCORP INC (OSBC) is 3 / 10.
Can you provide the expected EPS growth for OSBC stock?
The Earnings per Share (EPS) of OLD SECOND BANCORP INC (OSBC) is expected to decline by -7.91% in the next year.