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OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:OSBC - US6802771005 - Common Stock

19.8 USD
0 (0%)
Last: 12/9/2025, 8:22:12 PM
19.8 USD
0 (0%)
After Hours: 12/9/2025, 8:22:12 PM
Fundamental Rating

3

OSBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of OSBC have multiple concerns. OSBC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
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.
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

OSBC has a better Return On Assets (1.01%) than 61.76% of its industry peers.
The Return On Equity of OSBC (8.15%) is comparable to the rest of the industry.
Industry RankSector 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
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

With a Profit Margin value of 22.26%, OSBC perfoms like the industry average, outperforming 41.86% of the companies in the same industry.
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 RankSector 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
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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2

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
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.
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 1.29. 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.
OSBC has a Debt to FCF ratio (1.29) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.14 indicates that OSBC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.14, OSBC perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC7.69%
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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5

3. Growth

3.1 Past

OSBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.38%.
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 quite strong growth in Revenue. The Revenue has grown by 12.43% in the last 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)-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

The Earnings Per Share is expected to grow by 6.92% on average over the next years.
Based on estimates for the next years, OSBC will show a quite strong growth in Revenue. The Revenue will grow by 11.23% on average per year.
EPS Next Y-13.73%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.11, OSBC is valued correctly.
OSBC's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.28, OSBC is valued rather cheaply.
A Price/Forward Earnings ratio of 9.02 indicates a reasonable valuation of OSBC.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than 71.58% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.52. OSBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.11
Fwd PE 9.02
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

OSBC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.84
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.74
EPS Next 2Y8.33%
EPS Next 3Y6.92%

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5

5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.43%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.11.
Compared to the average S&P500 Dividend Yield of 2.31, OSBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.43%

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.
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
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 15.92% 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.
DP15.92%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
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 (12/9/2025, 8:22:12 PM)

After market: 19.8 0 (0%)

19.8

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners70.41%
Inst Owner Change9.96%
Ins Owners4.33%
Ins Owner Change0%
Market Cap1.04B
Revenue(TTM)317.31M
Net Income(TTM)70.63M
Analysts85
Price Target22.53 (13.79%)
Short Float %2.46%
Short Ratio3.56
Dividend
Industry RankSector Rank
Dividend Yield 1.43%
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP15.92%
Div Incr Years1
Div Non Decr Years8
Ex-Date10-31 2025-10-31 (0.07)
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)0%
PT rev (3m)1.53%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)5.37%
EPS NY rev (1m)-6.32%
EPS NY rev (3m)-6.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.79%
Valuation
Industry RankSector Rank
PE 13.11
Fwd PE 9.02
P/S 3.29
P/FCF 10.84
P/OCF 10.22
P/B 1.2
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)1.51
EY7.63%
EPS(NY)2.19
Fwd EY11.08%
FCF(TTM)1.83
FCFY9.23%
OCF(TTM)1.94
OCFY9.78%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)N/A
PEG (5Y)1.74
Graham Number23.64
Profitability
Industry RankSector 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 RankSector 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
WACC7.69%
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-13.73%
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 3 / 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 2 / 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 -13.73% in the next year.