OSBC Fundamental Analysis - OLD SECOND BANCORP INC

Fundamental Rating

OSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year OSBC was profitable.

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

OSBC had positive earnings in each of the past 5 years.

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

1.2 Ratios

With an excellent Return On Assets value of 1.47%, OSBC belongs to the best of the industry, outperforming 88.52% of the companies in the same industry.

OSBC has a Return On Equity of 11.65%. This is amongst the best in the industry. OSBC outperforms 80.10% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

With a decent Profit Margin value of 28.61%, OSBC is doing good in the industry, outperforming 76.53% 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 Rank	Sector 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

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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.

Compared to 1 year ago, OSBC has more shares outstanding

Compared to 5 years ago, OSBC has more shares outstanding

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

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.

OSBC has a better Debt to FCF ratio (1.23) than 64.29% 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	1.23
Altman-Z	N/A

ROIC/WACCN/A

WACC7.58%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for OSBC have decreased by -3.17% 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 small growth in Revenue. In the last year, the Revenue has grown by 3.03%.

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)-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

The Earnings Per Share is expected to grow by 5.08% on average over the next years.

OSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.80% yearly.

EPS Next Y-7.6%

EPS Next 2Y6.84%

EPS Next 3Y5.08%

EPS Next 5YN/A

Revenue Next Year18.06%

Revenue Next 2Y14.48%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.78, which indicates a very decent valuation of OSBC.

OSBC's Price/Earnings ratio is rather cheap when compared to the industry. OSBC is cheaper than 84.69% of the companies in the same industry.

When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (27.38), we can say OSBC is valued rather cheaply.

A Price/Forward Earnings ratio of 8.38 indicates a reasonable valuation of OSBC.

Based on the Price/Forward Earnings ratio, OSBC is valued cheaply inside the industry as 81.63% of the companies are valued more expensively.

OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.

		Industry Rank	Sector Rank
PE	9.78
Fwd PE	8.38

4.2 Price Multiples

78.06% 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	8.75
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.3

EPS Next 2Y6.84%

EPS Next 3Y5.08%

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5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.31%.

OSBC's Dividend Yield is slightly below the industry average, which is at 3.54.

With a Dividend Yield of 1.31, OSBC pays less dividend than the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	1.31%

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 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%

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OLD SECOND BANCORP INC

NASDAQ:OSBC (9/19/2025, 8:00:02 PM)

After market: 17.89 0 (0%)

17.89

-0.47 (-2.56%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-15 2025-10-15/amc

Inst Owners63.44%

Inst Owner Change-3.93%

Ins Owners4.76%

Ins Owner Change0.41%

Market Cap941.91M

Analysts85

Price Target22.19 (24.04%)

Short Float %0.81%

Short Ratio1.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.31%

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)0%

PT rev (3m)6.1%

EPS NQ rev (1m)-9.14%

EPS NQ rev (3m)-23.91%

EPS NY rev (1m)0%

EPS NY rev (3m)0.83%

Revenue NQ rev (1m)0.63%

Revenue NQ rev (3m)9.71%

Revenue NY rev (1m)0.43%

Revenue NY rev (3m)3.3%

Valuation

		Industry Rank	Sector Rank
PE	9.78
Fwd PE	8.38
P/S	3.22
P/FCF	8.75
P/OCF	8.22
P/B	1.31
P/tB	1.58
EV/EBITDA	N/A

EPS(TTM)1.83

EY10.23%

EPS(NY)2.13

Fwd EY11.93%

FCF(TTM)2.05

FCFY11.43%

OCF(TTM)2.18

OCFY12.16%

SpS5.56

BVpS13.65

TBVpS11.32

PEG (NY)N/A

PEG (5Y)1.3

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC7.58%

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 Year18.06%

Revenue Next 2Y14.48%

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%

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

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