OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis
USA - NASDAQ:OSBC - US6802771005 - Common Stock
18.05 USD
0 (0%)
OSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. OSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. OSBC has a correct valuation and a medium 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.
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
With an excellent Return On Assets value of 1.47%, OSBC belongs to the best of the industry, outperforming 88.14% of the companies in the same industry.
With a decent Return On Equity value of 11.65%, OSBC is doing good in the industry, outperforming 79.12% of the companies in the same industry.
| 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 75.77% 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.
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) | 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
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.
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
The Debt to FCF ratio of OSBC is 1.23, which is an excellent value as it means it would take OSBC, only 1.23 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.23, OSBC is doing good in the industry, outperforming 62.11% of the companies in the same industry.
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
WACC7.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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)-18.38%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-64%
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
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 6.92% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
With a Price/Earnings ratio of 11.95, the valuation of OSBC can be described as very reasonable.
OSBC's Price/Earnings ratio is in line with the industry average.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.47.
With a Price/Forward Earnings ratio of 8.23, the valuation of OSBC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than 76.03% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.42, OSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 8.23 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 71.91% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.58
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.53%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.39.
OSBC's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
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
12.34% of the earnings are spent on dividend by OSBC. This is a low number and sustainable payout ratio.
The dividend of OSBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP12.34%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
NASDAQ:OSBC (11/20/2025, 12:11:51 PM)
18.05
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.55%
Inst Owner Change9.95%
Ins Owners4.33%
Ins Owner Change0%
Market Cap950.33M
Revenue(TTM)285.45M
Net Income(TTM)83.71M
Analysts85
Price Target22.53 (24.82%)
Short Float %2.28%
Short Ratio3.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP12.34%
Div Incr Years1
Div Non Decr Years8
Ex-Date
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)1.53%
PT rev (3m)1.53%
EPS NQ rev (1m)-0.46%
EPS NQ rev (3m)0.09%
EPS NY rev (1m)-0.49%
EPS NY rev (3m)-4.61%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.13%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 8.23 | ||
| P/S | 3.25 | ||
| P/FCF | 8.83 | ||
| P/OCF | 8.29 | ||
| P/B | 1.32 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY8.37%
EPS(NY)2.19
Fwd EY12.16%
FCF(TTM)2.05
FCFY11.33%
OCF(TTM)2.18
OCFY12.06%
SpS5.56
BVpS13.65
TBVpS11.32
PEG (NY)N/A
PEG (5Y)1.58
Graham Number21.53
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
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 76.09% | ||
| 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
WACC7.57%
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)-0.23%
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 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 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 5 / 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 4 / 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.