OSBC Fundamental Analysis - OLD SECOND BANCORP INC

Fundamental Rating

Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 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

OSBC had positive earnings in the past year.

In the past year OSBC had a positive cash flow from operations.

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

OSBC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of OSBC (1.46%) is better than 88.86% of its industry peers.

OSBC has a Return On Equity of 12.06%. This is amongst the best in the industry. OSBC outperforms 82.78% 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

Looking at the Profit Margin, with a value of 29.06%, OSBC is in the better half of the industry, outperforming 79.75% 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)	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.

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.

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 1.33, which is an excellent value as it means it would take OSBC, only 1.33 years of fcf income to pay off all of its debts.

OSBC has a Debt to FCF ratio of 1.33. This is in the better half of the industry: OSBC outperforms 65.32% of its industry peers.

OSBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

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

WACC8.02%

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 -7.11% 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.

Looking at the last year, OSBC shows a small growth in Revenue. The Revenue has grown by 1.16% in the last year.

OSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.57% yearly.

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

Based on estimates for the next years, OSBC will show a small growth in Earnings Per Share. The EPS will grow by 6.59% on average per year.

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

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.

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

A Price/Earnings ratio of 9.12 indicates a reasonable valuation of OSBC.

Based on the Price/Earnings ratio, OSBC is valued cheaply inside the industry as 83.29% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 26.34. OSBC is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 7.86, which indicates a rather cheap valuation of OSBC.

OSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 75.44% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, OSBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.12
Fwd PE	7.86

4.2 Price Multiples

75.95% 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	8.09
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.21

EPS Next 2Y6.59%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.40%, OSBC has a reasonable but not impressive dividend return.

OSBC's Dividend Yield is slightly below the industry average, which is at 3.46.

With a Dividend Yield of 1.40, OSBC pays less dividend than the S&P500 average, which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	1.4%

5.2 History

The dividend of OSBC is nicely growing with an annual growth rate of 39.21%!

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

OSBC pays out 11.78% 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.

DP11.78%

EPS Next 2Y6.59%

EPS Next 3YN/A

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OLD SECOND BANCORP INC

NASDAQ:OSBC (6/18/2025, 8:17:14 PM)

After market: 16.69 0 (0%)

16.69

-0.01 (-0.06%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)07-15 2025-07-15/amc

Inst Owners75.48%

Inst Owner Change3.51%

Ins Owners4.84%

Ins Owner Change13.6%

Market Cap752.05M

Analysts85

Price Target20.91 (25.28%)

Short Float %1.08%

Short Ratio2.12

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.4%

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)-8.63%

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	9.12
Fwd PE	7.86
P/S	2.61
P/FCF	8.09
P/OCF	7.37
P/B	1.08
P/tB	1.32
EV/EBITDA	N/A

EPS(TTM)1.83

EY10.96%

EPS(NY)2.12

Fwd EY12.73%

FCF(TTM)2.06

FCFY12.37%

OCF(TTM)2.27

OCFY13.57%

SpS6.4

BVpS15.41

TBVpS12.66

PEG (NY)N/A

PEG (5Y)1.21

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

WACC8.02%

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

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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