20.52 USD
-0.01 (-0.05%)
20.52 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to OSBC. OSBC was compared to 388 industry peers in the Banks industry. OSBC may be in some trouble as it scores bad on both profitability and health. 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.
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.
1.2 Ratios
The Return On Assets of OSBC (1.01%) is better than 61.60% of its industry peers.
OSBC has a Return On Equity of 8.15%. This is comparable to the rest of the industry: OSBC outperforms 43.56% 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 41.49% of its industry peers.
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) | 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.
The number of shares outstanding for OSBC has been increased compared to 5 years ago.
Compared to 1 year ago, OSBC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OSBC is 1.29, which is an excellent value as it means it would take OSBC, only 1.29 years of fcf income to pay off 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 55.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.72%
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%.
OSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.54% yearly.
The Revenue has grown by 12.43% in the past year. This is quite good.
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
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
A Price/Earnings ratio of 13.59 indicates a correct valuation of OSBC.
Compared to the rest of the industry, the Price/Earnings ratio of OSBC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (26.61), we can say OSBC is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 9.35, the valuation of OSBC can be described as reasonable.
OSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 72.68% of the companies in the same industry.
OSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.59 | ||
| Fwd PE | 9.35 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as OSBC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.8
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.34%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 2.74.
OSBC's Dividend Yield is slightly below the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.34% |
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.
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
5.3 Sustainability
OSBC pays out 15.92% 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.
DP15.92%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
20.52
-0.01 (-0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.41%
Inst Owner Change9.96%
Ins Owners4.33%
Ins Owner Change0%
Market Cap1.08B
Revenue(TTM)317.31M
Net Income(TTM)70.63M
Analysts85
Price Target22.53 (9.8%)
Short Float %2.3%
Short Ratio3.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.34% |
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)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)0.53%
Revenue NQ rev (3m)2.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.59 | ||
| Fwd PE | 9.35 | ||
| P/S | 3.41 | ||
| P/FCF | 11.23 | ||
| P/OCF | 10.59 | ||
| P/B | 1.25 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY7.36%
EPS(NY)2.19
Fwd EY10.69%
FCF(TTM)1.83
FCFY8.91%
OCF(TTM)1.94
OCFY9.44%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)N/A
PEG (5Y)1.8
Graham Number23.64
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
WACC7.72%
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.