19.9 USD
-1.36 (-6.4%)
19.9 USD
0 (0%)
Overall OSBC gets a fundamental rating of 3 out of 10. We evaluated OSBC against 383 industry peers in the Banks industry. Both the profitability and financial health of OSBC have multiple concerns. OSBC has a valuation in line with the averages, but on the other hand it scores bad on growth.
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 4 of the past 5 years.
- Of the past 5 years OSBC 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of OSBC (1.01%) is better than 61.62% of its industry peers.
- With a Return On Equity value of 8.15%, OSBC perfoms like the industry average, outperforming 43.08% of the companies in the same industry.
| 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 has a Profit Margin (22.26%) which is comparable to the rest of the industry.
- OSBC's Profit Margin has been stable in the last couple of years.
- 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) | 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.
- There is no outstanding debt for OSBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 in line with its industry peers.
- OSBC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
- OSBC's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. OSBC outperforms 56.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.75%
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 -12.83%.
- The Earnings Per Share has been growing slightly by 6.86% on average over the past years.
EPS 1Y (TTM)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%38.36%
3.2 Future
- The Earnings Per Share is expected to grow by 18.41% on average over the next years. This is quite good.
- Based on estimates for the next years, OSBC will show a small growth in Revenue. The Revenue will grow by 7.62% on average per year.
EPS Next Y34.62%
EPS Next 2Y18.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.3%
Revenue Next 2Y7.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.21 indicates a correct valuation of OSBC.
- The rest of the industry has a similar Price/Earnings ratio as OSBC.
- The average S&P500 Price/Earnings ratio is at 27.21. OSBC is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 9.07, which indicates a very decent valuation of OSBC.
- Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than the industry average as 76.50% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. OSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.21 | ||
| Fwd PE | 9.07 |
4.2 Price Multiples
- OSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 61.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- OSBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as OSBC's earnings are expected to grow with 18.41% in the coming years.
PEG (NY)0.35
PEG (5Y)1.78
EPS Next 2Y18.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- OSBC has a Yearly Dividend Yield of 1.32%.
- OSBC's Dividend Yield is slightly below the industry average, which is at 2.61.
- OSBC's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
5.2 History
- The dividend of OSBC is nicely growing with an annual growth rate of 39.21%!
- 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
- 15.92% 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.
DP15.92%
EPS Next 2Y18.41%
EPS Next 3YN/A
OLD SECOND BANCORP INC / OSBC FAQ
What is the fundamental rating for OSBC stock?
ChartMill assigns a fundamental rating of 3 / 10 to OSBC.
Can you provide the valuation status for OLD SECOND BANCORP INC?
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.
What is the valuation of OLD SECOND BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for OLD SECOND BANCORP INC (OSBC) is 12.21 and the Price/Book (PB) ratio is 1.21.
What is the financial health of OLD SECOND BANCORP INC (OSBC) stock?
The financial health rating of OLD SECOND BANCORP INC (OSBC) is 2 / 10.