OLD SECOND BANCORP INC(NASDAQ:OSBC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 405 industry peers in the Banks industry. While OSBC is still in line with the averages on profitability rating, there are concerns on its financial health. OSBC has a valuation in line with the averages, but it does not seem to be growing.

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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.

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

1.2 Ratios

The Return On Assets of OSBC (1.49%) is better than 90.20% of its industry peers.

Looking at the Return On Equity, with a value of 12.76%, OSBC belongs to the top of the industry, outperforming 87.69% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.49%
ROE	12.76%
ROIC	N/A

ROA(3y)1.02%

ROA(5y)1.1%

ROE(3y)11.5%

ROE(5y)11.55%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 29.90%, OSBC belongs to the top of the industry, outperforming 83.67% of the companies in the same industry.

In the last couple of years the Profit Margin of OSBC has grown nicely.

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)	29.9%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y14.25%

PM growth 5Y2.89%

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.

The number of shares outstanding for OSBC has been increased compared to 1 year ago.

Compared to 5 years ago, OSBC has more shares outstanding

The debt/assets ratio for OSBC is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of OSBC is 1.12, which is an excellent value as it means it would take OSBC, only 1.12 years of fcf income to pay off all of its debts.

OSBC has a Debt to FCF ratio of 1.12. This is in the better half of the industry: OSBC outperforms 75.38% of its industry peers.

A Debt/Equity ratio of 0.21 indicates that OSBC is not too dependend on debt financing.

The Debt to Equity ratio of OSBC (0.21) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.21
Debt/FCF	1.12
Altman-Z	N/A

ROIC/WACCN/A

WACC7.77%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for OSBC have decreased strongly by -13.55% in the last year.

OSBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.52% yearly.

OSBC shows a decrease in Revenue. In the last year, the revenue decreased by -2.41%.

OSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.53% yearly.

EPS 1Y (TTM)-13.55%

EPS 3Y19.97%

EPS 5Y12.52%

EPS Q2Q%-7.41%

Revenue 1Y (TTM)-2.41%

Revenue growth 3Y30.31%

Revenue growth 5Y18.53%

Sales Q2Q%3.45%

3.2 Future

The Earnings Per Share is expected to decrease by -1.69% on average over the next years.

Based on estimates for the next years, OSBC will show a decrease in Revenue. The Revenue will decrease by -0.46% on average per year.

EPS Next Y-2.82%

EPS Next 2Y-3.91%

EPS Next 3Y-1.69%

EPS Next 5YN/A

Revenue Next Year-2.85%

Revenue Next 2Y-1.6%

Revenue Next 3Y-0.46%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.03 indicates a reasonable valuation of OSBC.

Based on the Price/Earnings ratio, OSBC is valued cheaper than 84.17% of the companies in the same industry.

OSBC is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 9.95, the valuation of OSBC can be described as very reasonable.

76.63% of the companies in the same industry are more expensive than OSBC, based on the Price/Forward Earnings ratio.

OSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.03
Fwd PE	9.95

4.2 Price Multiples

87.44% 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	6.72
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.8

EPS Next 2Y-3.91%

EPS Next 3Y-1.69%

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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 3.22.

Compared to an average S&P500 Dividend Yield of 2.28, OSBC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.32%

5.2 History

On average, the dividend of OSBC grows each year by 37.96%, 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)37.96%

Div Incr Years1

Div Non Decr Years8

5.3 Sustainability

OSBC pays out 10.62% of its income as dividend. This is a sustainable payout ratio.

DP10.62%

EPS Next 2Y-3.91%

EPS Next 3Y-1.69%

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OLD SECOND BANCORP INC

NASDAQ:OSBC (1/22/2025, 10:32:57 AM)

18.55

-0.1 (-0.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-16 2024-10-16/amc

Earnings (Next)01-22 2025-01-22/amc

Inst Owners71.2%

Inst Owner Change-0.22%

Ins Owners4.64%

Ins Owner Change0%

Market Cap831.97M

Analysts85

Price Target21.08 (13.64%)

Short Float %1.33%

Short Ratio2.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.32%

Yearly Dividend0.2

Dividend Growth(5Y)37.96%

DP10.62%

Div Incr Years1

Div Non Decr Years8

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)1.6%

Min EPS beat(2)-0.51%

Max EPS beat(2)3.71%

EPS beat(4)1

Avg EPS beat(4)-6.34%

Min EPS beat(4)-26.93%

Max EPS beat(4)3.71%

EPS beat(8)2

Avg EPS beat(8)-3.58%

EPS beat(12)5

Avg EPS beat(12)1.1%

EPS beat(16)6

Avg EPS beat(16)3.37%

Revenue beat(2)0

Avg Revenue beat(2)-0.93%

Min Revenue beat(2)-1.32%

Max Revenue beat(2)-0.54%

Revenue beat(4)0

Avg Revenue beat(4)-2.28%

Min Revenue beat(4)-6%

Max Revenue beat(4)-0.54%

Revenue beat(8)1

Avg Revenue beat(8)-3.21%

Revenue beat(12)3

Avg Revenue beat(12)-2.19%

Revenue beat(16)4

Avg Revenue beat(16)-2.49%

PT rev (1m)4.64%

PT rev (3m)5.53%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.28%

EPS NY rev (1m)0%

EPS NY rev (3m)1.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.21%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.16%

Valuation

		Industry Rank	Sector Rank
PE	10.03
Fwd PE	9.95
P/S	2.95
P/FCF	6.72
P/OCF	6.09
P/B	1.26
P/tB	1.5
EV/EBITDA	N/A

EPS(TTM)1.85

EY9.97%

EPS(NY)1.87

Fwd EY10.06%

FCF(TTM)2.76

FCFY14.88%

OCF(TTM)3.05

OCFY16.42%

SpS6.29

BVpS14.75

TBVpS12.39

PEG (NY)N/A

PEG (5Y)0.8

Profitability

		Industry Rank	Sector Rank
ROA	1.49%
ROE	12.76%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.9%
GM	N/A
FCFM	43.87%

ROA(3y)1.02%

ROA(5y)1.1%

ROE(3y)11.5%

ROE(5y)11.55%

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 3Y14.25%

PM growth 5Y2.89%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.21
Debt/FCF	1.12
Debt/EBITDA	N/A
Cap/Depr	165.53%
Cap/Sales	4.53%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	146.75%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC7.77%

ROIC/WACCN/A

Cap/Depr(3y)98.72%

Cap/Depr(5y)112.26%

Cap/Sales(3y)2.52%

Cap/Sales(5y)2.78%

Profit Quality(3y)132.17%

Profit Quality(5y)119.61%

High Growth Momentum

Growth

EPS 1Y (TTM)-13.55%

EPS 3Y19.97%

EPS 5Y12.52%

EPS Q2Q%-7.41%

EPS Next Y-2.82%

EPS Next 2Y-3.91%

EPS Next 3Y-1.69%

EPS Next 5YN/A

Revenue 1Y (TTM)-2.41%

Revenue growth 3Y30.31%

Revenue growth 5Y18.53%

Sales Q2Q%3.45%

Revenue Next Year-2.85%

Revenue Next 2Y-1.6%

Revenue Next 3Y-0.46%

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 1Y238.59%

FCF growth 3Y67.67%

FCF growth 5Y14.43%

OCF growth 1Y238.67%

OCF growth 3Y64.84%

OCF growth 5Y16.21%

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

More info and screens