OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

NASDAQ:OSBC • US6802771005

20.32 USD
0 (0%)
Last: Feb 26, 2026, 02:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OSBC. OSBC was compared to 379 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. OSBC has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
OSBC Yearly Net Income VS EBIT VS OCF VS FCFOSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

  • OSBC has a better Return On Assets (1.01%) than 60.16% of its industry peers.
  • OSBC has a Return On Equity (8.15%) which is comparable to the rest of the industry.
Industry RankSector 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
OSBC Yearly ROA, ROE, ROICOSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • OSBC has a Profit Margin (22.26%) which is in line with 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 RankSector 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
OSBC Yearly Profit, Operating, Gross MarginsOSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
OSBC Yearly Shares OutstandingOSBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
OSBC Yearly Total Debt VS Total AssetsOSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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 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 has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC7.62%
OSBC Yearly LT Debt VS Equity VS FCFOSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OSBC Yearly Current Assets VS Current LiabilitesOSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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

  • Based on estimates for the next years, OSBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.08% on average per year.
  • The Revenue is expected to grow by 7.69% on average over the next years.
EPS Next Y34.38%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.35%
Revenue Next 2Y7.69%
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.
OSBC Yearly Revenue VS EstimatesOSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
OSBC Yearly EPS VS EstimatesOSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.47 indicates a correct valuation of OSBC.
  • OSBC's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.05. OSBC is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.28, the valuation of OSBC can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than the industry average as 78.63% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. OSBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.47
Fwd PE 9.28
OSBC Price Earnings VS Forward Price EarningsOSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 63.32% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.12
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 19.08% in the coming years.
PEG (NY)0.36
PEG (5Y)1.82
EPS Next 2Y19.08%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • OSBC has a Yearly Dividend Yield of 1.37%. 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 1.80.
Industry RankSector Rank
Dividend Yield 1.37%

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.
  • 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
OSBC Yearly Dividends per shareOSBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 15.92% of the earnings are spent on dividend by OSBC. This is a low number and sustainable payout ratio.
  • OSBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.92%
EPS Next 2Y19.08%
EPS Next 3YN/A
OSBC Yearly Income VS Free CF VS DividendOSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
OSBC Dividend Payout.OSBC Dividend Payout, showing the Payout Ratio.OSBC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

OLD SECOND BANCORP INC

NASDAQ:OSBC (2/26/2026, 2:00:24 PM)

20.32

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners70.24%
Inst Owner Change2.15%
Ins Owners4.33%
Ins Owner Change-2.19%
Market Cap1.07B
Revenue(TTM)N/A
Net Income(TTM)70.63M
Analysts83.64
Price Target24.28 (19.49%)
Short Float %2.26%
Short Ratio3.47
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP15.92%
Div Incr Years1
Div Non Decr Years8
Ex-Date01-30
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)7.77%
PT rev (3m)7.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.34%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 12.47
Fwd PE 9.28
P/S 3.37
P/FCF 11.12
P/OCF 10.49
P/B 1.23
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)1.63
EY8.02%
EPS(NY)2.19
Fwd EY10.78%
FCF(TTM)1.83
FCFY8.99%
OCF(TTM)1.94
OCFY9.53%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)0.36
PEG (5Y)1.82
Graham Number24.57
Profitability
Industry RankSector 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 RankSector 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
WACC7.62%
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)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
EPS Next Y34.38%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%38.36%
Revenue Next Year12.35%
Revenue Next 2Y7.69%
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-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.


Can you provide the valuation status for OLD SECOND BANCORP INC?

ChartMill assigns a valuation rating of 6 / 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 12.47 and the Price/Book (PB) ratio is 1.23.


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.