19.62 USD
-0.01 (-0.05%)
19.62 USD
0 (0%)
Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of OSBC have multiple concerns. OSBC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year OSBC was profitable.
In the past year OSBC had a positive cash flow from operations.
OSBC had positive earnings in each of the past 5 years.
In the past 5 years OSBC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of OSBC (1.01%) is better than 61.76% of its industry peers.
OSBC has a Return On Equity (8.15%) which is in line with 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
The Profit Margin of OSBC (22.26%) is comparable to the rest of the 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) | 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.
The number of shares outstanding for OSBC has been increased compared to 1 year ago.
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
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.
With a decent Debt to FCF ratio value of 1.29, OSBC is doing good in the industry, outperforming 60.72% of the companies in the same industry.
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 of 0.14. This is comparable to the rest of the industry: OSBC outperforms 56.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.66%
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%.
The Earnings Per Share has been growing slightly by 7.54% on average over the past years.
OSBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.43%.
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.
The Revenue is expected to grow by 11.23% on average over the next years. This is quite good.
EPS Next Y-7.91%
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
The Price/Earnings ratio is 12.99, which indicates a correct valuation of OSBC.
OSBC's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (26.46), we can say OSBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.94, the valuation of OSBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than 72.87% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, OSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 8.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than 61.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.72
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.43%, OSBC has a reasonable but not impressive dividend return.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.15.
Compared to the average S&P500 Dividend Yield of 2.32, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
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
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 2Y8.33%
EPS Next 3Y6.92%
19.62
-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 Cap1.03B
Revenue(TTM)317.31M
Net Income(TTM)70.63M
Analysts85
Price Target22.53 (14.83%)
Short Float %2.46%
Short Ratio3.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
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)1.53%
PT rev (3m)1.53%
EPS NQ rev (1m)-0.99%
EPS NQ rev (3m)5.72%
EPS NY rev (1m)-3.98%
EPS NY rev (3m)-0.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.91%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 8.94 | ||
| P/S | 3.26 | ||
| P/FCF | 10.74 | ||
| P/OCF | 10.13 | ||
| P/B | 1.19 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY7.7%
EPS(NY)2.19
Fwd EY11.18%
FCF(TTM)1.83
FCFY9.31%
OCF(TTM)1.94
OCFY9.87%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)N/A
PEG (5Y)1.72
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
WACC7.66%
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-7.91%
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 4 / 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 3 / 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 -7.91% in the next year.