OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:OSBC • US6802771005

21.04 USD
+0.38 (+1.84%)
At close: Feb 6, 2026
21.04 USD
0 (0%)
After Hours: 2/6/2026, 8:00:02 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 381 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years OSBC 4 years were profitable.
  • 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

  • The Return On Assets of OSBC (1.01%) is better than 60.68% 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 of 22.26%. This is comparable to the rest of the industry: OSBC outperforms 40.89% of its industry peers.
  • OSBC's Profit Margin has been stable in the last couple of years.
  • 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

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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.
  • 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.
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

  • 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.
  • The Debt to FCF ratio of OSBC (1.29) 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 56.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC7.78%
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

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

3

3. Growth

3.1 Past

  • The earnings per share for OSBC have decreased strongly by -12.83% in the last year.
  • 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

  • OSBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.08% yearly.
  • Based on estimates for the next years, OSBC will show a small growth in Revenue. The Revenue will grow by 7.73% on average per year.
EPS Next Y34.38%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.5%
Revenue Next 2Y7.73%
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

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • OSBC is valuated correctly with a Price/Earnings ratio of 12.91.
  • The rest of the industry has a similar Price/Earnings ratio as OSBC.
  • OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
  • The Price/Forward Earnings ratio is 9.61, 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 77.60% of the companies are valued more expensively.
  • OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
Industry RankSector Rank
PE 12.91
Fwd PE 9.61
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

  • Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.51
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • OSBC's earnings are expected to grow with 19.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)1.88
EPS Next 2Y19.08%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • OSBC has a Yearly Dividend Yield of 1.36%.
  • OSBC's Dividend Yield is slightly below the industry average, which is at 2.53.
  • OSBC's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.36%

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
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

  • 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 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

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Find the best dividend stocksShow peers with best dividend

OLD SECOND BANCORP INC

NASDAQ:OSBC (2/6/2026, 8:00:02 PM)

After market: 21.04 0 (0%)

21.04

+0.38 (+1.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners70.24%
Inst Owner Change-0.62%
Ins Owners4.33%
Ins Owner Change-0.11%
Market Cap1.11B
Revenue(TTM)N/A
Net Income(TTM)70.63M
Analysts85
Price Target24.28 (15.4%)
Short Float %2.22%
Short Ratio3.52
Dividend
Industry RankSector Rank
Dividend Yield 1.36%
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 12.91
Fwd PE 9.61
P/S 3.49
P/FCF 11.51
P/OCF 10.86
P/B 1.28
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)1.63
EY7.75%
EPS(NY)2.19
Fwd EY10.41%
FCF(TTM)1.83
FCFY8.69%
OCF(TTM)1.94
OCFY9.21%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)0.38
PEG (5Y)1.88
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
WACC7.78%
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 Year12.5%
Revenue Next 2Y7.73%
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 12.91 and the Price/Book (PB) ratio is 1.28.


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.