19.84 USD
-0.14 (-0.7%)
At close: Jan 30, 2026
19.84 USD
0 (0%)
After Hours: 1/30/2026, 8:11:55 PM
OSBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. OSBC may be in some trouble as it scores bad on both profitability and health. OSBC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- OSBC had positive earnings in the past year.
- OSBC had a positive operating cash flow in the past year.
- Of the past 5 years OSBC 4 years were profitable.
- OSBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- OSBC's Return On Assets of 1.01% is fine compared to the rest of the industry. OSBC outperforms 61.36% of its industry peers.
- OSBC has a Return On Equity (8.15%) which is comparable to the rest of the 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
- With a Profit Margin value of 22.26%, OSBC perfoms like the industry average, outperforming 41.25% of the companies in the same industry.
- 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 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.
- A Debt/Equity ratio of 0.14 indicates that OSBC is not too dependend on debt financing.
- OSBC's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. OSBC outperforms 55.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.77%
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%.
- Measured over the past 5 years, OSBC shows a small growth in Earnings Per Share. The EPS has been growing by 6.86% on average per year.
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 18.41% on average per year.
- 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
- Based on the Price/Earnings ratio of 12.17, the valuation of OSBC can be described as correct.
- OSBC's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, OSBC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.04, the valuation of OSBC can be described as reasonable.
- Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than 79.11% of the companies in the same industry.
- OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.17 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than 62.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.86 | ||
| EV/EBITDA | N/A |
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.
- 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
- With a Yearly Dividend Yield of 1.40%, OSBC has a reasonable but not impressive dividend return.
- OSBC's Dividend Yield is slightly below the industry average, which is at 2.73.
- Compared to the average S&P500 Dividend Yield of 1.83, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
- On average, the dividend of OSBC grows each year by 39.21%, which is quite nice.
- 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.
- OSBC's earnings are growing slower than its dividend. 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 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 12.17 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.