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OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

NASDAQ:OSBC - Nasdaq - US6802771005 - Common Stock - Currency: USD

15.57  -0.03 (-0.19%)

After market: 15.57 0 (0%)

Fundamental Rating

4

Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 398 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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5

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.
In the past 5 years OSBC has always been profitable.
OSBC had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

OSBC has a Return On Assets of 1.51%. This is amongst the best in the industry. OSBC outperforms 90.70% of its industry peers.
The Return On Equity of OSBC (12.71%) is better than 85.93% of its industry peers.
Industry RankSector Rank
ROA 1.51%
ROE 12.71%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 29.87%, OSBC belongs to the top of the industry, outperforming 82.16% of the companies in the same industry.
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) 29.87%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

OSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OSBC has more shares outstanding
The number of shares outstanding for OSBC has been increased compared to 5 years ago.
Compared to 1 year ago, OSBC has an improved debt to assets ratio.
OSBC Yearly Shares OutstandingOSBC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

OSBC has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
The Debt to FCF ratio of OSBC (1.01) is better than 72.86% of its industry peers.
OSBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of OSBC (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.01
Altman-Z N/A
ROIC/WACCN/A
WACC7.41%
OSBC Yearly LT Debt VS Equity VS FCFOSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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4

3. Growth

3.1 Past

The earnings per share for OSBC have decreased by -7.43% in the last year.
The Earnings Per Share has been growing slightly by 7.54% on average over the past years.
Looking at the last year, OSBC shows a decrease in Revenue. The Revenue has decreased by -0.23% in the last year.
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)-7.43%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%5%
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%-1.65%

3.2 Future

Based on estimates for the next years, OSBC will show a small growth in Earnings Per Share. The EPS will grow by 5.73% on average per year.
The Revenue is expected to grow by 12.43% on average over the next years. This is quite good.
EPS Next Y1.13%
EPS Next 2Y5.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.51%
Revenue Next 2Y12.43%
Revenue Next 3YN/A
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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
OSBC Yearly Revenue VS EstimatesOSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
OSBC Yearly EPS VS EstimatesOSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.33, the valuation of OSBC can be described as very reasonable.
Based on the Price/Earnings ratio, OSBC is valued cheaply inside the industry as 89.45% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.79. OSBC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.23 indicates a reasonable valuation of OSBC.
OSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 73.37% 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 21.38.
Industry RankSector Rank
PE 8.33
Fwd PE 8.23
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 cheaper than 90.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.81
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)7.39
PEG (5Y)1.1
EPS Next 2Y5.73%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.54.
OSBC's Dividend Yield is slightly below the S&P500 average, which is at 2.47.
Industry RankSector Rank
Dividend Yield 1.54%

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

5.3 Sustainability

11.04% 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.
DP11.04%
EPS Next 2Y5.73%
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 2015 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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OLD SECOND BANCORP INC

NASDAQ:OSBC (4/25/2025, 8:00:01 PM)

After market: 15.57 0 (0%)

15.57

-0.03 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners76.42%
Inst Owner Change-49.87%
Ins Owners4.64%
Ins Owner Change13.05%
Market Cap701.43M
Analysts85
Price Target22.27 (43.03%)
Short Float %1.43%
Short Ratio2.66
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP11.04%
Div Incr Years1
Div Non Decr Years8
Ex-Date04-25 2025-04-25 (0.06)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.86%
Min EPS beat(2)-13.43%
Max EPS beat(2)3.71%
EPS beat(4)1
Avg EPS beat(4)-2.97%
Min EPS beat(4)-13.43%
Max EPS beat(4)3.71%
EPS beat(8)2
Avg EPS beat(8)-5.26%
EPS beat(12)4
Avg EPS beat(12)-4.47%
EPS beat(16)6
Avg EPS beat(16)2.66%
Revenue beat(2)0
Avg Revenue beat(2)-2.85%
Min Revenue beat(2)-4.39%
Max Revenue beat(2)-1.32%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-4.39%
Max Revenue beat(4)-0.54%
Revenue beat(8)0
Avg Revenue beat(8)-3.97%
Revenue beat(12)3
Avg Revenue beat(12)-2.18%
Revenue beat(16)4
Avg Revenue beat(16)-2.56%
PT rev (1m)-2.96%
PT rev (3m)5.64%
EPS NQ rev (1m)-0.37%
EPS NQ rev (3m)-1.55%
EPS NY rev (1m)2.21%
EPS NY rev (3m)1.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)10.88%
Valuation
Industry RankSector Rank
PE 8.33
Fwd PE 8.23
P/S 2.46
P/FCF 5.81
P/OCF 5.33
P/B 1.05
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)1.87
EY12.01%
EPS(NY)1.89
Fwd EY12.15%
FCF(TTM)2.68
FCFY17.21%
OCF(TTM)2.92
OCFY18.75%
SpS6.34
BVpS14.9
TBVpS12.11
PEG (NY)7.39
PEG (5Y)1.1
Profitability
Industry RankSector Rank
ROA 1.51%
ROE 12.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.87%
GM N/A
FCFM 42.3%
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
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 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 0.18
Debt/FCF 1.01
Debt/EBITDA N/A
Cap/Depr 117.76%
Cap/Sales 3.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 141.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.41%
ROIC/WACCN/A
Cap/Depr(3y)120.12%
Cap/Depr(5y)106.62%
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)-7.43%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%5%
EPS Next Y1.13%
EPS Next 2Y5.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%-1.65%
Revenue Next Year10.51%
Revenue Next 2Y12.43%
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 1Y16.07%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y13%
OCF growth 3Y61.8%
OCF growth 5Y20.1%