OLD SECOND BANCORP INC (OSBC)
US6802771005 - Common Stock
Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 406 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
OSBC had positive earnings in each of the past 5 years.
OSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OSBC has a better Return On Assets (1.49%) than 90.35% of its industry peers.
OSBC has a Return On Equity of 12.76%. This is amongst the best in the industry. OSBC outperforms 87.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 12.76% | ||
| ROIC | N/A |
ROA(3y)1.02%
ROA(5y)1.1%
ROE(3y)11.5%
ROE(5y)11.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 29.90%, OSBC belongs to the top of the industry, outperforming 83.91% of the companies in the same industry.
In the last couple of years the Profit Margin of OSBC has grown nicely.
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) | 29.9% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.25%
PM growth 5Y2.89%
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.
OSBC has more shares outstanding than it did 1 year ago.
OSBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, OSBC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OSBC is 1.12, which is an excellent value as it means it would take OSBC, only 1.12 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.12, OSBC is doing good in the industry, outperforming 76.24% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that OSBC is not too dependend on debt financing.
OSBC's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. OSBC outperforms 47.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for OSBC have decreased strongly by -13.55% in the last year.
Measured over the past years, OSBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.52% on average per year.
Looking at the last year, OSBC shows a decrease in Revenue. The Revenue has decreased by -2.41% in the last year.
Measured over the past years, OSBC shows a quite strong growth in Revenue. The Revenue has been growing by 18.53% on average per year.
EPS 1Y (TTM)-13.55%
EPS 3Y19.97%
EPS 5Y12.52%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)-2.41%
Revenue growth 3Y30.31%
Revenue growth 5Y18.53%
Sales Q2Q%3.45%
3.2 Future
The Earnings Per Share is expected to decrease by -1.91% on average over the next years.
The Revenue is expected to decrease by -0.56% on average over the next years.
EPS Next Y-2.82%
EPS Next 2Y-4.13%
EPS Next 3Y-1.91%
EPS Next 5YN/A
Revenue Next Year-2.85%
Revenue Next 2Y-1.71%
Revenue Next 3Y-0.56%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.55, the valuation of OSBC can be described as very reasonable.
86.63% of the companies in the same industry are more expensive than OSBC, based on the Price/Earnings ratio.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.
A Price/Forward Earnings ratio of 9.51 indicates a reasonable valuation of OSBC.
OSBC's Price/Forward Earnings ratio is rather cheap when compared to the industry. OSBC is cheaper than 81.19% of the companies in the same industry.
OSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.55 | ||
| Fwd PE | 9.51 |
4.2 Price Multiples
87.87% of the companies in the same industry are more expensive than OSBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.76
EPS Next 2Y-4.13%
EPS Next 3Y-1.91%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.30%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.02.
Compared to an average S&P500 Dividend Yield of 2.24, OSBC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
5.2 History
On average, the dividend of OSBC grows each year by 37.96%, 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)37.96%
Div Incr Years1
Div Non Decr Years8
5.3 Sustainability
10.62% of the earnings are spent on dividend by OSBC. This is a low number and sustainable payout ratio.
DP10.62%
EPS Next 2Y-4.13%
EPS Next 3Y-1.91%
OLD SECOND BANCORP INC
NASDAQ:OSBC (12/20/2024, 8:00:02 PM)
After market: 17.66 0 (0%)17.66
+0.38 (+2.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.98%
Inst Owner Change0.4%
Ins Owners3.23%
Ins Owner Change0%
Market Cap792.05M
Analysts83.33
Price Target20.15 (14.1%)
Short Float %0.78%
Short Ratio1.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
Dividend Growth(5Y)37.96%
DP10.62%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.6%
Min EPS beat(2)-0.51%
Max EPS beat(2)3.71%
EPS beat(4)1
Avg EPS beat(4)-6.34%
Min EPS beat(4)-26.93%
Max EPS beat(4)3.71%
EPS beat(8)2
Avg EPS beat(8)-3.58%
EPS beat(12)5
Avg EPS beat(12)1.1%
EPS beat(16)6
Avg EPS beat(16)3.37%
Revenue beat(2)0
Avg Revenue beat(2)-0.93%
Min Revenue beat(2)-1.32%
Max Revenue beat(2)-0.54%
Revenue beat(4)0
Avg Revenue beat(4)-2.28%
Min Revenue beat(4)-6%
Max Revenue beat(4)-0.54%
Revenue beat(8)1
Avg Revenue beat(8)-3.21%
Revenue beat(12)3
Avg Revenue beat(12)-2.19%
Revenue beat(16)4
Avg Revenue beat(16)-2.49%
PT rev (1m)0%
PT rev (3m)2.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.28%
EPS NY rev (1m)0%
EPS NY rev (3m)1.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.55 | ||
| Fwd PE | 9.51 | ||
| P/S | 2.81 | ||
| P/FCF | 6.4 | ||
| P/OCF | 5.8 | ||
| P/B | 1.2 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.85
EY10.48%
EPS(NY)1.86
Fwd EY10.51%
FCF(TTM)2.76
FCFY15.63%
OCF(TTM)3.05
OCFY17.25%
SpS6.29
BVpS14.75
TBVpS12.39
PEG (NY)N/A
PEG (5Y)0.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 12.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.9% | ||
| GM | N/A | ||
| FCFM | 43.87% |
ROA(3y)1.02%
ROA(5y)1.1%
ROE(3y)11.5%
ROE(5y)11.55%
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 3Y14.25%
PM growth 5Y2.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 165.53% | ||
| Cap/Sales | 4.53% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 146.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.69%
ROIC/WACCN/A
Cap/Depr(3y)98.72%
Cap/Depr(5y)112.26%
Cap/Sales(3y)2.52%
Cap/Sales(5y)2.78%
Profit Quality(3y)132.17%
Profit Quality(5y)119.61%
High Growth Momentum
Growth
EPS 1Y (TTM)-13.55%
EPS 3Y19.97%
EPS 5Y12.52%
EPS Q2Q%-7.41%
EPS Next Y-2.82%
EPS Next 2Y-4.13%
EPS Next 3Y-1.91%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.41%
Revenue growth 3Y30.31%
Revenue growth 5Y18.53%
Sales Q2Q%3.45%
Revenue Next Year-2.85%
Revenue Next 2Y-1.71%
Revenue Next 3Y-0.56%
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 1Y238.59%
FCF growth 3Y67.67%
FCF growth 5Y14.43%
OCF growth 1Y238.67%
OCF growth 3Y64.84%
OCF growth 5Y16.21%