OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis
USA - NASDAQ:OSBC - US6802771005 - Common Stock
18.43 USD
+0.01 (+0.05%)
18.43 USD
0 (0%)
Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC is not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
OSBC has a better Return On Assets (1.47%) than 88.14% of its industry peers.
OSBC has a better Return On Equity (11.65%) than 78.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 11.65% | ||
| 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
OSBC has a Profit Margin of 28.61%. This is in the better half of the industry: OSBC outperforms 76.29% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.61% | ||
| 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.
OSBC has more shares outstanding than it did 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 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
OSBC has a Debt to FCF ratio of 1.23. This is in the better half of the industry: OSBC outperforms 63.40% 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.
OSBC has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.6%
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 -18.38% in the last year.
OSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.54% yearly.
OSBC shows a decrease in Revenue. In the last year, the revenue decreased by -0.23%.
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)-0.23%
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.
OSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.23% yearly.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.21, OSBC is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of OSBC is on the same level as its industry peers.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.35.
OSBC is valuated reasonably with a Price/Forward Earnings ratio of 8.40.
77.84% of the companies in the same industry are more expensive than OSBC, based on the Price/Forward Earnings ratio.
OSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.21 | ||
| Fwd PE | 8.4 |
4.2 Price Multiples
73.97% 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 | 9.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.62
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.54%.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.38.
OSBC's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
| Industry Rank | Sector 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.
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
12.34% 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.
DP12.34%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
18.43
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.55%
Inst Owner Change2.51%
Ins Owners4.33%
Ins Owner Change0%
Market Cap970.34M
Revenue(TTM)285.45M
Net Income(TTM)83.71M
Analysts85
Price Target22.53 (22.25%)
Short Float %2.09%
Short Ratio3.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP12.34%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.92%
Min EPS beat(2)-5.2%
Max EPS beat(2)-2.64%
EPS beat(4)1
Avg EPS beat(4)-4.39%
Min EPS beat(4)-13.43%
Max EPS beat(4)3.71%
EPS beat(8)1
Avg EPS beat(8)-5.92%
EPS beat(12)3
Avg EPS beat(12)-3.77%
EPS beat(16)5
Avg EPS beat(16)-0.54%
Revenue beat(2)0
Avg Revenue beat(2)-2.11%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.4%
Revenue beat(4)0
Avg Revenue beat(4)-2.48%
Min Revenue beat(4)-4.39%
Max Revenue beat(4)-1.32%
Revenue beat(8)0
Avg Revenue beat(8)-3.09%
Revenue beat(12)2
Avg Revenue beat(12)-2.32%
Revenue beat(16)3
Avg Revenue beat(16)-2.29%
PT rev (1m)1.53%
PT rev (3m)1.53%
EPS NQ rev (1m)13.76%
EPS NQ rev (3m)21.06%
EPS NY rev (1m)-0.49%
EPS NY rev (3m)-4.61%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.13%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.21 | ||
| Fwd PE | 8.4 | ||
| P/S | 3.32 | ||
| P/FCF | 9.01 | ||
| P/OCF | 8.47 | ||
| P/B | 1.35 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY8.19%
EPS(NY)2.19
Fwd EY11.91%
FCF(TTM)2.05
FCFY11.1%
OCF(TTM)2.18
OCFY11.81%
SpS5.56
BVpS13.65
TBVpS11.32
PEG (NY)N/A
PEG (5Y)1.62
Graham Number21.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 11.65% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.61% | ||
| GM | N/A | ||
| FCFM | 36.8% |
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 76.09% | ||
| Cap/Sales | 2.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.64% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.6%
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)-0.23%
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 1Y53.95%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y51.16%
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 4 / 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.