OSBC Fundamental Analysis - OLD SECOND BANCORP INC

Fundamental Rating

OSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. OSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. OSBC has a decent growth rate and is not valued too expensively.

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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.

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 Return On Assets of 1.47%. This is amongst the best in the industry. OSBC outperforms 88.49% of its industry peers.

With an excellent Return On Equity value of 11.65%, OSBC belongs to the best of the industry, outperforming 80.05% of the companies in the same industry.

		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

The Profit Margin of OSBC (28.61%) is better than 76.47% of its industry peers.

OSBC's Profit Margin has been stable in the last couple of years.

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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 5 years ago, OSBC has more shares outstanding

Compared to 1 year ago, OSBC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of OSBC is 1.23, which is an excellent value as it means it would take OSBC, only 1.23 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of OSBC (1.23) is better than 63.94% of its industry peers.

A Debt/Equity ratio of 0.18 indicates that OSBC is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.18, OSBC perfoms like the industry average, outperforming 47.06% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.23
Altman-Z	N/A

ROIC/WACCN/A

WACC7.45%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

OSBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.17%.

The Earnings Per Share has been growing slightly by 7.54% on average over the past years.

OSBC shows a small growth in Revenue. In the last year, the Revenue has grown by 3.03%.

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)-3.17%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%0%

Revenue 1Y (TTM)3.03%

Revenue growth 3Y28.04%

Revenue growth 5Y16.57%

Sales Q2Q%6.09%

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 5.08% on average per year.

OSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.80% yearly.

EPS Next Y-7.45%

EPS Next 2Y6.84%

EPS Next 3Y5.08%

EPS Next 5YN/A

Revenue Next Year18.06%

Revenue Next 2Y14.48%

Revenue Next 3Y9.8%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.33 indicates a reasonable valuation of OSBC.

Based on the Price/Earnings ratio, OSBC is valued cheaper than 83.38% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.40. OSBC is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 8.00 indicates a rather cheap valuation of OSBC.

Compared to the rest of the industry, the Price/Forward Earnings ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 78.01% of the companies listed in the same industry.

OSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.33
Fwd PE	8

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than 77.49% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.35
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.24

EPS Next 2Y6.84%

EPS Next 3Y5.08%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.44%, OSBC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.63, OSBC is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.36, OSBC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.44%

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

5.3 Sustainability

12.34% 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.

DP12.34%

EPS Next 2Y6.84%

EPS Next 3Y5.08%

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OLD SECOND BANCORP INC

NASDAQ:OSBC (10/17/2025, 8:00:02 PM)

After market: 17.07 0 (0%)

17.07

+0.36 (+2.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-15 2025-10-15/amc

Earnings (Next)01-20 2026-01-20/amc

Inst Owners63.55%

Inst Owner Change0.22%

Ins Owners4.33%

Ins Owner Change0.41%

Market Cap898.74M

Analysts85

Price Target22.19 (29.99%)

Short Float %0.95%

Short Ratio1.88

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.44%

Yearly Dividend0.21

Dividend Growth(5Y)39.21%

DP12.34%

Div Incr Years1

Div Non Decr Years8

Ex-Date07-25 2025-07-25 (0.06)

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)0%

PT rev (3m)3.98%

EPS NQ rev (1m)14.29%

EPS NQ rev (3m)-13.88%

EPS NY rev (1m)0.16%

EPS NY rev (3m)-4.14%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)9.71%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.3%

Valuation

		Industry Rank	Sector Rank
PE	9.33
Fwd PE	8
P/S	3.07
P/FCF	8.35
P/OCF	7.84
P/B	1.25
P/tB	1.51
EV/EBITDA	N/A

EPS(TTM)1.83

EY10.72%

EPS(NY)2.13

Fwd EY12.51%

FCF(TTM)2.05

FCFY11.98%

OCF(TTM)2.18

OCFY12.75%

SpS5.56

BVpS13.65

TBVpS11.32

PEG (NY)N/A

PEG (5Y)1.24

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

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-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

WACC7.45%

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)-3.17%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%0%

EPS Next Y-7.45%

EPS Next 2Y6.84%

EPS Next 3Y5.08%

EPS Next 5YN/A

Revenue 1Y (TTM)3.03%

Revenue growth 3Y28.04%

Revenue growth 5Y16.57%

Sales Q2Q%6.09%

Revenue Next Year18.06%

Revenue Next 2Y14.48%

Revenue Next 3Y9.8%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens