OSBC Fundamental Analysis - OLD SECOND BANCORP INC

Fundamental Rating

Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 392 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 is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year OSBC was profitable.

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

With an excellent Return On Assets value of 1.47%, OSBC belongs to the best of the industry, outperforming 88.52% of the companies in the same industry.

OSBC's Return On Equity of 11.65% is amongst the best of the industry. OSBC outperforms 80.10% 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's Profit Margin of 28.61% is fine compared to the rest of the industry. OSBC outperforms 76.53% of its industry peers.

In the last couple of years the Profit Margin of OSBC has remained more or less at the same level.

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.

The number of shares outstanding for OSBC has been increased compared to 1 year ago.

The number of shares outstanding for OSBC has been increased compared to 5 years ago.

OSBC has a better debt/assets ratio than last year.

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.

OSBC has a better Debt to FCF ratio (1.23) than 64.54% 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 Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.23
Altman-Z	N/A

ROIC/WACCN/A

WACC7.54%

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%.

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

OSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.57% yearly.

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

The Earnings Per Share is expected to grow by 5.08% on average over the next years.

Based on estimates for the next years, OSBC will show a quite strong growth in Revenue. The Revenue will grow by 9.80% on average per year.

EPS Next Y-7.6%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

OSBC is valuated reasonably with a Price/Earnings ratio of 9.98.

Based on the Price/Earnings ratio, OSBC is valued cheaply inside the industry as 83.16% of the companies are valued more expensively.

OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.

The Price/Forward Earnings ratio is 8.55, which indicates a very decent valuation of OSBC.

OSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 79.59% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.73. OSBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.98
Fwd PE	8.55

4.2 Price Multiples

76.53% 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	8.93
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.32

EPS Next 2Y6.84%

EPS Next 3Y5.08%

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5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.31%.

Compared to an average industry Dividend Yield of 3.73, OSBC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.38, OSBC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.31%

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.

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

OSBC pays out 12.34% of its income as dividend. This is a 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 2Y6.84%

EPS Next 3Y5.08%

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OLD SECOND BANCORP INC

NASDAQ:OSBC (9/12/2025, 8:06:24 PM)

After market: 18.26 0 (0%)

18.26

-0.13 (-0.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-14 2025-10-14/amc

Inst Owners63.44%

Inst Owner Change-3.93%

Ins Owners4.76%

Ins Owner Change0.41%

Market Cap961.39M

Analysts85

Price Target22.19 (21.52%)

Short Float %0.8%

Short Ratio1.86

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.31%

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)6.1%

EPS NQ rev (1m)-12.01%

EPS NQ rev (3m)-23.91%

EPS NY rev (1m)-4.29%

EPS NY rev (3m)0.83%

Revenue NQ rev (1m)-0.08%

Revenue NQ rev (3m)9.71%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)3.3%

Valuation

		Industry Rank	Sector Rank
PE	9.98
Fwd PE	8.55
P/S	3.29
P/FCF	8.93
P/OCF	8.39
P/B	1.34
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)1.83

EY10.02%

EPS(NY)2.13

Fwd EY11.69%

FCF(TTM)2.05

FCFY11.2%

OCF(TTM)2.18

OCFY11.92%

SpS5.56

BVpS13.65

TBVpS11.32

PEG (NY)N/A

PEG (5Y)1.32

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	64.35%
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

WACC7.54%

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)-3.17%

EPS 3Y11.47%

EPS 5Y7.54%

EPS Q2Q%0%

EPS Next Y-7.6%

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