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OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

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

18.96  +0.26 (+1.39%)

After market: 18.96 0 (0%)

Fundamental Rating

4

Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 394 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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4

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.
In the past 5 years OSBC always reported a positive cash flow from operatings.
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 1.46%. This is amongst the best in the industry. OSBC outperforms 88.58% of its industry peers.
With an excellent Return On Equity value of 12.06%, OSBC belongs to the best of the industry, outperforming 83.25% of the companies in the same industry.
Industry RankSector Rank
ROA 1.46%
ROE 12.06%
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

OSBC has a Profit Margin of 29.06%. This is in the better half of the industry: OSBC outperforms 79.95% 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 RankSector Rank
OM N/A
PM (TTM) 29.06%
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.
OSBC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, OSBC has more shares outstanding
OSBC has a better debt/assets ratio than last year.
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

The Debt to FCF ratio of OSBC is 1.33, which is an excellent value as it means it would take OSBC, only 1.33 years of fcf income to pay off all of its debts.
OSBC has a better Debt to FCF ratio (1.33) than 65.74% 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 RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.33
Altman-Z N/A
ROIC/WACCN/A
WACC7.85%
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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5

3. Growth

3.1 Past

The earnings per share for OSBC have decreased by -7.11% in the last year.
Measured over the past 5 years, OSBC shows a small growth in Earnings Per Share. The EPS has been growing by 7.54% on average per year.
Looking at the last year, OSBC shows a small growth in Revenue. The Revenue has grown by 1.16% in the last year.
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)-7.11%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-8.51%
Revenue 1Y (TTM)1.16%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%0.07%

3.2 Future

OSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.36% yearly.
OSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.34% yearly.
EPS Next Y-3.45%
EPS Next 2Y6.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.29%
Revenue Next 2Y13.34%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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5

4. Valuation

4.1 Price/Earnings Ratio

OSBC is valuated reasonably with a Price/Earnings ratio of 10.36.
Compared to the rest of the industry, the Price/Earnings ratio of OSBC indicates a rather cheap valuation: OSBC is cheaper than 81.22% of the companies listed in the same industry.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.52.
Based on the Price/Forward Earnings ratio of 8.96, the valuation of OSBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than 73.10% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of OSBC to the average of the S&P500 Index (35.58), we can say OSBC is valued rather cheaply.
Industry RankSector Rank
PE 10.36
Fwd PE 8.96
OSBC Price Earnings VS Forward Price EarningsOSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than the industry average as 60.66% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.66
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.37
EPS Next 2Y6.36%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.26%, OSBC has a reasonable but not impressive dividend return.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.31.
With a Dividend Yield of 1.26, OSBC pays less dividend than the S&P500 average, which is at 2.35.
Industry RankSector Rank
Dividend Yield 1.26%

5.2 History

On average, the dividend of OSBC grows each year by 39.21%, which is quite nice.
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
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

OSBC pays out 11.78% 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.
DP11.78%
EPS Next 2Y6.36%
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 (7/14/2025, 8:00:02 PM)

After market: 18.96 0 (0%)

18.96

+0.26 (+1.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-16 2025-07-16/amc
Inst Owners75.48%
Inst Owner Change0%
Ins Owners4.84%
Ins Owner Change11.35%
Market Cap991.99M
Analysts85
Price Target20.91 (10.28%)
Short Float %1.13%
Short Ratio2.29
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP11.78%
Div Incr Years1
Div Non Decr Years8
Ex-Date04-25 2025-04-25 (0.06)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.31%
Min EPS beat(2)-13.43%
Max EPS beat(2)-5.2%
EPS beat(4)1
Avg EPS beat(4)-3.86%
Min EPS beat(4)-13.43%
Max EPS beat(4)3.71%
EPS beat(8)2
Avg EPS beat(8)-5.21%
EPS beat(12)3
Avg EPS beat(12)-5.4%
EPS beat(16)5
Avg EPS beat(16)-0.84%
Revenue beat(2)0
Avg Revenue beat(2)-3.6%
Min Revenue beat(2)-4.39%
Max Revenue beat(2)-2.82%
Revenue beat(4)0
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-4.39%
Max Revenue beat(4)-0.54%
Revenue beat(8)0
Avg Revenue beat(8)-3.53%
Revenue beat(12)2
Avg Revenue beat(12)-2.52%
Revenue beat(16)3
Avg Revenue beat(16)-3.06%
PT rev (1m)0%
PT rev (3m)-7.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)5.36%
EPS NY rev (3m)-2.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.41%
Valuation
Industry RankSector Rank
PE 10.36
Fwd PE 8.96
P/S 3.44
P/FCF 10.66
P/OCF 9.72
P/B 1.43
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)1.83
EY9.65%
EPS(NY)2.12
Fwd EY11.16%
FCF(TTM)1.78
FCFY9.38%
OCF(TTM)1.95
OCFY10.29%
SpS5.51
BVpS13.27
TBVpS10.9
PEG (NY)N/A
PEG (5Y)1.37
Profitability
Industry RankSector Rank
ROA 1.46%
ROE 12.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.06%
GM N/A
FCFM 32.27%
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 1.33
Debt/EBITDA N/A
Cap/Depr 91.24%
Cap/Sales 3.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.85%
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)-7.11%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-8.51%
EPS Next Y-3.45%
EPS Next 2Y6.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.16%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%0.07%
Revenue Next Year14.29%
Revenue Next 2Y13.34%
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 1Y-26.44%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y-22.58%
OCF growth 3Y61.8%
OCF growth 5Y20.1%