20.99 USD
+0.53 (+2.59%)
20.99 USD
0 (0%)
OSBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- Each year in the past 5 years OSBC has been profitable.
- In the past 5 years OSBC always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 1.01%, OSBC is doing good in the industry, outperforming 61.88% of the companies in the same industry.
- OSBC's Return On Equity of 8.15% is in line compared to the rest of the industry. OSBC outperforms 43.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.15% | ||
| 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 (22.26%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of OSBC has remained more or less at the same level.
- 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) | 22.26% | ||
| 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.
- OSBC has a better debt/assets ratio than last year.
2.2 Solvency
- OSBC has a debt to FCF ratio of 1.29. This is a very positive value and a sign of high solvency as it would only need 1.29 years to pay back of all of its debts.
- OSBC's Debt to FCF ratio of 1.29 is in line compared to the rest of the industry. OSBC outperforms 59.27% of its industry peers.
- OSBC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.14, OSBC is in line with its industry, outperforming 56.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- OSBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.38%.
- The Earnings Per Share has been growing slightly by 7.54% on average over the past years.
- Looking at the last year, OSBC shows a quite strong growth in Revenue. The Revenue has grown by 12.43% in the last year.
- The Revenue has been growing by 16.57% on average over the past years. This is quite good.
EPS 1Y (TTM)-18.38%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-64%
Revenue 1Y (TTM)12.43%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
3.2 Future
- OSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
- OSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.46% yearly.
EPS Next Y-13.73%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue Next Year20.07%
Revenue Next 2Y16.18%
Revenue Next 3Y11.46%
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.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.90, which indicates a correct valuation of OSBC.
- OSBC's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (27.54), we can say OSBC is valued slightly cheaper.
- OSBC is valuated reasonably with a Price/Forward Earnings ratio of 9.57.
- OSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 70.76% of the companies in the same industry.
- OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 9.57 |
4.2 Price Multiples
- OSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.84
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.38%, OSBC has a reasonable but not impressive dividend return.
- OSBC's Dividend Yield is slightly below the industry average, which is at 2.90.
- Compared to the average S&P500 Dividend Yield of 1.92, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
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
- OSBC pays out 15.92% of its income as dividend. This is a sustainable payout ratio.
- OSBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.92%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
20.99
+0.53 (+2.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners70.24%
Inst Owner Change-0.05%
Ins Owners4.33%
Ins Owner Change0%
Market Cap1.11B
Revenue(TTM)317.31M
Net Income(TTM)70.63M
Analysts85
Price Target22.53 (7.34%)
Short Float %1.94%
Short Ratio2.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP15.92%
Div Incr Years1
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-26.69%
Min EPS beat(2)-50.75%
Max EPS beat(2)-2.64%
EPS beat(4)0
Avg EPS beat(4)-18%
Min EPS beat(4)-50.75%
Max EPS beat(4)-2.64%
EPS beat(8)1
Avg EPS beat(8)-12.17%
EPS beat(12)2
Avg EPS beat(12)-8.39%
EPS beat(16)5
Avg EPS beat(16)-3.67%
Revenue beat(2)0
Avg Revenue beat(2)-3.7%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)-1.4%
Revenue beat(4)0
Avg Revenue beat(4)-3.65%
Min Revenue beat(4)-5.99%
Max Revenue beat(4)-1.4%
Revenue beat(8)0
Avg Revenue beat(8)-2.97%
Revenue beat(12)1
Avg Revenue beat(12)-3.36%
Revenue beat(16)3
Avg Revenue beat(16)-2.56%
PT rev (1m)0%
PT rev (3m)1.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.37%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.78%
Revenue NQ rev (1m)0.53%
Revenue NQ rev (3m)2.45%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)1.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 9.57 | ||
| P/S | 3.48 | ||
| P/FCF | 11.49 | ||
| P/OCF | 10.84 | ||
| P/B | 1.28 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY7.19%
EPS(NY)2.19
Fwd EY10.45%
FCF(TTM)1.83
FCFY8.71%
OCF(TTM)1.94
OCFY9.23%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)N/A
PEG (5Y)1.84
Graham Number23.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A | ||
| FCFM | 30.33% |
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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 58.24% | ||
| Cap/Sales | 1.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.73%
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-13.73%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue 1Y (TTM)12.43%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
Revenue Next Year20.07%
Revenue Next 2Y16.18%
Revenue Next 3Y11.46%
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-16.1%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y-18.12%
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 3 / 10 to OSBC.
Can you provide the valuation status for OLD SECOND BANCORP INC?
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 3 / 10.
What is the valuation of OLD SECOND BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for OLD SECOND BANCORP INC (OSBC) is 13.9 and the Price/Book (PB) ratio is 1.28.
What is the financial health of OLD SECOND BANCORP INC (OSBC) stock?
The financial health rating of OLD SECOND BANCORP INC (OSBC) is 2 / 10.