OLD SECOND BANCORP INC (OSBC) Fundamental Analysis & Valuation

NASDAQ:OSBC • US6802771005

19.55 USD
-0.17 (-0.86%)
At close: Mar 6, 2026
19.55 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This OSBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OSBC. OSBC was compared to 379 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. OSBC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. OSBC Profitability Analysis

1.1 Basic Checks

  • In the past year OSBC was profitable.
  • In the past year OSBC had a positive cash flow from operations.
  • OSBC had positive earnings in 4 of the past 5 years.
  • Of the past 5 years OSBC 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of OSBC (1.01%) is comparable to the rest of the industry.
  • OSBC has a Return On Equity (8.15%) which is in line with its industry peers.
Industry RankSector 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
OSBC Yearly ROA, ROE, ROICOSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • OSBC has a Profit Margin (22.26%) which 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.
  • 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) 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
OSBC Yearly Profit, Operating, Gross MarginsOSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. OSBC Health Analysis

2.1 Basic Checks

  • OSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for OSBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
OSBC Yearly Shares OutstandingOSBC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of OSBC is 1.29, which is an excellent value as it means it would take OSBC, only 1.29 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of OSBC (1.29) is comparable to the rest of the industry.
  • OSBC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • OSBC has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC7.65%
OSBC Yearly LT Debt VS Equity VS FCFOSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. OSBC Growth Analysis

3.1 Past

  • The earnings per share for OSBC have decreased strongly by -12.83% in the last year.
  • The Earnings Per Share has been growing slightly by 6.86% on average over the past years.
EPS 1Y (TTM)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%38.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.08% on average over the next years. This is quite good.
  • OSBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.69% yearly.
EPS Next Y34.38%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.35%
Revenue Next 2Y7.69%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
OSBC Yearly Revenue VS EstimatesOSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
OSBC Yearly EPS VS EstimatesOSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. OSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.99, which indicates a very decent valuation of OSBC.
  • OSBC's Price/Earnings ratio is in line with the industry average.
  • OSBC is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.93, the valuation of OSBC can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than the industry average as 77.31% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of OSBC to the average of the S&P500 Index (24.57), we can say OSBC is valued rather cheaply.
Industry RankSector Rank
PE 11.99
Fwd PE 8.93
OSBC Price Earnings VS Forward Price EarningsOSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 63.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.7
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • OSBC's earnings are expected to grow with 19.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)1.75
EPS Next 2Y19.08%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. OSBC Dividend Analysis

5.1 Amount

  • OSBC has a Yearly Dividend Yield of 1.38%.
  • Compared to an average industry Dividend Yield of 2.73, OSBC is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.82, OSBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.38%

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
OSBC Yearly Dividends per shareOSBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 15.92% 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.
DP15.92%
EPS Next 2Y19.08%
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 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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OSBC Fundamentals: All Metrics, Ratios and Statistics

OLD SECOND BANCORP INC

NASDAQ:OSBC (3/6/2026, 8:00:02 PM)

After market: 19.55 0 (0%)

19.55

-0.17 (-0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners70.24%
Inst Owner Change2.15%
Ins Owners4.33%
Ins Owner Change-4.72%
Market Cap1.03B
Revenue(TTM)N/A
Net Income(TTM)70.63M
Analysts83.64
Price Target24.31 (24.35%)
Short Float %2.91%
Short Ratio4.33
Dividend
Industry RankSector Rank
Dividend Yield 1.38%
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP15.92%
Div Incr Years1
Div Non Decr Years8
Ex-Date01-30
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)7.92%
PT rev (3m)7.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 11.99
Fwd PE 8.93
P/S 3.25
P/FCF 10.7
P/OCF 10.09
P/B 1.19
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)1.63
EY8.34%
EPS(NY)2.19
Fwd EY11.2%
FCF(TTM)1.83
FCFY9.35%
OCF(TTM)1.94
OCFY9.91%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)0.35
PEG (5Y)1.75
Graham Number24.57
Profitability
Industry RankSector 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 RankSector 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
WACC7.65%
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)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
EPS Next Y34.38%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%38.36%
Revenue Next Year12.35%
Revenue Next 2Y7.69%
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-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 6 / 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 11.99 and the Price/Book (PB) ratio is 1.19.


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.