OLD SECOND BANCORP INC (OSBC) Fundamental Analysis & Valuation

NASDAQ:OSBC • US6802771005

Current stock price

20.74 USD
+0.29 (+1.42%)
At close:
20.74 USD
0 (0%)
After Hours:

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

4

1. OSBC Profitability Analysis

1.1 Basic Checks

  • OSBC had positive earnings in the past year.
  • OSBC had a positive operating cash flow in the past year.
  • Each year in the past 5 years OSBC has been profitable.
  • OSBC had a positive operating cash flow in each of the past 5 years.
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 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.16%, OSBC is in the better half of the industry, outperforming 70.79% of the companies in the same industry.
  • OSBC has a Return On Equity of 8.96%. This is comparable to the rest of the industry: OSBC outperforms 47.89% of its industry peers.
Industry RankSector Rank
ROA 1.16%
ROE 8.96%
ROIC N/A
ROA(3y)1.43%
ROA(5y)1.15%
ROE(3y)12.52%
ROE(5y)11.23%
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 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 23.67%, OSBC perfoms like the industry average, outperforming 42.37% of the companies in the same industry.
  • In the last couple of years the Profit Margin of OSBC has grown nicely.
  • 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) 23.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.34%
PM growth 5Y1.94%
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 2025 10 20 30

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3

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.
  • Compared to 1 year ago, OSBC has more shares outstanding
  • 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.
OSBC Yearly Shares OutstandingOSBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
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 2025 2B 4B 6B

2.2 Solvency

  • OSBC has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
  • OSBC has a better Debt to FCF ratio (1.05) than 67.63% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that OSBC is not too dependend on debt financing.
  • OSBC has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: OSBC outperforms 57.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC7.67%
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 2025 200M 400M 600M 800M

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 2025 100M 200M 300M 400M

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

5

3. OSBC Growth Analysis

3.1 Past

  • The earnings per share for OSBC have decreased strongly by -12.83% in the last year.
  • OSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.86% yearly.
  • Looking at the last year, OSBC shows a quite strong growth in Revenue. The Revenue has grown by 18.87% in the last year.
  • The Revenue has been growing by 21.28% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
Revenue 1Y (TTM)18.87%
Revenue growth 3Y10.82%
Revenue growth 5Y21.28%
Sales Q2Q%38.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.14% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 7.69% on average over the next years.
EPS Next Y34.93%
EPS Next 2Y19.14%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less 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

  • A Price/Earnings ratio of 12.72 indicates a correct valuation of OSBC.
  • The rest of the industry has a similar Price/Earnings ratio as OSBC.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, OSBC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.43, 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 69.21% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. OSBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.72
Fwd PE 9.43
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

  • 72.89% of the companies in the same industry are more expensive than OSBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.28
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.
  • A more expensive valuation may be justified as OSBC's earnings are expected to grow with 19.14% in the coming years.
PEG (NY)0.36
PEG (5Y)1.86
EPS Next 2Y19.14%
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 1.42%.
  • OSBC's Dividend Yield is slightly below the industry average, which is at 2.66.
  • Compared to the average S&P500 Dividend Yield of 1.88, OSBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.42%

5.2 History

  • The dividend of OSBC is nicely growing with an annual growth rate of 44.24%!
  • 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)44.24%
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

  • OSBC pays out 15.24% 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.
DP15.24%
EPS Next 2Y19.14%
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 2025 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 (4/2/2026, 8:00:02 PM)

After market: 20.74 0 (0%)

20.74

+0.29 (+1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners71.84%
Inst Owner Change2.28%
Ins Owners4.27%
Ins Owner Change-2.18%
Market Cap1.09B
Revenue(TTM)339.33M
Net Income(TTM)80.31M
Analysts83.33
Price Target24.31 (17.21%)
Short Float %3.14%
Short Ratio4.1
Dividend
Industry RankSector Rank
Dividend Yield 1.42%
Yearly Dividend0.25
Dividend Growth(5Y)44.24%
DP15.24%
Div Incr Years1
Div Non Decr Years8
Ex-Date01-30
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-22.12%
Min EPS beat(2)-50.75%
Max EPS beat(2)6.52%
EPS beat(4)1
Avg EPS beat(4)-13.02%
Min EPS beat(4)-50.75%
Max EPS beat(4)6.52%
EPS beat(8)2
Avg EPS beat(8)-7.99%
EPS beat(12)3
Avg EPS beat(12)-7.84%
EPS beat(16)5
Avg EPS beat(16)-6.61%
Revenue beat(2)0
Avg Revenue beat(2)-3.81%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)-1.63%
Revenue beat(4)0
Avg Revenue beat(4)-2.96%
Min Revenue beat(4)-5.99%
Max Revenue beat(4)-1.4%
Revenue beat(8)0
Avg Revenue beat(8)-2.42%
Revenue beat(12)0
Avg Revenue beat(12)-3.63%
Revenue beat(16)3
Avg Revenue beat(16)-2.37%
PT rev (1m)0%
PT rev (3m)7.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.17%
EPS NY rev (1m)0.41%
EPS NY rev (3m)0.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 12.72
Fwd PE 9.43
P/S 3.22
P/FCF 9.28
P/OCF 8.94
P/B 1.22
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)1.63
EY7.86%
EPS(NY)2.2
Fwd EY10.6%
FCF(TTM)2.23
FCFY10.78%
OCF(TTM)2.32
OCFY11.19%
SpS6.44
BVpS17.02
TBVpS13.94
PEG (NY)0.36
PEG (5Y)1.86
Graham Number24.98
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 8.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.67%
GM N/A
FCFM 34.7%
ROA(3y)1.43%
ROA(5y)1.15%
ROE(3y)12.52%
ROE(5y)11.23%
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 3Y-4.34%
PM growth 5Y1.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr 42.13%
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 146.63%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.67%
ROIC/WACCN/A
Cap/Depr(3y)118.21%
Cap/Depr(5y)94.52%
Cap/Sales(3y)3.14%
Cap/Sales(5y)2.53%
Profit Quality(3y)133.88%
Profit Quality(5y)136.95%
High Growth Momentum
Growth
EPS 1Y (TTM)-12.83%
EPS 3Y3.04%
EPS 5Y6.86%
EPS Q2Q%28.57%
EPS Next Y34.93%
EPS Next 2Y19.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.87%
Revenue growth 3Y10.82%
Revenue growth 5Y21.28%
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-2.47%
FCF growth 3Y8.18%
FCF growth 5Y39.78%
OCF growth 1Y-7.05%
OCF growth 3Y7.9%
OCF growth 5Y36.3%

OLD SECOND BANCORP INC / OSBC Fundamental Analysis FAQ

What is the fundamental rating for OSBC stock?

ChartMill assigns a fundamental rating of 4 / 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.


How profitable is OLD SECOND BANCORP INC (OSBC) stock?

OLD SECOND BANCORP INC (OSBC) has a profitability rating of 4 / 10.


What is the expected EPS growth for OLD SECOND BANCORP INC (OSBC) stock?

The Earnings per Share (EPS) of OLD SECOND BANCORP INC (OSBC) is expected to grow by 34.93% in the next year.


Is the dividend of OLD SECOND BANCORP INC sustainable?

The dividend rating of OLD SECOND BANCORP INC (OSBC) is 5 / 10 and the dividend payout ratio is 15.24%.