OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

NASDAQ:OSBC • US6802771005

19.63 USD
-0.59 (-2.92%)
At close: Feb 27, 2026
19.63 USD
0 (0%)
After Hours: 2/27/2026, 8:25:39 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, OSBC scores 3 out of 10 in our fundamental rating. OSBC was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of OSBC have multiple concerns. OSBC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
  • OSBC had positive earnings in 4 of the past 5 years.
  • OSBC had a positive operating cash flow in 4 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 20M 40M 60M 80M 100M

1.2 Ratios

  • OSBC has a Return On Assets of 1.01%. This is comparable to the rest of the industry: OSBC outperforms 58.84% of its industry peers.
  • The Return On Equity of OSBC (8.15%) is comparable to the rest of the industry.
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

  • 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • 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 has a Debt to FCF ratio (1.29) which is in line with 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.
  • OSBC's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. OSBC outperforms 55.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC7.54%
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. Growth

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

  • Based on estimates for the next years, OSBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.08% on average per year.
  • 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

  • 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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.04, the valuation of OSBC can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as OSBC.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, OSBC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.96, the valuation of OSBC can be described as reasonable.
  • 78.10% of the companies in the same industry are more expensive than OSBC, based on the Price/Forward Earnings ratio.
  • OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 12.04
Fwd PE 8.96
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

  • Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than the industry average as 63.85% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.74
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 19.08% in the coming years.
PEG (NY)0.35
PEG (5Y)1.76
EPS Next 2Y19.08%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.38%, OSBC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.73, OSBC is paying slightly less dividend.
  • OSBC's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector 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
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.
  • The dividend of OSBC is growing, but the earnings are growing slower. 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

More info and screens

Find the best dividend stocksShow peers with best dividend

OLD SECOND BANCORP INC

NASDAQ:OSBC (2/27/2026, 8:25:39 PM)

After market: 19.63 0 (0%)

19.63

-0.59 (-2.92%)

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 (23.84%)
Short Float %2.26%
Short Ratio3.47
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 12.04
Fwd PE 8.96
P/S 3.26
P/FCF 10.74
P/OCF 10.13
P/B 1.19
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)1.63
EY8.3%
EPS(NY)2.19
Fwd EY11.16%
FCF(TTM)1.83
FCFY9.31%
OCF(TTM)1.94
OCFY9.87%
SpS6.02
BVpS16.46
TBVpS13.33
PEG (NY)0.35
PEG (5Y)1.76
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
WACC7.54%
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 12.04 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.