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OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis

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

18.33  -0.42 (-2.24%)

After market: 18.33 0 (0%)

Fundamental Rating

3

OSBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC is valued correctly, but it does not seem to be growing.


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.
Of the past 5 years OSBC 4 years were profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

1.2 Ratios

With an excellent Return On Assets value of 1.49%, OSBC belongs to the best of the industry, outperforming 89.97% of the companies in the same industry.
Looking at the Return On Equity, with a value of 12.76%, OSBC belongs to the top of the industry, outperforming 86.97% of the companies in the same industry.
Industry RankSector Rank
ROA 1.49%
ROE 12.76%
ROIC N/A
ROA(3y)1.02%
ROA(5y)1.1%
ROE(3y)11.5%
ROE(5y)11.55%
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 5 10 15

1.3 Margins

OSBC has a Profit Margin of 29.90%. This is amongst the best in the industry. OSBC outperforms 83.71% of its industry peers.
In the last couple of years the Profit Margin of OSBC has grown nicely.
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) 29.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.25%
PM growth 5Y2.89%
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 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of OSBC is 1.12, which is an excellent value as it means it would take OSBC, only 1.12 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.12, OSBC is doing good in the industry, outperforming 75.94% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that OSBC is not too dependend on debt financing.
OSBC's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. OSBC outperforms 47.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.12
Altman-Z N/A
ROIC/WACCN/A
WACC7.63%
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 100M 200M 300M 400M 500M

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 100M 200M 300M 400M

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1

3. Growth

3.1 Past

The earnings per share for OSBC have decreased by -7.43% 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.
EPS 1Y (TTM)-7.43%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.65%

3.2 Future

The Earnings Per Share is expected to grow by 0.32% on average over the next years.
Based on estimates for the next years, OSBC will show a small growth in Revenue. The Revenue will grow by 1.39% on average per year.
EPS Next Y0.29%
EPS Next 2Y0.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.23%
Revenue Next 2Y1.39%
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 decreasing.
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 50M 100M 150M 200M 250M
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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6

4. Valuation

4.1 Price/Earnings Ratio

OSBC is valuated reasonably with a Price/Earnings ratio of 9.80.
Compared to the rest of the industry, the Price/Earnings ratio of OSBC indicates a rather cheap valuation: OSBC is cheaper than 84.21% of the companies listed in the same industry.
OSBC is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.77, which indicates a very decent valuation of OSBC.
Based on the Price/Forward Earnings ratio, OSBC is valued a bit cheaper than 74.69% 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 22.70.
Industry RankSector Rank
PE 9.8
Fwd PE 9.77
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 cheaply inside the industry as 88.72% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.64
EV/EBITDA N/A
OSBC Per share dataOSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OSBC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)33.67
PEG (5Y)1.3
EPS Next 2Y0.32%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

OSBC has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.19, OSBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.27, OSBC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.28%

5.2 History

On average, the dividend of OSBC grows each year by 37.96%, which is quite nice.
OSBC has been paying a dividend for at least 10 years, so it has 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)37.96%
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 10.62% 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.
DP10.62%
EPS Next 2Y0.32%
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 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 (2/21/2025, 8:00:02 PM)

After market: 18.33 0 (0%)

18.33

-0.42 (-2.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22/amc
Earnings (Next)04-15 2025-04-15/amc
Inst Owners76.42%
Inst Owner Change-92.94%
Ins Owners4.64%
Ins Owner Change9.71%
Market Cap822.47M
Analysts85
Price Target22.1 (20.57%)
Short Float %0.71%
Short Ratio1.26
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
Yearly Dividend0.2
Dividend Growth(5Y)37.96%
DP10.62%
Div Incr Years1
Div Non Decr Years8
Ex-Date01-31 2025-01-31 (0.06)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.6%
Min EPS beat(2)-0.51%
Max EPS beat(2)3.71%
EPS beat(4)1
Avg EPS beat(4)-6.34%
Min EPS beat(4)-26.93%
Max EPS beat(4)3.71%
EPS beat(8)2
Avg EPS beat(8)-3.58%
EPS beat(12)5
Avg EPS beat(12)1.1%
EPS beat(16)6
Avg EPS beat(16)3.37%
Revenue beat(2)0
Avg Revenue beat(2)-0.93%
Min Revenue beat(2)-1.32%
Max Revenue beat(2)-0.54%
Revenue beat(4)0
Avg Revenue beat(4)-2.28%
Min Revenue beat(4)-6%
Max Revenue beat(4)-0.54%
Revenue beat(8)1
Avg Revenue beat(8)-3.21%
Revenue beat(12)3
Avg Revenue beat(12)-2.19%
Revenue beat(16)4
Avg Revenue beat(16)-2.49%
PT rev (1m)4.84%
PT rev (3m)9.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.8
Fwd PE 9.77
P/S 2.91
P/FCF 6.64
P/OCF 6.02
P/B 1.24
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)1.87
EY10.2%
EPS(NY)1.88
Fwd EY10.23%
FCF(TTM)2.76
FCFY15.06%
OCF(TTM)3.04
OCFY16.61%
SpS6.29
BVpS14.74
TBVpS12.38
PEG (NY)33.67
PEG (5Y)1.3
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 12.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.9%
GM N/A
FCFM 43.87%
ROA(3y)1.02%
ROA(5y)1.1%
ROE(3y)11.5%
ROE(5y)11.55%
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 3Y14.25%
PM growth 5Y2.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.12
Debt/EBITDA N/A
Cap/Depr 165.53%
Cap/Sales 4.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 146.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.63%
ROIC/WACCN/A
Cap/Depr(3y)98.72%
Cap/Depr(5y)112.26%
Cap/Sales(3y)2.52%
Cap/Sales(5y)2.78%
Profit Quality(3y)132.17%
Profit Quality(5y)119.61%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.43%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%5%
EPS Next Y0.29%
EPS Next 2Y0.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.65%
Revenue Next Year1.23%
Revenue Next 2Y1.39%
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 1Y238.59%
FCF growth 3Y67.67%
FCF growth 5Y14.43%
OCF growth 1Y238.67%
OCF growth 3Y64.84%
OCF growth 5Y16.21%