19.9 USD
-1.36 (-6.4%)
19.9 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to OSBC. OSBC was compared to 383 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. OSBC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- OSBC had positive earnings in the past year.
- OSBC had a positive operating cash flow in the past year.
- OSBC had positive earnings in each of the past 5 years.
- 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 61.62% of the companies in the same industry.
- OSBC has a Return On Equity of 8.15%. This is comparable to the rest of the industry: OSBC outperforms 43.08% 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
- OSBC has a Profit Margin of 22.26%. This is comparable to the rest of the industry: OSBC outperforms 41.25% of its industry peers.
- 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.
- Compared to 1 year ago, OSBC has more shares outstanding
- OSBC has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, OSBC has an improved debt to assets ratio.
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.
- OSBC has a Debt to Equity ratio (0.14) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.77%
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%.
- 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.
- The Revenue has grown by 12.43% in the past year. This is quite good.
- 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.
- The Revenue is expected to grow by 11.46% on average over the next years. This is quite good.
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
- Based on the Price/Earnings ratio of 13.18, the valuation of OSBC can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of OSBC is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, OSBC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.07, the valuation of OSBC can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 71.02% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. OSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 9.07 |
4.2 Price Multiples
- OSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.75
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
- OSBC has a Yearly Dividend Yield of 1.37%. Purely for dividend investing, there may be better candidates out there.
- OSBC's Dividend Yield is slightly below the industry average, which is at 2.84.
- Compared to the average S&P500 Dividend Yield of 1.82, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
- On average, the dividend of OSBC grows each year by 39.21%, which is quite nice.
- 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.
- The dividend of OSBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP15.92%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
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 13.18 and the Price/Book (PB) ratio is 1.21.
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.