19.72 USD
+0.21 (+1.08%)
Taking everything into account, OSBC scores 3 out of 10 in our fundamental rating. OSBC was compared to 383 industry peers in the Banks industry. OSBC may be in some trouble as it scores bad on both profitability and health. OSBC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year OSBC was profitable.
- OSBC had a positive operating cash flow in the past year.
- Of the past 5 years OSBC 4 years were profitable.
- OSBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 1.01%, OSBC is doing good in the industry, outperforming 61.36% of the companies in the same industry.
- With a Return On Equity value of 8.15%, OSBC perfoms like the industry average, outperforming 43.34% of the companies in the same industry.
| 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's Profit Margin of 22.26% is in line compared 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.
- 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.
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.
- Looking at the Debt to Equity ratio, with a value of 0.14, OSBC is in line with its industry, outperforming 56.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.74%
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 -12.83%.
- 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 18.41% on average per year.
- The Revenue is expected to grow by 7.62% on average over the next years.
EPS Next Y34.62%
EPS Next 2Y18.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.3%
Revenue Next 2Y7.62%
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.
4. Valuation
4.1 Price/Earnings Ratio
- OSBC is valuated correctly with a Price/Earnings ratio of 12.10.
- The rest of the industry has a similar Price/Earnings ratio as OSBC.
- OSBC is valuated cheaply when we compare the Price/Earnings ratio to 28.60, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 8.99, 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 79.37% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 25.83. OSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.1 | ||
| Fwd PE | 8.99 |
4.2 Price Multiples
- OSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OSBC is cheaper than 62.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- OSBC's 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 18.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)1.76
EPS Next 2Y18.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- OSBC has a Yearly Dividend Yield of 1.41%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.60, OSBC is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.82, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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
- 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 2Y18.41%
EPS Next 3YN/A
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 12.1 and the Price/Book (PB) ratio is 1.2.
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.