OLD SECOND BANCORP INC (OSBC) Fundamental Analysis & Valuation

NASDAQ:OSBC • US6802771005

19.635 USD
+0.01 (+0.03%)
Last: Mar 11, 2026, 11:10 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OSBC. OSBC was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of OSBC while its profitability can be described as average. OSBC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. OSBC Profitability Analysis

1.1 Basic Checks

  • OSBC had positive earnings in the past year.
  • In the past year OSBC had a positive cash flow from operations.
  • 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

  • OSBC has a better Return On Assets (1.16%) than 71.39% of its industry peers.
  • OSBC has a Return On Equity of 8.96%. This is comparable to the rest of the industry: OSBC outperforms 49.87% 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

  • OSBC has a Profit Margin (23.67%) which is in line with 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) 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • OSBC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, OSBC has more shares outstanding
  • 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

  • The Debt to FCF ratio of OSBC is 1.05, which is an excellent value as it means it would take OSBC, only 1.05 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of OSBC (1.05) is better than 66.93% 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 comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC7.44%
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.
  • The Earnings Per Share has been growing slightly by 6.86% on average over the past years.
  • The Revenue has grown by 18.87% in the past year. This is quite good.
  • OSBC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.28% yearly.
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

  • OSBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.14% yearly.
  • 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.
  • When comparing the Revenue 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 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. OSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.05, which indicates a correct valuation of OSBC.
  • The rest of the industry has a similar Price/Earnings ratio as OSBC.
  • When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (26.25), we can say OSBC is valued rather cheaply.
  • OSBC is valuated reasonably with a Price/Forward Earnings ratio of 8.93.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 74.28% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of OSBC to the average of the S&P500 Index (24.39), we can say OSBC is valued rather cheaply.
Industry RankSector Rank
PE 12.05
Fwd PE 8.93
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 75.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.79
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

  • OSBC's 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)0.34
PEG (5Y)1.76
EPS Next 2Y19.14%
EPS Next 3YN/A

More info and screens

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%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.86, OSBC is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.82, 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 paid a dividend for at least 10 years, which is 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)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

  • 15.24% 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.
DP15.24%
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 (3/11/2026, 11:10:45 AM)

19.635

+0.01 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners71.84%
Inst Owner Change2.28%
Ins Owners4.27%
Ins Owner Change-0.66%
Market Cap1.03B
Revenue(TTM)339.33M
Net Income(TTM)80.31M
Analysts83.33
Price Target24.31 (23.81%)
Short Float %2.91%
Short Ratio4.33
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)0.14%
PT rev (3m)7.92%
EPS NQ rev (1m)0.59%
EPS NQ rev (3m)0.17%
EPS NY rev (1m)0.41%
EPS NY rev (3m)0.22%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.69%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 8.93
P/S 3.05
P/FCF 8.79
P/OCF 8.46
P/B 1.15
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)1.63
EY8.3%
EPS(NY)2.2
Fwd EY11.2%
FCF(TTM)2.23
FCFY11.38%
OCF(TTM)2.32
OCFY11.82%
SpS6.44
BVpS17.02
TBVpS13.94
PEG (NY)0.34
PEG (5Y)1.76
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
WACC7.44%
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 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.


What is the profitability of OSBC stock?

OLD SECOND BANCORP INC (OSBC) has a profitability rating of 4 / 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 12.05 and the Price/Book (PB) ratio is 1.15.


What is the financial health of OLD SECOND BANCORP INC (OSBC) stock?

The financial health rating of OLD SECOND BANCORP INC (OSBC) is 3 / 10.