18.52 USD
+0.57 (+3.18%)
18.52 USD
0 (0%)
Taking everything into account, OSBC scores 4 out of 10 in our fundamental rating. OSBC was compared to 388 industry peers in the Banks industry. OSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. OSBC has a correct valuation and a medium growth rate.
1. Profitability
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.
Each year in the past 5 years OSBC had a positive operating cash flow.
1.2 Ratios
OSBC has a better Return On Assets (1.47%) than 88.14% of its industry peers.
The Return On Equity of OSBC (11.65%) is better than 79.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 11.65% | ||
| 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
The Profit Margin of OSBC (28.61%) is better than 75.77% 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) | 28.61% | ||
| 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.
The number of shares outstanding for OSBC has been increased compared to 1 year ago.
The number of shares outstanding for OSBC has been increased compared to 5 years ago.
The debt/assets ratio for OSBC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of OSBC is 1.23, which is an excellent value as it means it would take OSBC, only 1.23 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of OSBC (1.23) is better than 62.11% of its industry peers.
OSBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
OSBC has a Debt to Equity ratio (0.18) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.55%
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%.
The Earnings Per Share has been growing slightly by 7.54% on average over the past years.
The Revenue has decreased by -0.23% in the past year.
Measured over the past years, OSBC shows a quite strong growth in Revenue. The Revenue has been growing by 16.57% on average per year.
EPS 1Y (TTM)-18.38%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-64%
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
3.2 Future
The Earnings Per Share is expected to grow by 6.92% on average over the next years.
The Revenue is expected to grow by 11.23% on average over the next years. This is quite good.
EPS Next Y-7.91%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue Next Year19.67%
Revenue Next 2Y15.9%
Revenue Next 3Y11.23%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
The Price/Earnings ratio is 12.26, which indicates a correct valuation of OSBC.
OSBC's Price/Earnings is on the same level as the industry average.
OSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
With a Price/Forward Earnings ratio of 8.44, 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 75.77% of the companies are valued more expensively.
OSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.26 | ||
| Fwd PE | 8.44 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than the industry average as 72.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.63
EPS Next 2Y8.33%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
OSBC has a Yearly Dividend Yield of 1.53%. Purely for dividend investing, there may be better candidates out there.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.39.
Compared to the average S&P500 Dividend Yield of 2.45, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
5.2 History
On average, the dividend of OSBC grows each year by 39.21%, which is quite nice.
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)39.21%
Div Incr Years1
Div Non Decr Years8
5.3 Sustainability
12.34% 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.
DP12.34%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
18.52
+0.57 (+3.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.55%
Inst Owner Change9.95%
Ins Owners4.33%
Ins Owner Change0%
Market Cap975.08M
Revenue(TTM)285.45M
Net Income(TTM)83.71M
Analysts85
Price Target22.53 (21.65%)
Short Float %2.28%
Short Ratio3.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
Yearly Dividend0.21
Dividend Growth(5Y)39.21%
DP12.34%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.92%
Min EPS beat(2)-5.2%
Max EPS beat(2)-2.64%
EPS beat(4)1
Avg EPS beat(4)-4.39%
Min EPS beat(4)-13.43%
Max EPS beat(4)3.71%
EPS beat(8)1
Avg EPS beat(8)-5.92%
EPS beat(12)3
Avg EPS beat(12)-3.77%
EPS beat(16)5
Avg EPS beat(16)-0.54%
Revenue beat(2)0
Avg Revenue beat(2)-2.11%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.4%
Revenue beat(4)0
Avg Revenue beat(4)-2.48%
Min Revenue beat(4)-4.39%
Max Revenue beat(4)-1.32%
Revenue beat(8)0
Avg Revenue beat(8)-3.09%
Revenue beat(12)2
Avg Revenue beat(12)-2.32%
Revenue beat(16)3
Avg Revenue beat(16)-2.29%
PT rev (1m)1.53%
PT rev (3m)1.53%
EPS NQ rev (1m)-0.46%
EPS NQ rev (3m)0.09%
EPS NY rev (1m)-0.49%
EPS NY rev (3m)-4.61%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.13%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.26 | ||
| Fwd PE | 8.44 | ||
| P/S | 3.33 | ||
| P/FCF | 9.05 | ||
| P/OCF | 8.51 | ||
| P/B | 1.36 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY8.15%
EPS(NY)2.19
Fwd EY11.85%
FCF(TTM)2.05
FCFY11.04%
OCF(TTM)2.18
OCFY11.75%
SpS5.56
BVpS13.65
TBVpS11.32
PEG (NY)N/A
PEG (5Y)1.63
Graham Number21.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 11.65% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.61% | ||
| GM | N/A | ||
| FCFM | 36.8% |
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 76.09% | ||
| Cap/Sales | 2.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.64% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.55%
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)-18.38%
EPS 3Y11.47%
EPS 5Y7.54%
EPS Q2Q%-64%
EPS Next Y-7.91%
EPS Next 2Y8.33%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
Revenue Next Year19.67%
Revenue Next 2Y15.9%
Revenue Next 3Y11.23%
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 1Y53.95%
FCF growth 3Y60.84%
FCF growth 5Y20.13%
OCF growth 1Y51.16%
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 4 / 10 to OSBC.
What is the valuation status for OSBC stock?
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 4 / 10.
Can you provide the financial health for OSBC stock?
The financial health rating of OLD SECOND BANCORP INC (OSBC) is 3 / 10.
Can you provide the expected EPS growth for OSBC stock?
The Earnings per Share (EPS) of OLD SECOND BANCORP INC (OSBC) is expected to decline by -7.91% in the next year.