19.84 USD
-0.14 (-0.7%)
At close: Jan 30, 2026
19.84 USD
0 (0%)
After Hours: 1/30/2026, 8:11:55 PM
Overall OSBC gets a fundamental rating of 3 out of 10. We evaluated OSBC against 383 industry peers in the Banks industry. OSBC has a bad profitability rating. Also its financial health evaluation is rather negative. OSBC has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
- Of the past 5 years OSBC 4 years were profitable.
- Of the past 5 years OSBC 4 years had a positive operating cash flow.
1.2 Ratios
- OSBC has a Return On Assets of 1.01%. This is in the better half of the industry: OSBC outperforms 61.36% of its industry peers.
- The Return On Equity of OSBC (8.15%) is comparable to the rest of the 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 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.
- 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.
- 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 -12.83%.
- OSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.86% yearly.
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
- The Earnings Per Share is expected to grow by 18.41% on average over the next years. This is quite good.
- 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
- A Price/Earnings ratio of 12.17 indicates a correct valuation of OSBC.
- OSBC's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of OSBC to the average of the S&P500 Index (28.32), we can say OSBC is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.04, which indicates a very decent valuation of OSBC.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of OSBC indicates a rather cheap valuation: OSBC is cheaper than 81.46% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, OSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.17 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, OSBC is valued a bit cheaper than the industry average as 63.19% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.86 | ||
| 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)1.78
EPS Next 2Y18.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- OSBC has a Yearly Dividend Yield of 1.40%. Purely for dividend investing, there may be better candidates out there.
- OSBC's Dividend Yield is slightly below the industry average, which is at 2.67.
- Compared to the average S&P500 Dividend Yield of 1.83, OSBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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
- 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 12.17 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.