OLD SECOND BANCORP INC (OSBC) Stock Fundamental Analysis
USA - NASDAQ:OSBC - US6802771005 - Common Stock
18.21 USD
+0.12 (+0.66%)
Overall OSBC gets a fundamental rating of 4 out of 10. We evaluated OSBC against 390 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year OSBC was profitable.
In the past year OSBC had a positive cash flow from operations.
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 an excellent Return On Assets value of 1.47%, OSBC belongs to the best of the industry, outperforming 88.46% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.65%, OSBC is in the better half of the industry, outperforming 78.97% of the companies in the same industry.
| 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 76.67% of its industry peers.
In the last couple of years the Profit Margin of OSBC has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for OSBC so they could not be analyzed.
| 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.
Compared to 1 year ago, OSBC has more shares outstanding
Compared to 5 years ago, OSBC has more shares outstanding
OSBC has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.23, OSBC is in the better half of the industry, outperforming 63.85% of the companies in the same industry.
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 of 0.18. This is comparable to the rest of the industry: OSBC outperforms 46.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.59%
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%.
OSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.54% yearly.
Looking at the last year, OSBC shows a decrease in Revenue. The Revenue has decreased by -0.23% in the last 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 5.27% on average over the next years.
The Revenue is expected to grow by 9.80% on average over the next years. This is quite good.
EPS Next Y-4.09%
EPS Next 2Y6.84%
EPS Next 3Y5.27%
EPS Next 5YN/A
Revenue Next Year18.06%
Revenue Next 2Y14.48%
Revenue Next 3Y9.8%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.06, which indicates a correct valuation of OSBC.
OSBC's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.03, OSBC is valued rather cheaply.
A Price/Forward Earnings ratio of 8.53 indicates a reasonable valuation of OSBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OSBC indicates a somewhat cheap valuation: OSBC is cheaper than 72.56% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.27, OSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 8.53 |
4.2 Price Multiples
74.10% of the companies in the same industry are more expensive than OSBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.6
EPS Next 2Y6.84%
EPS Next 3Y5.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.54%, OSBC has a reasonable but not impressive dividend return.
OSBC's Dividend Yield is slightly below the industry average, which is at 3.42.
OSBC's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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
OSBC pays out 12.34% of its income as dividend. This is a sustainable payout ratio.
OSBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP12.34%
EPS Next 2Y6.84%
EPS Next 3Y5.27%
NASDAQ:OSBC (11/5/2025, 2:23:54 PM)
18.21
+0.12 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.55%
Inst Owner Change0.45%
Ins Owners4.33%
Ins Owner Change0.41%
Market Cap958.76M
Revenue(TTM)285.45M
Net Income(TTM)83.71M
Analysts85
Price Target22.53 (23.72%)
Short Float %2.09%
Short Ratio3.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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)5.58%
EPS NQ rev (1m)13.76%
EPS NQ rev (3m)21.06%
EPS NY rev (1m)3.63%
EPS NY rev (3m)-0.66%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 8.53 | ||
| P/S | 3.28 | ||
| P/FCF | 8.9 | ||
| P/OCF | 8.37 | ||
| P/B | 1.33 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY8.29%
EPS(NY)2.13
Fwd EY11.72%
FCF(TTM)2.05
FCFY11.23%
OCF(TTM)2.18
OCFY11.95%
SpS5.56
BVpS13.65
TBVpS11.32
PEG (NY)N/A
PEG (5Y)1.6
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
WACC7.59%
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-4.09%
EPS Next 2Y6.84%
EPS Next 3Y5.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y28.04%
Revenue growth 5Y16.57%
Sales Q2Q%25%
Revenue Next Year18.06%
Revenue Next 2Y14.48%
Revenue Next 3Y9.8%
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 5 / 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 -4.09% in the next year.