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5.6 (1y: +294%)
Market Cap 76.36 M P/E(ttm) 23.50
Enterprise Value 252.36 M P/B 1.09
OSBC- NAS (USA)
Old Second Bancorp Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$5.60
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry		 vs
history
Cash to Debt 0.63
OSBC's Cash to Debt is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. OSBC: 0.63 )
OSBC' s 10-Year Cash to Debt Range
Min: 0.23   Max: 8.16
Current: 0.63
0.23
8.16
Equity to Asset 0.033
OSBC's Equity to Asset is ranked lower than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OSBC: 0.033 )
OSBC' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.1
Current: 0.03
0.03
0.1
Interest Coverage No Debt
OSBC's Interest Coverage is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. OSBC: No Debt )
OSBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.2
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry		 vs
history
Operating margin (%) -0.10
OSBC's Operating margin (%) is ranked lower than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. OSBC: -0.10 )
OSBC' s 10-Year Operating margin (%) Range
Min: -85.4   Max: 42
Current: -0.1
-85.4
42
Net-margin (%) -0.1
OSBC's Net-margin (%) is ranked lower than
84% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. OSBC: -0.1 )
OSBC' s 10-Year Net-margin (%) Range
Min: -88   Max: 27.9
Current: -0.1
-88
27.9
ROE (%) -0.1
OSBC's ROE (%) is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. OSBC: -0.1 )
OSBC' s 10-Year ROE (%) Range
Min: -129.4   Max: 19.5
Current: -0.1
-129.4
19.5
ROC (Joel Greenblatt) (%) -0.40
OSBC's ROC (Joel Greenblatt) (%) is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 45.20 vs. OSBC: -0.40 )
OSBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -213.5   Max: 173.9
Current: -0.4
-213.5
173.9
Revenue Growth (%) -6.1
OSBC's Revenue Growth (%) is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. OSBC: -6.1 )
OSBC' s 10-Year Revenue Growth (%) Range
Min: -6.3   Max: 14.9
Current: -6.1
-6.3
14.9
EPS Growth (%) -47.1
OSBC's EPS Growth (%) is ranked lower than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. OSBC: -47.1 )
OSBC' s 10-Year EPS Growth (%) Range
Min: -47.1   Max: 16
Current: -47.1
-47.1
16
ยป OSBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

OSBC Guru Trades in Q2 2012

Jim Simons 129,400 sh (+1.89%)
» More
Q3 2012

OSBC Guru Trades in Q3 2012

Jim Simons 128,700 sh (-0.54%)
» More
Q4 2012

OSBC Guru Trades in Q4 2012

Jim Simons 124,300 sh (-3.42%)
» More
Q1 2013

OSBC Guru Trades in Q1 2013

Jim Simons 133,800 sh (+7.64%)
» More
» Details

Insider Trades

Latest Guru Trades with OSBC



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 23.50
OSBC's P/E(ttm) is ranked higher than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. OSBC: 23.50 )
OSBC' s 10-Year P/E(ttm) Range
Min: 5.89   Max: 23.91
Current: 23.5
5.89
23.91
P/B 1.09
OSBC's P/B is ranked higher than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. OSBC: 1.09 )
OSBC' s 10-Year P/B Range
Min: 0.06   Max: 3.46
Current: 1.09
0.06
3.46
P/S 0.78
OSBC's P/S is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OSBC: 0.78 )
OSBC' s 10-Year P/S Range
Min: 0.08   Max: 4.95
Current: 0.78
0.08
4.95
PFCF 2.48
OSBC's PFCF is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OSBC: 2.48 )
OSBC' s 10-Year PFCF Range
Min: 0.2   Max: 268.14
Current: 2.48
0.2
268.14
EV-to-EBIT 30.16
OSBC's EV-to-EBIT is ranked lower than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. OSBC: 30.16 )
OSBC' s 10-Year EV-to-EBIT Range
Min: 4.8   Max: 36.8
Current: 30.16
4.8
36.8
Shiller P/E 218
OSBC's Shiller P/E is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. OSBC: 218 )
OSBC' s 10-Year Shiller P/E Range
Min: 2.55   Max: 109
Current: 218
2.55
109

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
OSBC's Price/Tangible Book is ranked lower than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OSBC: 1.4 )
OSBC' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 3.3
Current: 1.4
0.3
3.3
Price/Median PS Value 0.5
OSBC's Price/Median PS Value is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OSBC: 0.5 )
OSBC' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.5
Current: 0.5
0.1
1.5
Earnings Yield (Greenblatt) 3.30
OSBC's Earnings Yield (Greenblatt) is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. OSBC: 3.30 )
OSBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 20.8
Current: 3.3
2.7
20.8
Forward Rate of Return (Yacktman) 38.72
OSBC's Forward Rate of Return (Yacktman) is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. OSBC: 38.72 )
OSBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.9   Max: 83.7
Current: 38.72
6.9
83.7

Business Description

Old Second Bancorp, Inc. is a Delaware corporation, incorporated on September 8. 1981. It is a registered bank holding company. The bank's full service banking businesses includes the customary consumer and commercial products and services that banks provide including demand, NOW, money market, savings, time deposit, individual retirement and Keogh deposit accounts; commercial, industrial, consumer and real estate lending, including installment loans, student loans, farm loans, lines of credit and overdraft checking; safe deposit operations; trust services; wealth management services, and a number of additional services tailored to the needs of individual customers, such as the acquisition of U.S. Treasury notes and bonds, the sale of traveler's checks, money orders, cashier's checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. The Bank also offers a full complement of electronic banking services such as Internet banking and corporate cash management products including remote deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, wire transfers, vault services for currency and coin, and checking accounts. Commercial and consumer loans are made to corporations, partnerships and individuals, primarily on a secured basis. Commercial lending focuses on business, capital, construction, inventory and real estate lending. Installment lending includes direct and indirect loans to consumers and commercial customers. The bank originates residential mortgages, offering a range of products including conventional, government, and jumbo loans. Secondary marketing of those mortgages is handled at the bank. The Bank faces competition from finance companies, insurance companies, credit unions, mortgage companies, securities brokerage firms, United States Government securities, money market funds, loan production offices and other providers of financial services. The deposit accounts of the Bank are insured by the FDIC's Deposit Insurance Fund to the maximum extent provided under federal law and FDIC regulations, and the Bank is a member of the Federal Reserve System.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for OSBC

Headlines

Articles On GuruFocus.com
Old Second Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2010 
Old Second Bancorp Inc. Reports Operating Results (10-Q) May 10 2010 
Old Second Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2009 
Old Second Bancorp Inc. Reports Operating Results (10-Q) Aug 10 2009 
Old Second Bancorp Inc. Reports Operating Results (10-Q) May 11 2009 

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