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GuruFocus Financial Strength Rank measures how strong a company’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 0.34
OSBC's Cash to Debt is ranked lower than
75% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. OSBC: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
OSBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.90 Max: 21.14
Current: 0.34
0.15
21.14
Equity to Asset 0.08
OSBC's Equity to Asset is ranked lower than
71% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OSBC: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
OSBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.11
Current: 0.08
0.04
0.11
Interest Coverage 2.68
OSBC's Interest Coverage is ranked higher than
63% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. OSBC: 2.68 )
Ranked among companies with meaningful Interest Coverage only.
OSBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.63 Max: 0.89
Current: 2.68
0.21
0.89
F-Score: 7
WACC vs ROIC
15.71%
5.99%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 (%) 27.56
OSBC's Operating margin (%) is ranked lower than
60% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. OSBC: 27.56 )
Ranked among companies with meaningful Operating margin (%) only.
OSBC' s Operating margin (%) Range Over the Past 10 Years
Min: -85.39  Med: 11.06 Max: 40.43
Current: 27.56
-85.39
40.43
Net-margin (%) 17.41
OSBC's Net-margin (%) is ranked lower than
68% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. OSBC: 17.41 )
Ranked among companies with meaningful Net-margin (%) only.
OSBC' s Net-margin (%) Range Over the Past 10 Years
Min: -87.96  Med: 10.62 Max: 94.97
Current: 17.41
-87.96
94.97
ROE (%) 7.76
OSBC's ROE (%) is ranked lower than
52% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. OSBC: 7.76 )
Ranked among companies with meaningful ROE (%) only.
OSBC' s ROE (%) Range Over the Past 10 Years
Min: -80.51  Med: 6.92 Max: 69.77
Current: 7.76
-80.51
69.77
ROA (%) 0.74
OSBC's ROA (%) is ranked lower than
58% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. OSBC: 0.74 )
Ranked among companies with meaningful ROA (%) only.
OSBC' s ROA (%) Range Over the Past 10 Years
Min: -4.6  Med: 0.50 Max: 4.05
Current: 0.74
-4.6
4.05
Revenue Growth (3Y)(%) -22.00
OSBC's Revenue Growth (3Y)(%) is ranked lower than
88% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OSBC: -22.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OSBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -22  Med: 6.85 Max: 20.4
Current: -22
-22
20.4
» OSBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

OSBC Guru Trades in Q4 2014

Jim Simons 162,768 sh (+26.39%)
» More
Q1 2015

OSBC Guru Trades in Q1 2015

Jim Simons 186,600 sh (+14.64%)
» More
Q2 2015

OSBC Guru Trades in Q2 2015

Jim Simons 302,008 sh (+61.85%)
» More
Q3 2015

OSBC Guru Trades in Q3 2015

Jim Simons 361,900 sh (+19.83%)
» More
» Details

Insider Trades

Latest Guru Trades with OSBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.65
OSBC's P/E(ttm) is ranked lower than
78% of the 2140 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. OSBC: 16.65 )
Ranked among companies with meaningful P/E(ttm) only.
OSBC' s P/E(ttm) Range Over the Past 10 Years
Min: 0.79  Med: 14.92 Max: 23.99
Current: 16.65
0.79
23.99
Forward P/E 12.87
OSBC's Forward P/E is ranked lower than
82% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.35 vs. OSBC: 12.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.25
OSBC's PE(NRI) is ranked lower than
77% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. OSBC: 17.25 )
Ranked among companies with meaningful PE(NRI) only.
OSBC' s PE(NRI) Range Over the Past 10 Years
Min: 0.79  Med: 14.92 Max: 23.79
Current: 17.25
0.79
23.79
P/B 1.23
OSBC's P/B is ranked lower than
72% of the 2196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OSBC: 1.23 )
Ranked among companies with meaningful P/B only.
OSBC' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 1.37 Max: 58
Current: 1.23
0.11
58
P/S 2.22
OSBC's P/S is ranked higher than
58% of the 2510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. OSBC: 2.22 )
Ranked among companies with meaningful P/S only.
OSBC' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 0.98 Max: 4.72
Current: 2.22
0.08
4.72
PFCF 8.66
OSBC's PFCF is ranked lower than
52% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. OSBC: 8.66 )
Ranked among companies with meaningful PFCF only.
OSBC' s PFCF Range Over the Past 10 Years
Min: 0.21  Med: 8.20 Max: 620
Current: 8.66
0.21
620
POCF 8.34
OSBC's POCF is ranked lower than
56% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.29 vs. OSBC: 8.34 )
Ranked among companies with meaningful POCF only.
OSBC' s POCF Range Over the Past 10 Years
Min: 0.2  Med: 7.77 Max: 124
Current: 8.34
0.2
124
EV-to-EBIT 16.96
OSBC's EV-to-EBIT is ranked lower than
67% of the 2085 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. OSBC: 16.96 )
Ranked among companies with meaningful EV-to-EBIT only.
OSBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -2617.4  Med: 12.70 Max: 36.8
Current: 16.96
-2617.4
36.8
EV-to-EBITDA 13.96
OSBC's EV-to-EBITDA is ranked lower than
63% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.12 vs. OSBC: 13.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
OSBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -563.2  Med: 10.80 Max: 42.8
Current: 13.96
-563.2
42.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
OSBC's Price/Tangible Book is ranked lower than
64% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. OSBC: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
OSBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.23  Med: 1.65 Max: 33.33
Current: 1.29
0.23
33.33
Price/Projected FCF 0.51
OSBC's Price/Projected FCF is ranked higher than
64% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. OSBC: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
OSBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.63 Max: 1.38
Current: 0.51
0.04
1.38
Price/Median PS Value 2.25
OSBC's Price/Median PS Value is ranked lower than
97% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. OSBC: 2.25 )
Ranked among companies with meaningful Price/Median PS Value only.
OSBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.11  Med: 2.74 Max: 4.69
Current: 2.25
0.11
4.69
Price/Graham Number 1.09
OSBC's Price/Graham Number is ranked lower than
75% of the 2050 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. OSBC: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
OSBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.19  Med: 1.07 Max: 2.17
Current: 1.09
0.19
2.17
Earnings Yield (Greenblatt) (%) 5.91
OSBC's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OSBC: 5.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OSBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 6.80 Max: 153.4
Current: 5.91
2.7
153.4
Forward Rate of Return (Yacktman) (%) 8.19
OSBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. OSBC: 8.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OSBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3.7  Med: 27.20 Max: 276
Current: 8.19
3.7
276

More Statistics

Revenue(Mil) $88
EPS $ 0.39
Beta0.49
Short Percentage of Float2.08%
52-Week Range $5.11 - 8.14
Shares Outstanding(Mil)29.48

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.51 0.52
EPS without NRI($) 0.51 0.52

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Old Second Bancorp Inc was organized under the laws of Delaware on September 8, 1981. The Company is a registered bank holding company. The Company through its subsidiaries conducts a full service community banking and trust business. The Company's full service banking businesses include 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, agricultural loans, lines of credit and overdraft checking; safe deposit operations; trust services; wealth management services; and an 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, cashiers' checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. The Company also offers a full complement of electronic banking services including online and mobile banking and corporate cash management products including remote deposit capture, mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox accounts, 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. Its commercial lending focuses on business, capital, construction, inventory and real estate lending. Installment lending includes direct and indirect loans to consumers and commercial customers. Additionally, the Company provides wealth management, investment, agency, and custodial services for individual, corporate, and not-for-profit clients. These services include the administration of estates and personal trusts, as well as the management of investment accounts for individuals, employee benefit plans, and charitable foundations. The Company also originates residential mortgages, offering mortgage products including conventional, government, and jumbo loans. The Company provides financial services through its 25 banking locations that are located primarily in Aurora, Illinois, and its surrounding communities and throughout the Chicago metropolitan area. The Company offers its services to retail, commercial, industrial, and public entity customers in the Aurora, North Aurora, Batavia, St. Charles, Burlington, Elburn, Elgin, Maple Park, Kaneville, Sugar Grove, Naperville, Lisle, Joliet, Yorkville, Plano, Wasco, Ottawa, Oswego, Sycamore, Frankfort, and Chicago Heights communities and surrounding areas. The Company faces competition from finance companies, insurance companies, credit unions, mo
» 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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