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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.28
NAS:OSBC's Cash-to-Debt is ranked lower than
83% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. NAS:OSBC: 0.28 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:OSBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25  Med: 0.58 Max: 32.77
Current: 0.28
0.25
32.77
Equity-to-Asset 0.08
NAS:OSBC's Equity-to-Asset is ranked lower than
71% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:OSBC: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:OSBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.1
Current: 0.08
0.04
0.1
Interest Coverage 2.47
NAS:OSBC's Interest Coverage is ranked higher than
60% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:OSBC: 2.47 )
Ranked among companies with meaningful Interest Coverage only.
NAS:OSBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.86 Max: 2.68
Current: 2.47
0.21
2.68
Beneish M-Score: -2.43
WACC vs ROIC
6.33%
6.87%
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 : 3/10

vs
industry
vs
history
Operating Margin % 26.63
NAS:OSBC's Operating Margin % is ranked lower than
63% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. NAS:OSBC: 26.63 )
Ranked among companies with meaningful Operating Margin % only.
NAS:OSBC' s Operating Margin % Range Over the Past 10 Years
Min: -85.39  Med: 13.32 Max: 32.64
Current: 26.63
-85.39
32.64
Net Margin % 17.05
NAS:OSBC's Net Margin % is ranked lower than
69% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. NAS:OSBC: 17.05 )
Ranked among companies with meaningful Net Margin % only.
NAS:OSBC' s Net Margin % Range Over the Past 10 Years
Min: -87.96  Med: 10.62 Max: 94.97
Current: 17.05
-87.96
94.97
ROE % 9.48
NAS:OSBC's ROE % is ranked higher than
58% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. NAS:OSBC: 9.48 )
Ranked among companies with meaningful ROE % only.
NAS:OSBC' s ROE % Range Over the Past 10 Years
Min: -80.51  Med: 6.92 Max: 69.77
Current: 9.48
-80.51
69.77
ROA % 0.73
NAS:OSBC's ROA % is ranked lower than
61% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NAS:OSBC: 0.73 )
Ranked among companies with meaningful ROA % only.
NAS:OSBC' s ROA % Range Over the Past 10 Years
Min: -4.6  Med: 0.5 Max: 4.05
Current: 0.73
-4.6
4.05
3-Year Revenue Growth Rate -20.50
NAS:OSBC's 3-Year Revenue Growth Rate is ranked lower than
95% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NAS:OSBC: -20.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:OSBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -24.1  Med: 7 Max: 20.4
Current: -20.5
-24.1
20.4
3-Year EBITDA Growth Rate -4.70
NAS:OSBC's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NAS:OSBC: -4.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:OSBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -24.3  Med: 9.7 Max: 26.9
Current: -4.7
-24.3
26.9
3-Year EPS without NRI Growth Rate -54.00
NAS:OSBC's 3-Year EPS without NRI Growth Rate is ranked lower than
97% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:OSBC: -54.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:OSBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -58.5  Med: 6.4 Max: 21.9
Current: -54
-58.5
21.9
GuruFocus has detected 5 Warning Signs with Old Second Bancorp Inc $NAS:OSBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:OSBC's 10-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

OSBC Guru Trades in Q1 2016

Jim Simons 419,800 sh (+7.75%)
» More
Q2 2016

OSBC Guru Trades in Q2 2016

Jim Simons 440,800 sh (+5.00%)
» More
Q3 2016

OSBC Guru Trades in Q3 2016

Jim Simons 558,736 sh (+26.75%)
» More
Q4 2016

OSBC Guru Trades in Q4 2016

Jim Simons 666,300 sh (+19.25%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:MBVT, NAS:MCBC, NAS:ANCX, NAS:WNEB, NAS:AMNB, NAS:WFBI, NAS:CCBG, NAS:CCNE, NAS:OLBK, NAS:PFIS, OTCPK:CNBKB, NAS:WTBA, NAS:FFKT, NAS:HMPR, NAS:BSRR, NAS:CHFN, NAS:FNLC, NAS:PBNC, NAS:FMNB, NAS:MBRG » details
Headquarter Location:USA
Old Second Bancorp Inc through its subsidiaries provides commercial banking & trust business services. It offers money market, savings, individual retirement, lending, safe & time deposit operations, trust services, wealth management services & lending.

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, 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 24 banking locations that are located 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, mortgage companies, se

Ratios

vs
industry
vs
history
PE Ratio 22.67
OSBC's PE Ratio is ranked lower than
77% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. OSBC: 22.67 )
Ranked among companies with meaningful PE Ratio only.
OSBC' s PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 14.93 Max: 24.83
Current: 22.67
0.79
24.83
Forward PE Ratio 20.00
OSBC's Forward PE Ratio is ranked lower than
86% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. OSBC: 20.00 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.67
OSBC's PE Ratio without NRI is ranked lower than
77% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. OSBC: 22.67 )
Ranked among companies with meaningful PE Ratio without NRI only.
OSBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.79  Med: 14.93 Max: 24.83
Current: 22.67
0.79
24.83
Price-to-Owner-Earnings 21.55
OSBC's Price-to-Owner-Earnings is ranked lower than
73% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. OSBC: 21.55 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OSBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.59  Med: 10.46 Max: 33.01
Current: 21.55
0.59
33.01
PB Ratio 2.01
OSBC's PB Ratio is ranked lower than
82% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OSBC: 2.01 )
Ranked among companies with meaningful PB Ratio only.
OSBC' s PB Ratio Range Over the Past 10 Years
Min: 0.11  Med: 1.29 Max: 59.18
Current: 2.01
0.11
59.18
PS Ratio 3.81
OSBC's PS Ratio is ranked lower than
55% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. OSBC: 3.81 )
Ranked among companies with meaningful PS Ratio only.
OSBC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.98 Max: 4.17
Current: 3.81
0.08
4.17
Price-to-Free-Cash-Flow 14.18
OSBC's Price-to-Free-Cash-Flow is ranked lower than
54% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. OSBC: 14.18 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OSBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.21  Med: 7.84 Max: 114.81
Current: 14.18
0.21
114.81
Price-to-Operating-Cash-Flow 13.20
OSBC's Price-to-Operating-Cash-Flow is ranked lower than
57% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. OSBC: 13.20 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OSBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.2  Med: 7.38 Max: 68.89
Current: 13.2
0.2
68.89
EV-to-EBIT 19.26
OSBC's EV-to-EBIT is ranked lower than
69% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. OSBC: 19.26 )
Ranked among companies with meaningful EV-to-EBIT only.
OSBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.1  Med: 12.9 Max: 36.8
Current: 19.26
-27.1
36.8
EV-to-EBITDA 17.67
OSBC's EV-to-EBITDA is ranked lower than
71% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. OSBC: 17.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
OSBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -365.7  Med: 11 Max: 24.4
Current: 17.67
-365.7
24.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.33
OSBC's Dividend Yield % is ranked lower than
98% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. OSBC: 0.33 )
Ranked among companies with meaningful Dividend Yield % only.
OSBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.13  Med: 1.9 Max: 11.76
Current: 0.33
0.13
11.76
Dividend Payout Ratio 0.06
OSBC's Dividend Payout Ratio is ranked higher than
97% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OSBC: 0.06 )
Ranked among companies with meaningful Dividend Payout Ratio only.
OSBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.31 Max: 0.73
Current: 0.06
0.06
0.73
Forward Dividend Yield % 0.33
OSBC's Forward Dividend Yield % is ranked lower than
98% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. OSBC: 0.33 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.32
OSBC's 5-Year Yield-on-Cost % is ranked lower than
98% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. OSBC: 0.32 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OSBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13  Med: 1.9 Max: 11.76
Current: 0.32
0.13
11.76
3-Year Average Share Buyback Ratio -28.50
OSBC's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OSBC: -28.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OSBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.5  Med: -0.6 Max: 4.9
Current: -28.5
-28.5
4.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.22
OSBC's Price-to-Tangible-Book is ranked lower than
79% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. OSBC: 2.22 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OSBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.8  Med: 1.57 Max: 5.12
Current: 2.22
0.8
5.12
Price-to-Intrinsic-Value-Projected-FCF 0.97
OSBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
63% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. OSBC: 0.97 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OSBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.7 Max: 1.23
Current: 0.97
0.04
1.23
Price-to-Median-PS-Value 3.97
OSBC's Price-to-Median-PS-Value is ranked lower than
98% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. OSBC: 3.97 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OSBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.18  Med: 2.8 Max: 4.68
Current: 3.97
0.18
4.68
Price-to-Graham-Number 1.49
OSBC's Price-to-Graham-Number is ranked lower than
80% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. OSBC: 1.49 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OSBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.19  Med: 1.04 Max: 1.56
Current: 1.49
0.19
1.56
Earnings Yield (Greenblatt) % 5.24
OSBC's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. OSBC: 5.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OSBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.7  Med: 7 Max: 153.4
Current: 5.24
2.7
153.4
Forward Rate of Return (Yacktman) % -0.14
OSBC's Forward Rate of Return (Yacktman) % is ranked lower than
81% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. OSBC: -0.14 )
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: -0.14  Med: 46.05 Max: 276
Current: -0.14
-0.14
276

More Statistics

Revenue (TTM) (Mil) $92.02
EPS (TTM) $ 0.53
Beta0.83
Short Percentage of Float0.98%
52-Week Range $6.37 - 12.75
Shares Outstanding (Mil)29.58

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.60 0.68
EPS without NRI ($) 0.60 0.68
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.04 0.08
» More Articles for OSBC

Headlines

Articles On GuruFocus.com
Old Second Bancorp Names Brad Adams Executive Vice President and Chief Financial Officer Apr 25 2017 
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 

More From Other Websites
Edited Transcript of OSBC earnings conference call or presentation 27-Apr-17 3:00pm GMT Apr 28 2017
Investor Network: Old Second Bancorp, Inc. to Host Earnings Call Apr 27 2017
Old Second Bancorp posts 1Q profit Apr 26 2017
Old Second Reports First Quarter 2017 Net Income of $4.6 Million Apr 26 2017
Old Second Bancorp, Inc. : OSBC-US: Dividend Analysis : April 28th, 2017 (record date) : By the... Apr 26 2017
ETFs with exposure to Old Second Bancorp, Inc. : April 25, 2017 Apr 25 2017
Old Second Bancorp Names Brad Adams Executive Vice President and Chief Financial Officer Apr 25 2017
Old Second Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : OSBC-US : March... Mar 22 2017
Old Second Bancorp, Inc. :OSBC-US: Earnings Analysis: Q4, 2016 By the Numbers : February 15, 2017 Feb 15 2017
Old Second Bancorp's CFO Doug Cheatham to Retire Feb 07 2017
Edited Transcript of OSBC earnings conference call or presentation 26-Jan-17 4:00pm GMT Jan 26 2017
Old Second Reports Fourth Quarter 2016 Net Income of $5.0 Million Jan 25 2017
Can The Uptrend Continue for Old Second Bancorp (OSBC)? Dec 29 2016
ETFs with exposure to Old Second Bancorp, Inc. : December 19, 2016 Dec 19 2016
Old Second Completes Senior Notes Offering Dec 15 2016
This Is How Ameresco Inc (AMRC) Stacks Up Against Its Peers Dec 12 2016
ETF’s with exposure to Old Second Bancorp, Inc. : October 28, 2016 Oct 28 2016
Old Second Bancorp, Inc. :OSBC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25, 2016 Oct 25 2016
Edited Transcript of OSBC earnings conference call or presentation 20-Oct-16 3:00pm GMT Oct 20 2016

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