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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 0.30
OSBC's Cash to Debt is ranked lower than
79% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. OSBC: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
OSBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.74 Max: 18.18
Current: 0.3
0.15
18.18
Equity to Asset 0.07
OSBC's Equity to Asset is ranked lower than
78% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OSBC: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
OSBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.11
Current: 0.07
0.04
0.11
Interest Coverage 2.64
OSBC's Interest Coverage is ranked higher than
63% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. OSBC: 2.64 )
Ranked among companies with meaningful Interest Coverage only.
OSBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.66 Max: 2.68
Current: 2.64
0.21
2.68
F-Score: 5
M-Score: -2.52
WACC vs ROIC
4.48%
6.19%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 27.69
OSBC's Operating margin (%) is ranked lower than
58% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. OSBC: 27.69 )
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: 33.56
Current: 27.69
-85.39
33.56
Net-margin (%) 17.42
OSBC's Net-margin (%) is ranked lower than
67% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. OSBC: 17.42 )
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: 17.42
-87.96
94.97
ROE (%) 8.49
OSBC's ROE (%) is ranked higher than
52% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. OSBC: 8.49 )
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: 8.49
-80.51
69.77
ROA (%) 0.73
OSBC's ROA (%) is ranked lower than
60% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OSBC: 0.73 )
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: 0.73
-4.6
4.05
Revenue Growth (3Y)(%) -25.80
OSBC's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. OSBC: -25.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OSBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.8  Med: 6.80 Max: 20.4
Current: -25.8
-25.8
20.4
EBITDA Growth (3Y)(%) 42.20
OSBC's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. OSBC: 42.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OSBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.1  Med: 14.40 Max: 42.2
Current: 42.2
-24.1
42.2
» OSBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


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

» Details

Guru Trades

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%)
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Q4 2015

OSBC Guru Trades in Q4 2015

Jim Simons 389,600 sh (+7.65%)
» More
Q1 2016

OSBC Guru Trades in Q1 2016

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

Insider Trades

Latest Guru Trades with OSBC

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BLMT, NAS:FFKT, NAS:FMBH, NAS:MBVT, NAS:YCB, NAS:FBIZ, NAS:ANCX, NAS:AVNU, NAS:CBNJ, NAS:PWOD, NAS:CHFN, NAS:CARO, OTCPK:ISBA, AMEX:BHB, OTCPK:FIZN, NAS:MNRK, OTCPK:CATC, NAS:OLBK, NAS:MFSF, NAS:BSRR » details
Old Second Bancorp Inc through its subsidiaries provides commercial banking & financial 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
P/E(ttm) 14.24
OSBC's P/E(ttm) is ranked lower than
60% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. OSBC: 14.24 )
Ranked among companies with meaningful P/E(ttm) only.
OSBC' s P/E(ttm) Range Over the Past 10 Years
Min: 0.79  Med: 14.82 Max: 23.99
Current: 14.24
0.79
23.99
Forward P/E 13.39
OSBC's Forward P/E is ranked lower than
68% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. OSBC: 13.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.48
OSBC's PE(NRI) is ranked lower than
62% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. OSBC: 14.48 )
Ranked among companies with meaningful PE(NRI) only.
OSBC' s PE(NRI) Range Over the Past 10 Years
Min: 0.79  Med: 14.88 Max: 23.79
Current: 14.48
0.79
23.79
Price/Owner Earnings (ttm) 20.57
OSBC's Price/Owner Earnings (ttm) is ranked lower than
81% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. OSBC: 20.57 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OSBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.59  Med: 10.39 Max: 33.01
Current: 20.57
0.59
33.01
P/B 1.27
OSBC's P/B is ranked lower than
71% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. OSBC: 1.27 )
Ranked among companies with meaningful P/B only.
OSBC' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 1.31 Max: 59.18
Current: 1.27
0.11
59.18
P/S 2.36
OSBC's P/S is ranked higher than
61% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. OSBC: 2.36 )
Ranked among companies with meaningful P/S only.
OSBC' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 0.97 Max: 4.47
Current: 2.36
0.08
4.47
PFCF 10.30
OSBC's PFCF is ranked lower than
53% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. OSBC: 10.30 )
Ranked among companies with meaningful PFCF only.
OSBC' s PFCF Range Over the Past 10 Years
Min: 0.21  Med: 9.43 Max: 114.81
Current: 10.3
0.21
114.81
POCF 9.80
OSBC's POCF is ranked lower than
59% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. OSBC: 9.80 )
Ranked among companies with meaningful POCF only.
OSBC' s POCF Range Over the Past 10 Years
Min: 0.2  Med: 7.23 Max: 68.89
Current: 9.8
0.2
68.89
EV-to-EBIT 11.91
OSBC's EV-to-EBIT is ranked higher than
55% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. OSBC: 11.91 )
Ranked among companies with meaningful EV-to-EBIT only.
OSBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.1  Med: 12.70 Max: 36.8
Current: 11.91
-27.1
36.8
EV-to-EBITDA 10.87
OSBC's EV-to-EBITDA is ranked higher than
54% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. OSBC: 10.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
OSBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -365.7  Med: 10.90 Max: 24.4
Current: 10.87
-365.7
24.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.15
OSBC's Dividend Yield is ranked lower than
99% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. OSBC: 0.15 )
Ranked among companies with meaningful Dividend Yield only.
OSBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.14  Med: 1.90 Max: 11.76
Current: 0.15
0.14
11.76
Forward Dividend Yield 0.61
OSBC's Forward Dividend Yield is ranked lower than
96% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. OSBC: 0.61 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.15
OSBC's Yield on cost (5-Year) is ranked lower than
100% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. OSBC: 0.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OSBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.14  Med: 1.90 Max: 11.76
Current: 0.15
0.14
11.76
3-Year Average Share Buyback Ratio -27.90
OSBC's 3-Year Average Share Buyback Ratio is ranked lower than
92% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OSBC: -27.90 )
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  Med: 0.00 Max: 4.9
Current: -27.9
-28
4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
OSBC's Price/Tangible Book is ranked lower than
66% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OSBC: 1.33 )
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: 34.48
Current: 1.33
0.23
34.48
Price/Projected FCF 0.69
OSBC's Price/Projected FCF is ranked lower than
60% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. OSBC: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
OSBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.65 Max: 1.38
Current: 0.69
0.04
1.38
Price/Median PS Value 2.40
OSBC's Price/Median PS Value is ranked lower than
97% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. OSBC: 2.40 )
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: 2.80 Max: 4.66
Current: 2.4
0.11
4.66
Price/Graham Number 0.93
OSBC's Price/Graham Number is ranked lower than
62% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. OSBC: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
OSBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.19  Med: 1.09 Max: 1.54
Current: 0.93
0.19
1.54
Earnings Yield (Greenblatt) (%) 8.41
OSBC's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OSBC: 8.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OSBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 7.10 Max: 153.4
Current: 8.41
2.7
153.4
Forward Rate of Return (Yacktman) (%) 6.63
OSBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
67% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. OSBC: 6.63 )
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: 3.8  Med: 29.60 Max: 276
Current: 6.63
3.8
276

More Statistics

Revenue (TTM) (Mil) $87.31
EPS (TTM) $ 0.48
Beta0.38
Short Percentage of Float2.13%
52-Week Range $5.93 - 8.14
Shares Outstanding (Mil)29.55

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.49 0.51
EPS w/o NRI ($) 0.49 0.51
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» 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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Edited Transcript of OSBC earnings conference call or presentation 21-Apr-16 3:00pm GMT Apr 22 2016
Q1 2016 Old Second Bancorp Inc Earnings Release - After Market Close Apr 21 2016
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Old Second Reports First Quarter 2016 Net Income of $3.3 Million Apr 20 2016
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