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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 0.31
OSBC's Cash to Debt is ranked lower than
75% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. OSBC: 0.31 )
Ranked among companies with meaningful Cash to Debt only.
OSBC' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.90 Max: 32.77
Current: 0.31
0.15
32.77
Equity to Asset 0.09
OSBC's Equity to Asset is ranked lower than
61% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OSBC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
OSBC' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.08 Max: 0.11
Current: 0.09
0.04
0.11
Interest Coverage 0.85
OSBC's Interest Coverage is ranked lower than
66% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. OSBC: 0.85 )
Ranked among companies with meaningful Interest Coverage only.
OSBC' s 10-Year Interest Coverage Range
Min: 0.21  Med: 0.54 Max: 1.36
Current: 0.85
0.21
1.36
F-Score: 5
WACC vs ROIC
20.34%
3.60%
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 (%) 16.27
OSBC's Operating margin (%) is ranked lower than
79% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. OSBC: 16.27 )
Ranked among companies with meaningful Operating margin (%) only.
OSBC' s 10-Year Operating margin (%) Range
Min: -85.39  Med: 30.43 Max: 41.97
Current: 16.27
-85.39
41.97
Net-margin (%) 14.88
OSBC's Net-margin (%) is ranked lower than
73% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. OSBC: 14.88 )
Ranked among companies with meaningful Net-margin (%) only.
OSBC' s 10-Year Net-margin (%) Range
Min: -87.96  Med: 22.64 Max: 94.97
Current: 14.88
-87.96
94.97
ROE (%) 5.21
OSBC's ROE (%) is ranked lower than
72% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. OSBC: 5.21 )
Ranked among companies with meaningful ROE (%) only.
OSBC' s 10-Year ROE (%) Range
Min: -80.51  Med: 12.07 Max: 69.77
Current: 5.21
-80.51
69.77
ROA (%) 0.66
OSBC's ROA (%) is ranked lower than
64% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OSBC: 0.66 )
Ranked among companies with meaningful ROA (%) only.
OSBC' s 10-Year ROA (%) Range
Min: -4.6  Med: 1.10 Max: 4.05
Current: 0.66
-4.6
4.05
Revenue Growth (3Y)(%) -22.00
OSBC's Revenue Growth (3Y)(%) is ranked lower than
94% of the 1215 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 10-Year Revenue Growth (3Y)(%) Range
Min: -22  Med: 7.00 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

Q3 2014

OSBC Guru Trades in Q3 2014

Jim Simons 128,780 sh (+5.43%)
» More
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
» 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) 18.13
OSBC's P/E(ttm) is ranked lower than
75% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. OSBC: 18.13 )
Ranked among companies with meaningful P/E(ttm) only.
OSBC' s 10-Year P/E(ttm) Range
Min: 0.79  Med: 14.93 Max: 23.99
Current: 18.13
0.79
23.99
Forward P/E 13.85
OSBC's Forward P/E is ranked lower than
70% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. OSBC: 13.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.20
OSBC's PE(NRI) is ranked lower than
77% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. OSBC: 19.20 )
Ranked among companies with meaningful PE(NRI) only.
OSBC' s 10-Year PE(NRI) Range
Min: 0.79  Med: 14.93 Max: 23.79
Current: 19.2
0.79
23.79
P/B 1.17
OSBC's P/B is ranked lower than
61% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. OSBC: 1.17 )
Ranked among companies with meaningful P/B only.
OSBC' s 10-Year P/B Range
Min: 0.11  Med: 1.63 Max: 58
Current: 1.17
0.11
58
P/S 2.00
OSBC's P/S is ranked higher than
72% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. OSBC: 2.00 )
Ranked among companies with meaningful P/S only.
OSBC' s 10-Year P/S Range
Min: 0.08  Med: 0.99 Max: 4.95
Current: 2
0.08
4.95
PFCF 9.06
OSBC's PFCF is ranked higher than
57% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. OSBC: 9.06 )
Ranked among companies with meaningful PFCF only.
OSBC' s 10-Year PFCF Range
Min: 0.21  Med: 9.45 Max: 620
Current: 9.06
0.21
620
POCF 8.55
OSBC's POCF is ranked higher than
53% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. OSBC: 8.55 )
Ranked among companies with meaningful POCF only.
OSBC' s 10-Year POCF Range
Min: 0.2  Med: 8.34 Max: 124
Current: 8.55
0.2
124
EV-to-EBIT 19.94
OSBC's EV-to-EBIT is ranked lower than
71% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. OSBC: 19.94 )
Ranked among companies with meaningful EV-to-EBIT only.
OSBC' s 10-Year EV-to-EBIT Range
Min: -2617.4  Med: 11.85 Max: 36.8
Current: 19.94
-2617.4
36.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
OSBC's Price/Tangible Book is ranked lower than
55% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. OSBC: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
OSBC' s 10-Year Price/Tangible Book Range
Min: 0.23  Med: 1.65 Max: 33.33
Current: 1.21
0.23
33.33
Price/Projected FCF 0.42
OSBC's Price/Projected FCF is ranked higher than
76% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. OSBC: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
OSBC' s 10-Year Price/Projected FCF Range
Min: 0.04  Med: 0.63 Max: 1.38
Current: 0.42
0.04
1.38
Price/Median PS Value 2.01
OSBC's Price/Median PS Value is ranked lower than
95% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. OSBC: 2.01 )
Ranked among companies with meaningful Price/Median PS Value only.
OSBC' s 10-Year Price/Median PS Value Range
Min: 0.11  Med: 2.79 Max: 5.53
Current: 2.01
0.11
5.53
Price/Graham Number 0.76
OSBC's Price/Graham Number is ranked higher than
57% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. OSBC: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
OSBC' s 10-Year Price/Graham Number Range
Min: 0.13  Med: 1.04 Max: 1.66
Current: 0.76
0.13
1.66
Earnings Yield (Greenblatt) (%) 5.02
OSBC's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. OSBC: 5.02 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OSBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.7  Med: 7.00 Max: 153.4
Current: 5.02
2.7
153.4
Forward Rate of Return (Yacktman) (%) 11.02
OSBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. OSBC: 11.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OSBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.1  Med: 27.40 Max: 276
Current: 11.02
4.1
276

Analyst Estimate

Dec15 Dec16
EPS($) 0.46 0.45
EPS without NRI($) 0.46 0.45

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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