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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 0.55
OSBC's Cash to Debt is ranked higher than
63% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. OSBC: 0.55 )
OSBC' s 10-Year Cash to Debt Range
Min: 0.15   Max: 32.77
Current: 0.55

0.15
32.77
Equity to Asset 0.09
OSBC's Equity to Asset is ranked higher than
66% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OSBC: 0.09 )
OSBC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.11
Current: 0.09

0.04
0.11
Interest Coverage 0.85
OSBC's Interest Coverage is ranked higher than
63% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. OSBC: 0.85 )
OSBC' s 10-Year Interest Coverage Range
Min: 0.21   Max: 1.36
Current: 0.85

0.21
1.36
F-Score: 4
Z-Score: 0.21
WACC vs ROIC
22.06%
2.91%
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 (%) 12.72
OSBC's Operating margin (%) is ranked higher than
54% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. OSBC: 12.72 )
OSBC' s 10-Year Operating margin (%) Range
Min: -85.39   Max: 41.97
Current: 12.72

-85.39
41.97
Net-margin (%) 12.86
OSBC's Net-margin (%) is ranked higher than
58% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. OSBC: 12.86 )
OSBC' s 10-Year Net-margin (%) Range
Min: -87.96   Max: 94.97
Current: 12.86

-87.96
94.97
ROE (%) 6.28
OSBC's ROE (%) is ranked higher than
65% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. OSBC: 6.28 )
OSBC' s 10-Year ROE (%) Range
Min: -77.28   Max: 74.54
Current: 6.28

-77.28
74.54
ROA (%) 0.56
OSBC's ROA (%) is ranked higher than
63% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OSBC: 0.56 )
OSBC' s 10-Year ROA (%) Range
Min: -4.6   Max: 4.05
Current: 0.56

-4.6
4.05
ROC (Joel Greenblatt) (%) 25.87
OSBC's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. OSBC: 25.87 )
OSBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -118.15   Max: 130.77
Current: 25.87

-118.15
130.77
Revenue Growth (3Y)(%) -22.00
OSBC's Revenue Growth (3Y)(%) is ranked higher than
50% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OSBC: -22.00 )
OSBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -22   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

Q2 2014

OSBC Guru Trades in Q2 2014

Jim Simons 122,144 sh (-14.35%)
» More
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
» 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) 13.10
OSBC's P/E(ttm) is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. OSBC: 13.10 )
OSBC' s 10-Year P/E(ttm) Range
Min: 0.79   Max: 23.99
Current: 13.1

0.79
23.99
Forward P/E 13.77
OSBC's Forward P/E is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OSBC: 13.77 )
N/A
PE(NRI) 13.20
OSBC's PE(NRI) is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. OSBC: 13.20 )
OSBC' s 10-Year PE(NRI) Range
Min: 0.79   Max: 23.79
Current: 13.2

0.79
23.79
P/B 1.22
OSBC's P/B is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. OSBC: 1.22 )
OSBC' s 10-Year P/B Range
Min: 0.11   Max: 58
Current: 1.22

0.11
58
P/S 2.05
OSBC's P/S is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. OSBC: 2.05 )
OSBC' s 10-Year P/S Range
Min: 0.08   Max: 4.95
Current: 2.05

0.08
4.95
PFCF 620.00
OSBC's PFCF is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OSBC: 620.00 )
OSBC' s 10-Year PFCF Range
Min: 0.21   Max: 620
Current: 620

0.21
620
POCF 124.00
OSBC's POCF is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. OSBC: 124.00 )
OSBC' s 10-Year POCF Range
Min: 0.2   Max: 124
Current: 124

0.2
124
EV-to-EBIT 24.21
OSBC's EV-to-EBIT is ranked higher than
68% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. OSBC: 24.21 )
OSBC' s 10-Year EV-to-EBIT Range
Min: -2617.4   Max: 36.8
Current: 24.21

-2617.4
36.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
OSBC's Price/Tangible Book is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. OSBC: 1.26 )
OSBC' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 33.33
Current: 1.26

0.23
33.33
Price/DCF (Projected) 0.39
OSBC's Price/DCF (Projected) is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OSBC: 0.39 )
OSBC' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 1.38
Current: 0.39

0.04
1.38
Price/Median PS Value 2.09
OSBC's Price/Median PS Value is ranked higher than
57% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OSBC: 2.09 )
OSBC' s 10-Year Price/Median PS Value Range
Min: 0.11   Max: 5.53
Current: 2.09

0.11
5.53
Price/Graham Number 0.86
OSBC's Price/Graham Number is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OSBC: 0.86 )
OSBC' s 10-Year Price/Graham Number Range
Min: 0.13   Max: 1.66
Current: 0.86

0.13
1.66
Earnings Yield (Greenblatt) 4.10
OSBC's Earnings Yield (Greenblatt) is ranked higher than
59% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. OSBC: 4.10 )
OSBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 153.4
Current: 4.1

2.7
153.4
Forward Rate of Return (Yacktman) 10.80
OSBC's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. OSBC: 10.80 )
OSBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.1   Max: 276
Current: 10.8

4.1
276

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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