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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 0.31
OSBC's Cash to Debt is ranked higher than
60% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OSBC: 0.31 )
OSBC' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.31

Equity to Asset 0.10
OSBC's Equity to Asset is ranked higher than
74% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OSBC: 0.10 )
OSBC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.11
Current: 0.1

0.04
0.11
Interest Coverage 0.86
OSBC's Interest Coverage is ranked higher than
61% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OSBC: 0.86 )
OSBC' s 10-Year Interest Coverage Range
Min: 0.21   Max: 1.36
Current: 0.86

0.21
1.36
F-Score: 3
Z-Score: 0.19
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 (%) 13.60
OSBC's Operating margin (%) is ranked higher than
56% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. OSBC: 13.60 )
OSBC' s 10-Year Operating margin (%) Range
Min: -85.39   Max: 41.97
Current: 13.6

-85.39
41.97
Net-margin (%) 9.02
OSBC's Net-margin (%) is ranked higher than
55% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. OSBC: 9.02 )
OSBC' s 10-Year Net-margin (%) Range
Min: -87.96   Max: 94.97
Current: 9.02

-87.96
94.97
ROE (%) 4.46
OSBC's ROE (%) is ranked higher than
59% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. OSBC: 4.46 )
OSBC' s 10-Year ROE (%) Range
Min: -77.28   Max: 74.54
Current: 4.46

-77.28
74.54
ROA (%) 0.36
OSBC's ROA (%) is ranked higher than
58% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OSBC: 0.36 )
OSBC' s 10-Year ROA (%) Range
Min: -4.6   Max: 4.05
Current: 0.36

-4.6
4.05
ROC (Joel Greenblatt) (%) 24.56
OSBC's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. OSBC: 24.56 )
OSBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -118.15   Max: 167.12
Current: 24.56

-118.15
167.12
Revenue Growth (%) -11.20
OSBC's Revenue Growth (%) is ranked higher than
56% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OSBC: -11.20 )
OSBC' s 10-Year Revenue Growth (%) Range
Min: -11.2   Max: 20.4
Current: -11.2

-11.2
20.4
» OSBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

OSBC Guru Trades in Q4 2013

Jim Simons 158,100 sh (-11.08%)
» More
Q1 2014

OSBC Guru Trades in Q1 2014

Jim Simons 142,611 sh (-9.8%)
» More
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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.30
OSBC's P/E(ttm) is ranked higher than
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. OSBC: 18.30 )
OSBC' s 10-Year P/E(ttm) Range
Min: 0.79   Max: 23.99
Current: 18.3

0.79
23.99
P/B 1.00
OSBC's P/B is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. OSBC: 1.00 )
OSBC' s 10-Year P/B Range
Min: 0.11   Max: 58
Current: 1

0.11
58
P/S 1.20
OSBC's P/S is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. OSBC: 1.20 )
OSBC' s 10-Year P/S Range
Min: 0.08   Max: 4.95
Current: 1.2

0.08
4.95
PFCF 7.10
OSBC's PFCF is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OSBC: 7.10 )
OSBC' s 10-Year PFCF Range
Min: 0.21   Max: 127.22
Current: 7.1

0.21
127.22
EV-to-EBIT 26.88
OSBC's EV-to-EBIT is ranked higher than
66% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. OSBC: 26.88 )
OSBC' s 10-Year EV-to-EBIT Range
Min: -2617.4   Max: 36.8
Current: 26.88

-2617.4
36.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
OSBC's Price/Tangible Book is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. OSBC: 1.10 )
OSBC' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 33.33
Current: 1.1

0.23
33.33
Price/DCF (Projected) 0.30
OSBC's Price/DCF (Projected) is ranked higher than
95% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. OSBC: 0.30 )
OSBC' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 1.38
Current: 0.3

0.04
1.38
Price/Median PS Value 1.20
OSBC's Price/Median PS Value is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. OSBC: 1.20 )
OSBC' s 10-Year Price/Median PS Value Range
Min: 0.11   Max: 5.44
Current: 1.2

0.11
5.44
Price/Graham Number 0.90
OSBC's Price/Graham Number is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OSBC: 0.90 )
OSBC' s 10-Year Price/Graham Number Range
Min: 0.13   Max: 1.66
Current: 0.9

0.13
1.66
Earnings Yield (Greenblatt) 3.70
OSBC's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OSBC: 3.70 )
OSBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 153.4
Current: 3.7

2.7
153.4
Forward Rate of Return (Yacktman) 15.55
OSBC's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. OSBC: 15.55 )
OSBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.1   Max: 276
Current: 15.55

4.1
276

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Old Second Bancorp Inc was incorporated on 8th September, 1981 in Delaware. The Bank's 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, farm loans, lines of credit and overdraft checking; safe deposit operations; trust services; wealth management services, and a number of 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, cashier's checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. The Bank offers a electronic banking services such as Internet banking and corporate cash management products including remote deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox, 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. 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 Bank 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 provides financial services through its 27 banking locations located in Aurora, Illinois, and its surrounding communities and in the Chicago metropolitan area. These locations includes retail offices in Kane, Kendall, DeKalb, DuPage, LaSalle, Will and southwestern Cook counties in Illinois as of December 31, 2013. The Bank originates residential mortgages, products including conventional, government, and jumbo loans. Secondary marketing of those mortgages is handled at the bank. The Bank faces competition from finance companies, insurance companies, credit unions, mortgage companies, securities brokerage firms, United States Government securities, money market funds, loan production offices and other providers of financial services.
» 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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