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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 0.26
OSBC's Cash to Debt is ranked lower than
83% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. OSBC: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
OSBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.67 Max: 18.18
Current: 0.26
0.15
18.18
Equity to Asset 0.08
OSBC's Equity to Asset is ranked lower than
71% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OSBC: 0.08 )
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: 0.08
0.04
0.11
Interest Coverage 2.52
OSBC's Interest Coverage is ranked higher than
61% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. OSBC: 2.52 )
Ranked among companies with meaningful Interest Coverage only.
OSBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.79 Max: 2.68
Current: 2.52
0.21
2.68
F-Score: 5
M-Score: -2.52
WACC vs ROIC
3.98%
5.89%
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 (%) 27.14
OSBC's Operating margin (%) is ranked lower than
59% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. OSBC: 27.14 )
Ranked among companies with meaningful Operating margin (%) only.
OSBC' s Operating margin (%) Range Over the Past 10 Years
Min: -85.39  Med: 13.32 Max: 33.56
Current: 27.14
-85.39
33.56
Net-margin (%) 17.20
OSBC's Net-margin (%) is ranked lower than
67% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. OSBC: 17.20 )
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: 17.2
-87.96
94.97
ROE (%) 8.90
OSBC's ROE (%) is ranked higher than
55% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. OSBC: 8.90 )
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: 8.9
-80.51
69.77
ROA (%) 0.71
OSBC's ROA (%) is ranked lower than
62% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. OSBC: 0.71 )
Ranked among companies with meaningful ROA (%) only.
OSBC' s ROA (%) Range Over the Past 10 Years
Min: -4.6  Med: 0.5 Max: 4.05
Current: 0.71
-4.6
4.05
Revenue Growth (3Y)(%) -24.10
OSBC's Revenue Growth (3Y)(%) is ranked lower than
95% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. OSBC: -24.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OSBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.1  Med: 6.8 Max: 20.4
Current: -24.1
-24.1
20.4
EBITDA Growth (3Y)(%) -9.00
OSBC's EBITDA Growth (3Y)(%) is ranked lower than
84% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. OSBC: -9.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OSBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.3  Med: 14 Max: 26.9
Current: -9
-24.3
26.9
» OSBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-21)


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

» Details

Guru Trades

Q3 2015

OSBC Guru Trades in Q3 2015

Jim Simons 361,900 sh (+19.83%)
» More
Q4 2015

OSBC Guru Trades in Q4 2015

Jim Simons 389,600 sh (+7.65%)
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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
» Details

Insider Trades

Latest Guru Trades with OSBC

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:NKSH, NAS:TBBK, NAS:AMNB, NAS:ANCX, NAS:ATLO, NAS:CNBKA, NAS:CCBG, OTCPK:ALRS, NAS:FMBH, NAS:BSRR, NAS:FFKT, NAS:CZNC, NAS:FNLC, NAS:MBVT, AMEX:BHB, NAS:MNRK, NAS:YCB, OTCPK:ISBA, NAS:MCBC, NAS:BLMT » 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) 16.74
OSBC's P/E(ttm) is ranked lower than
67% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. OSBC: 16.74 )
Ranked among companies with meaningful P/E(ttm) only.
OSBC' s P/E(ttm) Range Over the Past 10 Years
Min: 0.79  Med: 14.86 Max: 24.83
Current: 16.74
0.79
24.83
Forward P/E 13.44
OSBC's Forward P/E is ranked lower than
60% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. OSBC: 13.44 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.74
OSBC's PE(NRI) is ranked lower than
67% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. OSBC: 16.74 )
Ranked among companies with meaningful PE(NRI) only.
OSBC' s PE(NRI) Range Over the Past 10 Years
Min: 0.79  Med: 14.86 Max: 24.83
Current: 16.74
0.79
24.83
Price/Owner Earnings (ttm) 24.93
OSBC's Price/Owner Earnings (ttm) is ranked lower than
85% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. OSBC: 24.93 )
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: 10.79 Max: 33.01
Current: 24.93
0.59
33.01
P/B 1.43
OSBC's P/B is ranked lower than
75% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. OSBC: 1.43 )
Ranked among companies with meaningful P/B only.
OSBC' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 1.3 Max: 59.18
Current: 1.43
0.11
59.18
P/S 2.81
OSBC's P/S is ranked higher than
53% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. OSBC: 2.81 )
Ranked among companies with meaningful P/S only.
OSBC' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 0.99 Max: 4.47
Current: 2.81
0.08
4.47
PFCF 11.85
OSBC's PFCF is ranked lower than
57% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. OSBC: 11.85 )
Ranked among companies with meaningful PFCF only.
OSBC' s PFCF Range Over the Past 10 Years
Min: 0.21  Med: 9.58 Max: 114.81
Current: 11.85
0.21
114.81
POCF 11.24
OSBC's POCF is ranked lower than
61% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. OSBC: 11.24 )
Ranked among companies with meaningful POCF only.
OSBC' s POCF Range Over the Past 10 Years
Min: 0.2  Med: 7.46 Max: 68.89
Current: 11.24
0.2
68.89
EV-to-EBIT 15.07
OSBC's EV-to-EBIT is ranked lower than
59% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. OSBC: 15.07 )
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: 15.07
-27.1
36.8
EV-to-EBITDA 13.76
OSBC's EV-to-EBITDA is ranked lower than
59% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. OSBC: 13.76 )
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: 13.76
-365.7
24.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.24
OSBC's Dividend Yield is ranked lower than
98% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. OSBC: 0.24 )
Ranked among companies with meaningful Dividend Yield only.
OSBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.12  Med: 1.89 Max: 11.76
Current: 0.24
0.12
11.76
Dividend Payout 0.02
OSBC's Dividend Payout is ranked higher than
99% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OSBC: 0.02 )
Ranked among companies with meaningful Dividend Payout only.
OSBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.27 Max: 4
Current: 0.02
0.02
4
Forward Dividend Yield 0.49
OSBC's Forward Dividend Yield is ranked lower than
97% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. OSBC: 0.49 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.24
OSBC's Yield on cost (5-Year) is ranked lower than
97% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. OSBC: 0.24 )
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: 0.12  Med: 1.89 Max: 11.76
Current: 0.24
0.12
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 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 Max: 4.9
Current: -27.9
-28
4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.49
OSBC's Price/Tangible Book is ranked lower than
69% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. OSBC: 1.49 )
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: 1.49
0.23
34.48
Price/Projected FCF 0.92
OSBC's Price/Projected FCF is ranked lower than
72% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. OSBC: 0.92 )
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: 0.92
0.04
1.38
Price/Median PS Value 2.86
OSBC's Price/Median PS Value is ranked lower than
97% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. OSBC: 2.86 )
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: 2.79 Max: 4.66
Current: 2.86
0.11
4.66
Price/Graham Number 1.05
OSBC's Price/Graham Number is ranked lower than
67% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. OSBC: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
OSBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.19  Med: 1.08 Max: 1.54
Current: 1.05
0.19
1.54
Earnings Yield (Greenblatt) (%) 6.62
OSBC's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. OSBC: 6.62 )
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: 6.62
2.7
153.4
Forward Rate of Return (Yacktman) (%) 3.92
OSBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. OSBC: 3.92 )
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: 31.1 Max: 276
Current: 3.92
3.8
276

More Statistics

Revenue (TTM) (Mil) $86.75
EPS (TTM) $ 0.49
Beta0.29
Short Percentage of Float1.40%
52-Week Range $5.98 - 8.41
Shares Outstanding (Mil)29.55

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.55 0.61
EPS w/o NRI ($) 0.55 0.61
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.03 0.04
» 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 

More From Other Websites
OLD SECOND BANCORP INC Financials Aug 17 2016
OLD SECOND BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 08 2016
Old Second Announces Agreement to Acquire the Chicago Branch of Talmer Bank and Trust Aug 01 2016
Old Second Announces Agreement to Acquire the Chicago Branch of Talmer Bank and Trust Aug 01 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Aug 01 2016
Edited Transcript of OSBC earnings conference call or presentation 27-Jul-16 3:00pm GMT Jul 27 2016
Old Second Reports Second Quarter 2016 Net Income of $3.8 Million Jul 26 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 26 2016
Q2 2016 Old Second Bancorp Inc Earnings Release - After Market Close Jul 26 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Other Events Jul 20 2016
ETF’s with exposure to Old Second Bancorp, Inc. : July 1, 2016 Jul 01 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Other Events Jul 01 2016
Old Second Bancorp, Inc. :OSBC-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... May 18 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Regulation FD Disclosure May 17 2016
OLD SECOND BANCORP INC Files SEC form 10-Q, Quarterly Report May 06 2016
OLD SECOND BANCORP INC Files SEC form 8-K, Regulation FD Disclosure May 05 2016
ETF’s with exposure to Old Second Bancorp, Inc. : April 29, 2016 Apr 29 2016
Old Second Bancorp, Inc. :OSBC-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 25 2016
Edited Transcript of OSBC earnings conference call or presentation 21-Apr-16 3:00pm GMT Apr 22 2016

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