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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 0.33
OSBC's Cash-to-Debt is ranked lower than
81% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OSBC: 0.33 )
Ranked among companies with meaningful Cash-to-Debt only.
OSBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 1 Max: N/A
Current: 0.33
Equity-to-Asset 0.08
OSBC's Equity-to-Asset is ranked lower than
71% of the 1628 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: 0.08 Max: 0.11
Current: 0.08
0.04
0.11
Interest Coverage 2.44
OSBC's Interest Coverage is ranked higher than
60% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. OSBC: 2.44 )
Ranked among companies with meaningful Interest Coverage only.
OSBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.86 Max: 2.68
Current: 2.44
0.21
2.68
Beneish M-Score: -2.39
WACC vs ROIC
6.21%
6.96%
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 : 3/10

vs
industry
vs
history
Operating Margin % 27.24
OSBC's Operating Margin % is ranked lower than
62% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OSBC: 27.24 )
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: 32.64
Current: 27.24
-85.39
32.64
Net Margin % 17.78
OSBC's Net Margin % is ranked lower than
67% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. OSBC: 17.78 )
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: 17.78
-87.96
94.97
ROE % 9.92
OSBC's ROE % is ranked higher than
61% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. OSBC: 9.92 )
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: 9.92
-80.51
69.77
ROA % 0.77
OSBC's ROA % is ranked lower than
59% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OSBC: 0.77 )
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: 0.77
-4.6
4.05
3-Year Revenue Growth Rate -20.50
OSBC's 3-Year Revenue Growth Rate is ranked lower than
95% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. OSBC: -20.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OSBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -24.1  Med: 7 Max: 20.4
Current: -20.5
-24.1
20.4
3-Year EBITDA Growth Rate -4.70
OSBC's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OSBC: -4.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OSBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -24.3  Med: 9.7 Max: 26.9
Current: -4.7
-24.3
26.9
3-Year EPS without NRI Growth Rate -54.00
OSBC's 3-Year EPS without NRI Growth Rate is ranked lower than
97% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OSBC: -54.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OSBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -58.5  Med: 6.4 Max: 21.9
Current: -54
-58.5
21.9
GuruFocus has detected 5 Warning Signs with Old Second Bancorp Inc $OSBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OSBC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:PFIS, NAS:BSRR, NAS:CCBG, NAS:MBVT, NAS:CCNE, NAS:MCBC, NAS:CNBKA, NAS:AMNB, NAS:WNEB, NAS:PCSB, NAS:OLBK, NAS:NKSH, NAS:EQBK, NAS:BMRC, NAS:FFKT, NAS:WTBA, NAS:MBRG, NAS:ATLO, NAS:FNLC, NAS:BLMT » details
Headquarter Location:USA
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit and also commercial, industrial, consumer and real estate lending services.

Old Second Bancorp Inc is a registered bank holding company registered in the United States. The company conducts a service community banking and trust business through its subsidiaries. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, individual retirement and Keogh deposit accounts as well as 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 additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The company's revenue consists of interest, commission, fees and other income.

Ratios

vs
industry
vs
history
PE Ratio 19.65
OSBC's PE Ratio is ranked lower than
74% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. OSBC: 19.65 )
Ranked among companies with meaningful PE Ratio only.
OSBC' s PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 14.97 Max: 24.83
Current: 19.65
0.79
24.83
Forward PE Ratio 15.41
OSBC's Forward PE Ratio is ranked lower than
52% of the 384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.67 vs. OSBC: 15.41 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.65
OSBC's PE Ratio without NRI is ranked lower than
74% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. OSBC: 19.65 )
Ranked among companies with meaningful PE Ratio without NRI only.
OSBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.79  Med: 14.97 Max: 24.83
Current: 19.65
0.79
24.83
Price-to-Owner-Earnings 20.18
OSBC's Price-to-Owner-Earnings is ranked lower than
75% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. OSBC: 20.18 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OSBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.59  Med: 10.77 Max: 32.29
Current: 20.18
0.59
32.29
PB Ratio 1.82
OSBC's PB Ratio is ranked lower than
82% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. OSBC: 1.82 )
Ranked among companies with meaningful PB Ratio only.
OSBC' s PB Ratio Range Over the Past 10 Years
Min: 0.11  Med: 1.3 Max: 59.18
Current: 1.82
0.11
59.18
PS Ratio 3.52
OSBC's PS Ratio is ranked lower than
53% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. OSBC: 3.52 )
Ranked among companies with meaningful PS Ratio only.
OSBC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.99 Max: 4.16
Current: 3.52
0.08
4.16
Price-to-Free-Cash-Flow 11.65
OSBC's Price-to-Free-Cash-Flow is ranked lower than
51% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. OSBC: 11.65 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OSBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.21  Med: 8.43 Max: 620
Current: 11.65
0.21
620
Price-to-Operating-Cash-Flow 10.84
OSBC's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. OSBC: 10.84 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OSBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.2  Med: 7.81 Max: 137.78
Current: 10.84
0.2
137.78
EV-to-EBIT 17.63
OSBC's EV-to-EBIT is ranked lower than
67% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. OSBC: 17.63 )
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: 17.63
-27.1
36.8
EV-to-EBITDA 16.16
OSBC's EV-to-EBITDA is ranked lower than
69% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. OSBC: 16.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
OSBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -365.7  Med: 10.95 Max: 24.4
Current: 16.16
-365.7
24.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.36
OSBC's Dividend Yield % is ranked lower than
97% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. OSBC: 0.36 )
Ranked among companies with meaningful Dividend Yield % only.
OSBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.13  Med: 1.89 Max: 11.76
Current: 0.36
0.13
11.76
Dividend Payout Ratio 0.07
OSBC's Dividend Payout Ratio is ranked higher than
96% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. OSBC: 0.07 )
Ranked among companies with meaningful Dividend Payout Ratio only.
OSBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.31 Max: 0.73
Current: 0.07
0.06
0.73
Forward Dividend Yield % 0.36
OSBC's Forward Dividend Yield % is ranked lower than
98% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. OSBC: 0.36 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.35
OSBC's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. OSBC: 0.35 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OSBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13  Med: 1.89 Max: 11.76
Current: 0.35
0.13
11.76
3-Year Average Share Buyback Ratio -28.50
OSBC's 3-Year Average Share Buyback Ratio is ranked lower than
94% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OSBC: -28.50 )
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: -28.5  Med: -0.6 Max: 4.9
Current: -28.5
-28.5
4.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.99
OSBC's Price-to-Tangible-Book is ranked lower than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. OSBC: 1.99 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OSBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.23  Med: 1.55 Max: 34.48
Current: 1.99
0.23
34.48
Price-to-Intrinsic-Value-Projected-FCF 0.89
OSBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
62% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. OSBC: 0.89 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OSBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.63 Max: 1.38
Current: 0.89
0.04
1.38
Price-to-Median-PS-Value 3.57
OSBC's Price-to-Median-PS-Value is ranked lower than
98% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. OSBC: 3.57 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OSBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.11  Med: 2.88 Max: 11.32
Current: 3.57
0.11
11.32
Price-to-Graham-Number 1.32
OSBC's Price-to-Graham-Number is ranked lower than
78% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. OSBC: 1.32 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OSBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.19  Med: 1.03 Max: 1.54
Current: 1.32
0.19
1.54
Earnings Yield (Greenblatt) % 5.69
OSBC's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. OSBC: 5.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OSBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -112.8  Med: 5.7 Max: 153.4
Current: 5.69
-112.8
153.4
Forward Rate of Return (Yacktman) % -0.21
OSBC's Forward Rate of Return (Yacktman) % is ranked lower than
81% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. OSBC: -0.21 )
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: -0.21  Med: 46.3 Max: 276
Current: -0.21
-0.21
276

More Statistics

Revenue (TTM) (Mil) $95.25
EPS (TTM) $ 0.57
Beta0.81
Short Percentage of Float1.41%
52-Week Range $6.48 - 12.75
Shares Outstanding (Mil)29.58

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.72 0.75
EPS without NRI ($) 0.72 0.75
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.04 0.08
» More Articles for OSBC

Headlines

Articles On GuruFocus.com
Old Second Bancorp Names Brad Adams Executive Vice President and Chief Financial Officer Apr 25 2017 
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. breached its 50 day moving average in a Bearish Manner : OSBC-US : June 22,... Jun 22 2017
ETFs with exposure to Old Second Bancorp, Inc. : June 12, 2017 Jun 12 2017
Old Second Bancorp, Inc. :OSBC-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017 Jun 09 2017
Old Second Bancorp, Inc. – Value Analysis (NASDAQ:OSBC) : June 8, 2017 Jun 08 2017
3 Reasons to Bet on Old Second Bancorp (OSBC) Stock Now Jun 05 2017
4 Reasons Why Peoples Bancorp (PEBO) Stock is Worth Buying May 30 2017
Old Second Bancorp (OSBC): Strong Industry, Solid Earnings Estimate Revisions May 12 2017
Edited Transcript of OSBC earnings conference call or presentation 27-Apr-17 3:00pm GMT Apr 30 2017
Investor Network: Old Second Bancorp, Inc. to Host Earnings Call Apr 27 2017
Old Second Bancorp posts 1Q profit Apr 26 2017
Old Second Reports First Quarter 2017 Net Income of $4.6 Million Apr 26 2017
Old Second Bancorp, Inc. : OSBC-US: Dividend Analysis : April 28th, 2017 (record date) : By the... Apr 26 2017
ETFs with exposure to Old Second Bancorp, Inc. : April 25, 2017 Apr 25 2017
Old Second Bancorp Names Brad Adams Executive Vice President and Chief Financial Officer Apr 25 2017
Old Second Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : OSBC-US : March... Mar 22 2017
Old Second Bancorp, Inc. :OSBC-US: Earnings Analysis: Q4, 2016 By the Numbers : February 15, 2017 Feb 15 2017
Old Second Bancorp's CFO Doug Cheatham to Retire Feb 07 2017
Edited Transcript of OSBC earnings conference call or presentation 26-Jan-17 4:00pm GMT Jan 26 2017
Old Second Reports Fourth Quarter 2016 Net Income of $5.0 Million Jan 25 2017

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