Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Old Second BancorpFRA:OSB -0.99%73 Cash-to-Debt is 0.32 as of Jun. 2026, which is 3% below its 10-year median of 0.33. GuruFocus rates FRA:OSB with a GF Score™ of 73/100 and a GF Value™ of €15.23 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,489 Banks companies, Old Second Bancorp ranks worse than 83.81% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Old Second Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.32.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Old Second Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Old Second Bancorp's Cash-to-Debt or its related term are showing as below:
FRA:OSB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 0.33 Max: 5.06
Current: 0.32
During the past 13 years, Old Second Bancorp's highest Cash to Debt Ratio was 5.06. The lowest was 0.20. And the median was 0.33.
FRA:OSB's Cash-to-Debt is ranked worse than 83.81% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs FRA:OSB: 0.32
Old Second Bancorp (FRA:OSB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Old Second Bancorp Cash-to-Debt Related Terms
Old Second Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Old Second Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:OSB vs HBT, FMBH, PFBC: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Old Second Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Old Second Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Old Second Bancorp (FRA:OSB) has a Cash-to-Debt of 0.32 as of Jun. 2026. This is near median its historical median of 0.33. Over the past decade, Old Second Bancorp's Cash-to-Debt has ranged from 0.20 to 5.06. According to the industry distribution chart, Old Second Bancorp ranks #1248 out of 1489 companies in the Banks industry, placing it in the top 83.8%.
Is Old Second Bancorp's Cash-to-Debt too high?
Old Second Bancorp's current Cash-to-Debt of 0.32 is near median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 5.06. The Banks industry median Cash-to-Debt is 1.38. Old Second Bancorp's value of 0.32 is 76.8% below this industry median. Based on the distribution chart, Old Second Bancorp ranks #1248 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Old Second Bancorp has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Cash-to-Debt compare to HBT and FMBH?
According to the Banks industry distribution chart, Old Second Bancorp ranks #1248 out of 1489 companies for Cash-to-Debt. This places Old Second Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Old Second Bancorp's value of 0.32 is 76.8% below this benchmark. Historically, Old Second Bancorp's own Cash-to-Debt has ranged from 0.20 to 5.06 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 1.38, Old Second Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current Cash-to-Debt of 0.32 is 76.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current Cash-to-Debt is 0.32, which is near median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old Second Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Old Second Bancorp (FRA:OSB) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.23, compared to a current price of €20.00 — trading 31.3% above its estimated fair value. The current Cash-to-Debt is 0.32, which is near median its 10-year median of 0.33 and 76.8% below the Banks industry median of 1.38. Old Second Bancorp's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current Cash-to-Debt is 0.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Old Second Bancorp (FRA:OSB) Overvalued in 2026?
Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued.
The current stock price of €20.00 is trading 31.3% above its estimated GF Value™ of €15.23.
GuruFocus considers Old Second Bancorp to be Significantly Overvalued.
Key valuation signals for FRA:OSB:
Cash-to-Debt: 0.32 (near median its 10-year median of 0.33)
GF Value™: €15.23 vs. price of €20.00 (31.3% above fair value)
Industry Position: 76.8% below the Banks median (#1248 of 1489)
No single metric tells the full story. See the FRA:OSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 individual retirement 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 has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
73GF Score
Get the complete analysis for FRA:OSB
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:OSB has been successfully added to your 
