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Old Second BancorpFRA:OSB 79 EV-to-FCF is 11.46 as of Aug. 13, 2026, which is 22% above its 10-year median of 9.43. GuruFocus rates FRA:OSB with a GF Score™ of 79/100 and a GF Value™ of €16.50 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,188 Banks companies, Old Second Bancorp ranks worse than 64.48% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Old Second Bancorp's Enterprise Value is €1,399.0 Mil.
Old Second Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €122.1 Mil. Therefore, Old Second Bancorp's EV-to-FCF for today is 11.46.
The historical rank and industry rank for Old Second Bancorp's EV-to-FCF or its related term are showing as below:
FRA:OSB'
s EV-to-FCF Range Over the Past 10 Years
Min: -5.8 Med: 9.43 Max: 23.14
Current: 11.24
During the past 13 years, the highest EV-to-FCF of Old Second Bancorp was 23.14. The lowest was -5.80. And the median was 9.43.
FRA:OSB's EV-to-FCF is ranked worse than 64.48% of 1188
companies
in the Banks industry
Industry Median: 7.32
vs FRA:OSB: 11.24
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Old Second Bancorp (FRA:OSB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Old Second Bancorp's PE Ratio (TTM) for today is calculated as:
Old Second Bancorp's share price for today is €21.60.
Old Second Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.498.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Old Second Bancorp EV-to-FCF Related Terms
Old Second Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Old Second Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Old Second Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's EV-to-FCF falls into.
Old Second Bancorp's current Enterprise Value is €1,399.0 Mil.
Old Second Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €122.1 Mil.
* 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 EV-to-FCF of 11.46 as of Aug. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Old Second Bancorp and its competitors. This is 22% above median its historical median of 9.43. According to the industry distribution chart, Old Second Bancorp ranks #766 out of 1188 companies in the Banks industry, placing it in the top 64.5%.
Is Old Second Bancorp's EV-to-FCF too high?
Old Second Bancorp's current EV-to-FCF of 11.46 is 22% above median its 10-year median of 9.43. The Banks industry median EV-to-FCF is 7.32. Old Second Bancorp's value of 11.46 is 56.6% above this industry median. Based on the distribution chart, Old Second Bancorp ranks #766 out of 1188 companies in the Banks industry, which is below the industry midpoint. Overall, Old Second Bancorp has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's EV-to-FCF compare to UVSP and HFWA?
According to the Banks industry distribution chart, Old Second Bancorp ranks #766 out of 1188 companies for EV-to-FCF. This places Old Second Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.32. Old Second Bancorp's value of 11.46 is 56.6% above this benchmark. While the company's 10-year median is 9.43 vs. the industry median of 7.32, Old Second Bancorp has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.32, based on 1,188 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current EV-to-FCF of 11.46 is 56.6% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current EV-to-FCF is 11.46, which is 22% above median its own 10-year median of 9.43. 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 €16.50, compared to a current price of €21.60 — trading 30.9% above its estimated fair value. The current EV-to-FCF is 11.46, which is 22% above median its 10-year median of 9.43 and 56.6% above the Banks industry median of 7.32. Old Second Bancorp's overall GF Score™ is 79/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current EV-to-FCF is 11.46 as of Aug. 13, 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 €21.60 is trading 30.9% above its estimated GF Value™ of €16.50.
GuruFocus considers Old Second Bancorp to be Significantly Overvalued.
Key valuation signals for FRA:OSB:
EV-to-FCF: 11.46 (22% above median its 10-year median of 9.43)
GF Value™: €16.50 vs. price of €21.60 (30.9% above fair value)
Industry Position: 56.6% above the Banks median (#766 of 1188)
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.
79GF Score
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