Old Second BancorpOSBC +0.57%69 FCF Margin % is 39.21% as of Mar. 2026, which is 8% above its 10-year median of 36.15. GuruFocus rates OSBC with a GF Score™ of 69/100 and a GF Value™ of $18.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Old Second Bancorp ranks better than 68.02% on this metric.
The historical rank and industry rank for Old Second Bancorp's FCF Margin % or its related term are showing as below:
OSBC'
s FCF Margin % Range Over the Past 10 Years
Min: 17.37 Med: 36.15 Max: 44.06
Current: 38.94
During the past 13 years, the highest FCF Margin % of Old Second Bancorp was 44.06%. The lowest was 17.37%. And the median was 36.15%.
OSBC's FCF Margin % is ranked better than 68.02% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs OSBC: 38.94
Old Second Bancorp FCF Margin % Related Terms
Old Second Bancorp FCF Margin % Historical Data
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The historical data trend for Old Second Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's FCF Margin % 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 (OSBC) has a FCF Margin % of 39.21% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Old Second Bancorp and its competitors. This is near median its historical median of 36.15. Over the past decade, Old Second Bancorp's FCF Margin % has ranged from 17.37 to 44.06. According to the industry distribution chart, Old Second Bancorp ranks #481 out of 1504 companies in the Banks industry, placing it in the top 32%.
Is Old Second Bancorp's FCF Margin % too high?
Old Second Bancorp's current FCF Margin % of 39.21% is near median its 10-year median of 36.15. Over the past 10 years, this metric has ranged from a low of 17.37 to a high of 44.06. The Banks industry median FCF Margin % is 26.50. Old Second Bancorp's value of 39.21% is 48% above this industry median. Based on the distribution chart, Old Second Bancorp ranks #481 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Old Second Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's FCF Margin % compare to UVSP and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #481 out of 1504 companies for FCF Margin %. This puts Old Second Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Old Second Bancorp's value of 39.21% is 48% above this benchmark. Historically, Old Second Bancorp's own FCF Margin % has ranged from 17.37 to 44.06 over the past decade. While the company's 10-year median is 36.15 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current FCF Margin % of 39.21% is 48% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current FCF Margin % is 39.21%, which is near median its own 10-year median of 36.15. 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 (OSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.66, compared to a current price of $23.01 — trading 23.3% above its estimated fair value. The current FCF Margin % is 39.21%, which is near median its 10-year median of 36.15 and 48% above the Banks industry median of 26.50. Old Second Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current FCF Margin % is 39.21% as of Mar. 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 (OSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued.
The current stock price of $23.01 is trading 23.3% above its estimated GF Value™ of $18.66.
GuruFocus considers Old Second Bancorp to be Modestly Overvalued.
Key valuation signals for OSBC:
FCF Margin %: 39.21% (near median its 10-year median of 36.15)
GF Value™: $18.66 vs. price of $23.01 (23.3% above fair value)
Industry Position: 48% above the Banks median (#481 of 1504)
No single metric tells the full story. See the OSBC 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.
69GF Score
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