OSBC (Old Second Bancorp) Margin of Safety % (DCF FCF Based) : 83.82% (As of Apr. 06, 2025)

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What is Old Second Bancorp Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2025-04-06), Old Second Bancorp's Predictability Rank is 4.5-Stars. Old Second Bancorp's intrinsic value calculated from the Discounted FCF model is $55.61 and current share price is $14.79. Consequently,

Old Second Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 83.82%.

Competitive Comparison of Old Second Bancorp's Margin of Safety % (DCF FCF Based)

For the Banks - Regional subindustry, Old Second Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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's Margin of Safety % (DCF FCF Based) Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Old Second Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Old Second Bancorp's Margin of Safety % (DCF FCF Based) falls into.

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Old Second Bancorp Margin of Safety % (DCF FCF Based) Calculation

Old Second Bancorp's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)	=	(Intrinsic Value: DCF (FCF Based)	-	Current Price)	/	Intrinsic Value: DCF (FCF Based)
	=	(91.43	-	14.79)	/	91.43
	=	83.82 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

Old Second Bancorp Margin of Safety % (DCF FCF Based) Related Terms

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Old Second Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Old Second Bancorp Inc (NAS:OSBC) » Definitions » Margin of Safety % (DCF FCF Based)

Comparable Companies

Traded in Other Exchanges

N/A

Address

37 South River Street, Aurora, IL, USA, 60507

Website

https://www.oldsecond.com

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.

Executives

Lyons Billy J Jr.	director	37 SOUTH RIVER STREET, AURORA IL 60507
Rocks Patti Temple	director	580 CREEKSIDE DRIVE, GENEVA IL 60134
John Ladowicz	director	20201 S. LAGRANGE RD., STE 100, FRANKFORT IL 60423
Gary S Collins	director, officer: Vice Chairman	913 SOUTH BOULEVARD, OAK PARK IL 60302
Barry Finn	director	2000 OGDEN AVE., AURORA IL 60504
John Jr Williams	director	OLD SECOND NATIONAL BANK, 37 S. RIVER ST., AURORA IL 60506
William B Skoglund	director
Keith Kotche	director	37 S. RIVER ST., AURORA IL 60506
Keith Acker	director	OLD SECOND BANK, 37 S. RIVER STREET, AURORA IL 60506
Donald Pilmer	officer: EVP	37 S. RIVER ST., AURORA IL 60506
Hugh H Mclean	director	408 S. PROSPECT AVE, ELMHURST IL 60126
Edward Bonifas	director
James F Tapscott	director	102 WATERSIDE PLACE, BURR RIDGE IL 60527
Dennis L Klaeser	director	235 EAST MAIN STREET, MIDLAND MI 48640
James Eccher	officer: Executive Officer	37 S. RIVER ST., AURORA IL 60506