Old Second BancorpOSBC +0.57%69 OCF Yield % is 11.94 as of Jun. 25, 2026, which is 2% below its 10-year median of 12.22. 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 1,501 Banks companies, Old Second Bancorp ranks better than 61.76% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Old Second Bancorp OCF Yield % Related Terms
Old Second Bancorp OCF Yield % Historical Data
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The historical data trend for Old Second Bancorp's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's OCF Yield % 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 OCF Yield % of 11.94 as of Jun. 25, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Old Second Bancorp and its competitors. This is near median its historical median of 12.22. Over the past decade, Old Second Bancorp's OCF Yield % has ranged from 2.32 to 25.95. According to the industry distribution chart, Old Second Bancorp ranks #574 out of 1501 companies in the Banks industry, placing it in the top 38.2%.
Is Old Second Bancorp's OCF Yield % too high?
Old Second Bancorp's current OCF Yield % of 11.94 is near median its 10-year median of 12.22. Over the past 10 years, this metric has ranged from a low of 2.32 to a high of 25.95. The Banks industry median OCF Yield % is 9.25. Old Second Bancorp's value of 11.94 is 29.1% above this industry median. Based on the distribution chart, Old Second Bancorp ranks #574 out of 1501 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 OCF Yield % compare to UVSP and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #574 out of 1501 companies for OCF Yield %. This puts Old Second Bancorp in the upper half of its industry. The industry median OCF Yield % is 9.25. Old Second Bancorp's value of 11.94 is 29.1% above this benchmark. Historically, Old Second Bancorp's own OCF Yield % has ranged from 2.32 to 25.95 over the past decade. While the company's 10-year median is 12.22 vs. the industry median of 9.25, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.25, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current OCF Yield % of 11.94 is 29.1% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current OCF Yield % is 11.94, which is near median its own 10-year median of 12.22. 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 $23.02 — trading 23.4% above its estimated fair value. The current OCF Yield % is 11.94, which is near median its 10-year median of 12.22 and 29.1% above the Banks industry median of 9.25. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current OCF Yield % is 11.94 as of Jun. 25, 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 $23.02 is trading 23.4% above its estimated GF Value™ of $18.66.
GuruFocus considers Old Second Bancorp to be Modestly Overvalued.
Key valuation signals for OSBC:
OCF Yield %: 11.94 (near median its 10-year median of 12.22)
GF Value™: $18.66 vs. price of $23.02 (23.4% above fair value)
Industry Position: 29.1% above the Banks median (#574 of 1501)
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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