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Old Second Bancorp Inc
OSBC : NASDAQ : Financial
$6.19 -0.06 | -0.96%
Today's Range: 6.16 - 6.25
Avg. Daily Volume: 62,600
10/06/15 - 4:00 PM ET

Financial Analysis

OLD SECOND BANCORP INC/IL's gross profit margin for the second quarter of its fiscal year 2015 has increased when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 3.82% from the same quarter last year.

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Income Statement Q2 FY15 Q2 FY14
Net Sales ($mil)25.4324.12
EBITDA ($mil)14.1910.78
EBIT ($mil)13.589.64
Net Income ($mil)4.132.02

Balance Sheet Q2 FY15 Q2 FY14
Cash & Equiv. ($mil)38.5293.06
Total Assets ($mil)2065.052046.86
Total Debt ($mil)156.29142.01
Equity ($mil)185.24192.62

Profitability Q2 FY15 Q2 FY14
Gross Profit Margin100.2691.75
EBITDA Margin55.7944.68
Operating Margin53.439.97
Sales Turnover0.050.04
Return on Assets0.653.77
Return on Equity5.3240.08
Debt Q2 FY15 Q2 FY14
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q2 FY15 Q2 FY14
Shares outstanding (mil)29.4829.44
Div / share0.00.0
Book value / share6.286.54
Institutional Own % n/a n/a
Avg Daily Volume65565.0104473.0


HOLD. The current P/E ratio indicates a premium compared to an average of 17.17 for the Commercial Banks industry and a value on par with the S&P 500 average of 19.38. Conducting a second comparison, its price-to-book ratio of 0.98 indicates a significant discount versus the S&P 500 average of 2.58 and a discount versus the industry average of 1.09. The current price-to-sales ratio is above the S&P 500 average, but below the industry average.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
OSBC 18.73 Peers 17.17   OSBC 8.73 Peers 10.23

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

OSBC is trading at a valuation on par with its peers.


Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

OSBC is trading at a discount to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
OSBC 13.73 Peers 27.09   OSBC NM Peers 0.76

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

OSBC is trading at a significant discount to its peers.


Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

OSBC's negative PEG ratio makes this valuation measure meaningless.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
OSBC 0.98 Peers 1.09   OSBC -93.78 Peers 30.98

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

OSBC is trading at a discount to its peers.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, OSBC is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
OSBC 1.83 Peers 2.28   OSBC 8.28 Peers -0.20

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

OSBC is trading at a discount to its industry on this measurement.


Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

OSBC has a sales growth rate that significantly exceeds its peers.



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