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Stocks Under $10 with 50-100% upside potential - 14 days FREE!

Old Second Bancorp Inc
OSBC : NASDAQ : Financial
$4.85 0.09 | 1.89%
Today's Range: 4.70 - 4.89
Avg. Daily Volume: 55,600
07/29/14 - 4:00 PM ET

Financial Analysis


OLD SECOND BANCORP INC/IL's gross profit margin for the second quarter of its fiscal year 2014 is essentially unchanged when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its industry.

At the same time, stockholders' equity ("net worth") has greatly increased by 170.90% from the same quarter last year.

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Income Statement Q2 FY14 Q2 FY13
Net Sales ($mil)24.1227.03
EBITDA ($mil)10.7813.76
EBIT ($mil)10.7812.51
Net Income ($mil)2.023.48


Balance Sheet Q2 FY14 Q2 FY13
Cash & Equiv. ($mil)93.0667.86
Total Assets ($mil)2046.861932.93
Total Debt ($mil)142.01134.39
Equity ($mil)192.6271.1


Profitability Q2 FY14 Q2 FY13
Gross Profit Margin91.7593.55
EBITDA Margin44.6850.9
Operating Margin44.6946.28
Sales Turnover0.040.06
Return on Assets3.770.54
Return on Equity40.087.69
Debt Q2 FY14 Q2 FY13
Current Ratio0.00.0
Debt/Capital0.420.65
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY14 Q2 FY13
Shares outstanding (mil)0.013.88
Div / share0.00.0
EPS0.260.15
Book value / share0.05.12
Institutional Own % n/a n/a
Avg Daily Volume57428.091839.0

Valuation


HOLD. OLD SECOND BANCORP INC/IL's P/E ratio indicates a significant discount compared to an average of 28.75 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 19.71.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
OSBC 0.90 Peers 28.75   OSBC NA Peers 8.60

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

OSBC is trading at a significant discount to its peers.

 

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

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
OSBC 19.00 Peers 13.40   OSBC NM Peers 1.32

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

OSBC is trading at a significant premium 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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
OSBC NA Peers 1.26   OSBC 1258.97 Peers -1.88

Neutral. 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.

Ratio not available.

 

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

OSBC is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
OSBC NA Peers 2.56   OSBC -18.75 Peers -1.56

Neutral. 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.

Ratio not available.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

OSBC significantly trails its peers on the basis of sales growth

 

 

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