OLD SECOND BANCORP INC/IL's gross profit margin for the first quarter of its fiscal year 2015 is essentially unchanged 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 increased by 21.64% from the same quarter last year.
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|Income Statement||Q1 FY15||Q1 FY14|
|Net Sales ($mil)||23.92||23.03|
|Net Income ($mil)||3.5||2.2|
|Balance Sheet||Q1 FY15||Q1 FY14|
|Cash & Equiv. ($mil)||74.16||54.49|
|Total Assets ($mil)||2097.51||2059.42|
|Total Debt ($mil)||160.39||147.09|
|Profitability||Q1 FY15||Q1 FY14|
|Gross Profit Margin||90.52||90.84|
|Return on Assets||0.54||3.82|
|Return on Equity||6.9||49.01|
|Debt||Q1 FY15||Q1 FY14|
|Share Data||Q1 FY15||Q1 FY14|
|Shares outstanding (mil)||29.44||13.92|
|Div / share||0.0||0.0|
|Book value / share||6.18||10.74|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||19883.0||37538.0|
HOLD. This stock's P/E ratio indicates a discount compared to an average of 15.93 for the Commercial Banks industry and a discount compared to the S&P 500 average of 20.83. Conducting a second comparison, its price-to-book ratio of 0.99 indicates a significant discount versus the S&P 500 average of 2.88 and a discount versus the industry average of 1.19. The price-to-sales ratio is similar to the S&P 500 average, but it is significantly below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, OLD SECOND BANCORP INC/IL proves to trade at a discount to investment alternatives within the industry.
|OSBC 12.98||Peers 15.93||OSBC NA||Peers 13.33|
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.
OSBC is trading at a 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.
|OSBC 13.56||Peers 34.42||OSBC NM||Peers 1.21|
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.
|OSBC 0.99||Peers 1.19||OSBC -90.95||Peers 56.11|
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.
|OSBC 1.83||Peers 2.76||OSBC 3.58||Peers -2.00|
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 significant 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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