Old Second Bancorp Inc

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OSBC : NASDAQ : Financial
$7.25 | %
Today's Range: 7.11 - 7.25
Avg. Daily Volume: 44,000
07/22/16 - 4:00 PM ET

Financial Analysis


OLD SECOND BANCORP INC/IL's gross profit margin for the first quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. Sales and net income have dropped, although the growth in revenues underperformed the average competitor within the industry, the net income growth did not.

During the same period, stockholders' equity ("net worth") has decreased by 13.79% from the same quarter last year.

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Income Statement Q1 FY16 Q1 FY15
Net Sales ($mil)23.8523.92
EBITDA ($mil)10.2810.13
EBIT ($mil)9.729.52
Net Income ($mil)3.323.5


Balance Sheet Q1 FY16 Q1 FY15
Cash & Equiv. ($mil)36.6574.16
Total Assets ($mil)2121.32097.51
Total Debt ($mil)156.91160.39
Equity ($mil)156.75181.84


Profitability Q1 FY16 Q1 FY15
Gross Profit Margin90.1190.52
EBITDA Margin43.142.33
Operating Margin40.7539.8
Sales Turnover0.050.05
Return on Assets0.710.54
Return on Equity9.036.9
Debt Q1 FY16 Q1 FY15
Current Ratio0.00.0
Debt/Capital0.50.47
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY16 Q1 FY15
Shares outstanding (mil)29.4829.47
Div / share0.00.0
EPS0.110.09
Book value / share5.326.17
Institutional Own % n/a n/a
Avg Daily Volume43357.047282.0

Valuation


BUY. The current P/E ratio indicates a premium compared to an average of 11.95 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.03. Conducting a second comparison, its price-to-book ratio of 1.35 indicates a discount versus the S&P 500 average of 2.80 and a premium versus the industry average of 1.08. The current price-to-sales ratio is above the S&P 500 average, but below the industry average. After reviewing these and other key valuation criteria, OLD SECOND BANCORP INC/IL proves to trade at a premium to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
OSBC 14.98 Peers 11.95   OSBC 10.20 Peers 7.62

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

OSBC is trading at a significant premium to its peers.

 

Premium. 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 significant premium to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
OSBC 14.38 Peers 12.14   OSBC 1.72 Peers 3.24

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 premium to its peers.

 

Discount. 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 trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
OSBC 1.35 Peers 1.08   OSBC 2.12 Peers 10.04

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

OSBC is trading at a premium 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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
OSBC 2.20 Peers 2.38   OSBC -1.72 Peers 0.18

Average. 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 valuation on par with its industry on this measurement.

 

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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