Old Second Bancorp Inc

Find Ratings Reports
OSBC : NASDAQ : Financial
$12.5 | %
Today's Range: 12.35 - 12.6783
Avg. Daily Volume: 89500.0
09/22/17 - 4:00 PM ET

Financial Analysis


OLD SECOND BANCORP INC/IL's gross profit margin for the second quarter of its fiscal year 2017 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 14.02% from the same quarter last year.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)29.4425.06
EBITDA ($mil)13.8412.48
EBIT ($mil)13.2211.95
Net Income ($mil)5.463.85


Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)51.140.33
Total Assets ($mil)2343.442159.77
Total Debt ($mil)212.98196.21
Equity ($mil)191.13167.62


Profitability Q2 FY17 Q2 FY16
Gross Profit Margin86.7990.36
EBITDA Margin47.0149.8
Operating Margin44.8947.68
Sales Turnover0.050.04
Return on Assets0.790.69
Return on Equity9.78.7
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Debt/Capital0.530.54
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)29.6329.56
Div / share0.010.01
EPS0.180.13
Book value / share6.455.67
Institutional Own % n/a n/a
Avg Daily Volume89300.091819.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 22.37 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.88. Conducting a second comparison, its price-to-book ratio of 1.81 indicates a discount versus the S&P 500 average of 3.10 and a premium versus the industry average of 1.27. The current price-to-sales ratio is well above the S&P 500 average and above the industry average, indicating a premium.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
OSBC 18.79 Peers 22.37   OSBC 6.41 Peers 13.38

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.

 

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 significant discount 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 14.12 Peers 13.70   OSBC 0.46 Peers 1.49

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 1.81 Peers 1.27   OSBC 26.53 Peers 8.20

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 significant premium to its peers.

 

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 3.13 Peers 2.75   OSBC 14.76 Peers 5.64

Premium. 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 premium 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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