Old Second Bancorp Inc

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OSBC : NASDAQ : Financial
$10.4 | %
Today's Range: 0.0 - 0.0
Avg. Daily Volume: 67300.0
03/23/17 - 4:00 PM ET

Financial Analysis


OLD SECOND BANCORP INC/IL's gross profit margin for the fourth quarter of its fiscal year 2016 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 12.36% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)28.6224.47
EBITDA ($mil)13.2911.28
EBIT ($mil)13.2910.71
Net Income ($mil)5.023.83


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)47.3340.34
Total Assets ($mil)2251.192077.86
Total Debt ($mil)197.3152.95
Equity ($mil)175.21155.93


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin88.090.57
EBITDA Margin46.4146.1
Operating Margin46.4243.78
Sales Turnover0.050.05
Return on Assets0.690.74
Return on Equity8.958.66
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.530.5
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)29.5629.48
Div / share0.010.0
EPS0.170.13
Book value / share5.935.29
Institutional Own % n/a n/a
Avg Daily Volume70193.087962.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 24.30 for the Commercial Banks industry and a discount compared to the S&P 500 average of 26.73. Conducting a second comparison, its price-to-book ratio of 1.87 indicates a discount versus the S&P 500 average of 2.98 and a premium versus the industry average of 1.31. 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 20.94 Peers 24.30   OSBC NA Peers 209.43

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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
OSBC 15.42 Peers 85.36   OSBC 0.77 Peers 1.71

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.

 

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 1.87 Peers 1.31   OSBC 15.21 Peers -21.03

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 3.22 Peers 2.88   OSBC 5.60 Peers 3.83

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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