Old Second Bancorp Inc

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OSBC : NASDAQ : Financial
$11.65 up 0.25 | 2.19%
Today's Range: 11.4 - 11.8
Avg. Daily Volume: 109500.0
07/25/17 - 4:00 PM ET

Financial Analysis


OLD SECOND BANCORP INC/IL's gross profit margin for the first 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 16.31% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)27.823.85
EBITDA ($mil)13.6110.89
EBIT ($mil)12.9910.33
Net Income ($mil)4.573.32


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)60.6836.65
Total Assets ($mil)2353.312121.3
Total Debt ($mil)221.32156.91
Equity ($mil)182.32156.75


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin88.9790.11
EBITDA Margin48.9445.64
Operating Margin46.7243.29
Sales Turnover0.040.05
Return on Assets0.710.71
Return on Equity9.289.03
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.550.5
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)29.5829.48
Div / share0.010.0
EPS0.150.11
Book value / share6.165.32
Institutional Own % n/a n/a
Avg Daily Volume110561.076041.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 46.03 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.66. Conducting a second comparison, its price-to-book ratio of 1.87 indicates a discount versus the S&P 500 average of 3.07 and a premium versus the industry average of 1.30. 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 20.26 Peers 46.03   OSBC 11.08 Peers 11.74

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.

 

Average. 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 valuation on par 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 15.00 Peers 14.10   OSBC 0.63 Peers 1.70

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 1.87 Peers 1.30   OSBC 18.75 Peers 5.00

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 3.23 Peers 2.91   OSBC 9.76 Peers 5.62

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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