Old Second Bancorp IncFind Ratings Reports
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 ($mil)||29.44||25.06|
|Net Income ($mil)||5.46||3.85|
|Balance Sheet||Q2 FY17||Q2 FY16|
|Cash & Equiv. ($mil)||51.1||40.33|
|Total Assets ($mil)||2343.44||2159.77|
|Total Debt ($mil)||212.98||196.21|
|Profitability||Q2 FY17||Q2 FY16|
|Gross Profit Margin||86.79||90.36|
|Return on Assets||0.79||0.69|
|Return on Equity||9.7||8.7|
|Debt||Q2 FY17||Q2 FY16|
|Share Data||Q2 FY17||Q2 FY16|
|Shares outstanding (mil)||29.63||29.56|
|Div / share||0.01||0.01|
|Book value / share||6.45||5.67|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||89300.0||91819.0|
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.
|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.
|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.
|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.
|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.