Old Second Bancorp Inc

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OSBC : NASDAQ : Financial
$10.2 -0.05 | -0.49%
Today's Range: 10.15 - 10.4
Avg. Daily Volume: 85300.0
01/18/17 - 11:32 AM ET

Financial Analysis


OLD SECOND BANCORP INC/IL's gross profit margin for the third quarter of its fiscal year 2016 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has increased by 11.70% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)24.4222.72
EBITDA ($mil)10.6612.03
EBIT ($mil)10.0811.43
Net Income ($mil)3.53.92


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)189.9553.77
Total Assets ($mil)2112.752049.59
Total Debt ($mil)149.69165.95
Equity ($mil)171.63153.64


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin89.8599.26
EBITDA Margin43.6652.93
Operating Margin41.2750.29
Sales Turnover0.050.05
Return on Assets0.680.7
Return on Equity8.447.54
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.470.52
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)29.5629.48
Div / share0.010.0
EPS0.120.12
Book value / share5.815.21
Institutional Own % n/a n/a
Avg Daily Volume85399.064640.0

Valuation


HOLD. This stock's P/E ratio indicates a premium compared to an average of 17.70 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.49. Conducting a second comparison, its price-to-book ratio of 1.75 indicates a discount versus the S&P 500 average of 2.84 and a premium versus the industry average of 1.22. The current price-to-sales ratio is well above the S&P 500 average and above the industry average, indicating a premium. Upon assessment of 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 20.71 Peers 17.70   OSBC 13.02 Peers 12.28

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

OSBC is trading at a premium 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 15.38 Peers 14.86   OSBC 1.91 Peers 2.66

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 significant 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 1.75 Peers 1.22   OSBC 25.64 Peers -39.58

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 3.07 Peers 2.95   OSBC 1.16 Peers 5.47

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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