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Old Second Bancorp, Inc.

  • Market Cap: Small Cap
  • Industry: Major Banks
  • ISIN: US6802771005
USD
19.63
0.7 (3.7%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Inter & Co., Inc.
Nicolet Bankshares, Inc.
City Holding Co.
OFG Bancorp
QCR Holdings, Inc.
FB Financial Corp.
Stellar Bancorp, Inc.
The First Bancshares, Inc. (Mississippi)
Hope Bancorp, Inc.
Pathward Financial, Inc.
Old Second Bancorp, Inc.
Why is Old Second Bancorp, Inc. ?
1
  • CREDIT DEPOSIT RATIO(HY) Lowest at 83.33%
2
Reducing Promoter Confidence
  • Promoters have decreased their stake in the company by -0.75% over the previous quarter and currently hold 2.97% of the company
  • Promoters decreasing their stake may signify reduced confidence in the future of the business
3
Underperformed the market in the last 1 year
  • The stock has generated a return of 0.53% in the last 1 year, much lower than market (S&P 500) returns of 12.33%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Old Second Bancorp, Inc. for you?

Low Risk, High Return

Absolute
Risk Adjusted
Volatility
Old Second Bancorp, Inc.
6.11%
1.33
27.90%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
22.17%
EBIT Growth (5y)
13.89%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
11.24%
Pledged Shares
0
Institutional Holding
80.22%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.24
EV to EBIT
6.69
EV to EBITDA
6.26
EV to Capital Employed
1.31
EV to Sales
2.35
PEG Ratio
NA
Dividend Yield
0.68%
ROCE (Latest)
19.59%
ROE (Latest)
12.06%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company
NII(Q)

Highest at USD 64.23 MM

CASH AND EQV(HY)

Highest at USD 116.18 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)

Lowest at 83.33%

Here's what is working for Old Second Bancorp, Inc.
NII
Highest at USD 64.23 MM and Grown
In each period in the last five periods
MOJO Watch
The bank's income from core business is increasing

Net NPA

Cash and Eqv
Highest at USD 116.18 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share
Highest at USD 0
in the last five years
MOJO Watch
Company is distributing higher dividend from profits generated

DPS (USD)

Depreciation
Highest at USD 2.46 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

CASA
Highest at 14.31%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Old Second Bancorp, Inc.
Credit Deposit Ratio
Lowest at 83.33%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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