ScoreWhy is Old Second Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 20.99%
2
Strong Long Term Fundamental Strength with a 23.61% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 23.61%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 83.05 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CREDIT DEPOSIT RATIO(HY) Highest at 93.85%
5
With ROA of 0.90%, it has a fair valuation with a 1.29 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 15.98%, its profits have fallen by -5.8%
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.68% over the previous quarter and currently hold 2.01% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Old Second Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Old Second Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Old Second Bancorp, Inc.
15.98%
1.39
29.09%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
27.79%
EBIT Growth (5y)
15.41%
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
15.43%
Pledged Shares
0
Institutional Holding
72.42%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.29
EV to EBIT
13.35
EV to EBITDA
12.25
EV to Capital Employed
1.24
EV to Sales
3.76
PEG Ratio
NA
Dividend Yield
0.35%
ROCE (Latest)
9.29%
ROE (Latest)
8.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 83.05 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 93.85%
NET SALES(Q)
At USD 102.3 MM has Grown at 24.7%
OPERATING PROFIT(Q)
Highest at USD 39.26 MM
PRE-TAX PROFIT(Q)
Highest at USD 39.27 MM
NET PROFIT(Q)
Highest at USD 28.79 MM
EPS(Q)
Highest at USD 0.54
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 78.02 MM
GROSS NPA (%)
(Q
Here's what is working for Old Second Bancorp, Inc.
NII
Highest at USD 83.05 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
At USD 102.3 MM has Grown at 24.7%
over average net sales of the previous four periods of USD 82.04 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 39.26 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 39.27 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 39.27 MM has Grown at 67.37%
over average net sales of the previous four periods of USD 23.46 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 28.79 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 28.79 MM has Grown at 63.02%
over average net sales of the previous four periods of USD 17.66 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.54
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 93.85%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Old Second Bancorp, Inc.
Non Performing Loans (%)
Highest at 1.01%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 78.02 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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