Old Second Bancorp, Inc. (OSBC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Inter & Co., Inc.

City Holding Co.

Nicolet Bankshares, Inc.

OFG Bancorp

Stellar Bancorp, Inc.

Old Second Bancorp, Inc.

FB Financial Corp.

Pathward Financial, Inc.

QCR Holdings, Inc.

The First Bancshares, Inc. (Mississippi)

Hope Bancorp, Inc.

Why is Old Second Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 21.05%

Strong Long Term Fundamental Strength with a 23.61% CAGR growth in Net Profits

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%

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 141.36 MM
NET SALES(HY) At USD 200.65 MM has Grown at 34.8%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.69%, 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 31.16%, its profits have fallen by -5.8%

High Institutional Holdings at 77.47%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 5.05% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Old Second Bancorp, Inc.

31.16%

2.10

27.65%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

27.79%

EBIT Growth (5y)

15.22%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

15.46%

Pledged Shares

Institutional Holding

77.47%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.29

EV to EBIT

13.51

EV to EBITDA

12.19

EV to Capital Employed

1.24

EV to Sales

3.74

PEG Ratio

Dividend Yield

0.35%

ROCE (Latest)

9.17%

ROE (Latest)

8.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

10What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 141.36 MM

NET SALES(HY)

At USD 200.65 MM has Grown at 34.8%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 93.18%

-4What is not working for the Company

INTEREST(9M)

At USD 57.75 MM has Grown at 44.93%

GROSS NPA (%)

Here's what is working for Old Second Bancorp, Inc.

Net Sales

At USD 200.65 MM has Grown at 34.8%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Cash Flow

Highest at USD 141.36 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 93.18%

in the last four Semi-Annual periods

MOJO 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 1.46%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Interest

At USD 57.75 MM has Grown at 44.93%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)