OSBC PE Ratio & Valuation, Is OSBC Overvalued

Historical Valuation

Old Second Bancorp, Inc (OSBC) is now in the Fair zone, suggesting that its current forward PE ratio of 8.60 is considered Fairly compared with the five-year average of 8.75. The fair price of Old Second Bancorp, Inc (OSBC) is between 19.80 to 26.80 according to relative valuation method.

Relative Value

Fair Zone

19.80-26.80

Current Price：21.49

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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Old Second Bancorp, Inc (OSBC) has a current Price-to-Book (P/B) ratio of 1.21. Compared to its 3-year average P/B ratio of 1.16, the current P/B ratio is approximately 4.77% higher. Relative to its 5-year average P/B ratio of 1.23, the current P/B ratio is about -0.99% higher. Old Second Bancorp, Inc (OSBC) has a Forward Free Cash Flow (FCF) yield of approximately 12.85%. Compared to its 3-year average FCF yield of 13.75%, the current FCF yield is approximately -6.50% lower. Relative to its 5-year average FCF yield of 11.66%, the current FCF yield is about 10.25% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for OSBC competitors is 2.87, providing a benchmark for relative valuation. Old Second Bancorp, Inc Corp (OSBC.O) exhibits a P/S ratio of 3.22, which is 12.35% above the industry average. Given its robust revenue growth of 27.48%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of OSBC increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of OSBC in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is OSBC currently overvalued or undervalued?

What is Old Second Bancorp, Inc (OSBC) fair value?

OSBC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Old Second Bancorp, Inc (OSBC) is between 19.80 to 26.80 according to relative valuation method.

How does OSBC's valuation metrics compare to the industry average?

The average P/S ratio for OSBC's competitors is 2.87, providing a benchmark for relative valuation. Old Second Bancorp, Inc Corp (OSBC) exhibits a P/S ratio of 3.22, which is 12.35% above the industry average. Given its robust revenue growth of 27.48%, this premium appears sustainable.

What is the current P/B ratio for Old Second Bancorp, Inc (OSBC) as of May 28 2026?

As of May 28 2026, Old Second Bancorp, Inc (OSBC) has a P/B ratio of 1.21. This indicates that the market values OSBC at 1.21 times its book value.

What is the current FCF Yield for Old Second Bancorp, Inc (OSBC) as of May 28 2026?

As of May 28 2026, Old Second Bancorp, Inc (OSBC) has a FCF Yield of 12.85%. This means that for every dollar of Old Second Bancorp, Inc's market capitalization, the company generates 12.85 cents in free cash flow.

What is the current Forward P/E ratio for Old Second Bancorp, Inc (OSBC) as of May 28 2026?

As of May 28 2026, Old Second Bancorp, Inc (OSBC) has a Forward P/E ratio of 8.60. This means the market is willing to pay $8.60 for every dollar of Old Second Bancorp, Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Old Second Bancorp, Inc (OSBC) as of May 28 2026?

As of May 28 2026, Old Second Bancorp, Inc (OSBC) has a Forward P/S ratio of 3.22. This means the market is valuing OSBC at $3.22 for every dollar of expected revenue over the next 12 months.

OSBC Valuation