Historical Valuation
Old Second Bancorp Inc (OSBC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.12 is considered Fairly compared with the five-year average of 8.96. The fair price of Old Second Bancorp Inc (OSBC) is between 17.45 to 24.07 according to relative valuation methord.
Relative Value
Fair Zone
17.45-24.07
Current Price：19.78
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Old Second Bancorp Inc (OSBC) has a current Price-to-Book (P/B) ratio of 1.18. Compared to its 3-year average P/B ratio of 1.18 , the current P/B ratio is approximately 0.35% higher. Relative to its 5-year average P/B ratio of 1.22, the current P/B ratio is about -3.36% higher. Old Second Bancorp Inc (OSBC) has a Forward Free Cash Flow (FCF) yield of approximately 9.38%. Compared to its 3-year average FCF yield of 14.51%, the current FCF yield is approximately -35.36% lower. Relative to its 5-year average FCF yield of 11.31% , the current FCF yield is about -17.06% lower.
P/B
Median3y
1.18
Median5y
1.22
FCF Yield
Median3y
14.51
Median5y
11.31
Competitors Valuation Multiple
AI Analysis for OSBC
The average P/S ratio for OSBC competitors is 3.03, providing a benchmark for relative valuation. Old Second Bancorp Inc Corp (OSBC.O) exhibits a P/S ratio of 3.12, which is 2.81% above the industry average. Given its robust revenue growth of 31.35%, this premium appears sustainable.
Performance Decomposition
AI Analysis for OSBC
1Y
3Y
5Y
Market capitalization of OSBC increased by 0.00% over the past 1 year. 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 is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is OSBC currently overvalued or undervalued?
Old Second Bancorp Inc (OSBC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.12 is considered Fairly compared with the five-year average of 8.96. The fair price of Old Second Bancorp Inc (OSBC) is between 17.45 to 24.07 according to relative valuation methord.
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 17.45 to 24.07 according to relative valuation methord.
How does OSBC's valuation metrics compare to the industry average?
The average P/S ratio for OSBC's competitors is 3.03, providing a benchmark for relative valuation. Old Second Bancorp Inc Corp (OSBC) exhibits a P/S ratio of 3.12, which is 2.81% above the industry average. Given its robust revenue growth of 31.35%, this premium appears sustainable.
What is the current P/B ratio for Old Second Bancorp Inc (OSBC) as of Jan 11 2026?
As of Jan 11 2026, Old Second Bancorp Inc (OSBC) has a P/B ratio of 1.18. This indicates that the market values OSBC at 1.18 times its book value.
What is the current FCF Yield for Old Second Bancorp Inc (OSBC) as of Jan 11 2026?
As of Jan 11 2026, Old Second Bancorp Inc (OSBC) has a FCF Yield of 9.38%. This means that for every dollar of Old Second Bancorp Inc’s market capitalization, the company generates 9.38 cents in free cash flow.
What is the current Forward P/E ratio for Old Second Bancorp Inc (OSBC) as of Jan 11 2026?
As of Jan 11 2026, Old Second Bancorp Inc (OSBC) has a Forward P/E ratio of 9.12. This means the market is willing to pay $9.12 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 Jan 11 2026?
As of Jan 11 2026, Old Second Bancorp Inc (OSBC) has a Forward P/S ratio of 3.12. This means the market is valuing OSBC at $3.12 for every dollar of expected revenue over the next 12 months.