OSBC Valuation

Old Second Bancorp Inc

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17.590

+0.03(0.171%)1D

Overview
Forecast
Valuation
Earnings

OSBC Relative Valuation

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. If the market price exceeds this fair value range, OSBC is overvalued; if below, it's undervalued.

Historical Valuation

Old Second Bancorp Inc (OSBC) is now in the Fair zone, suggesting that its current forward PE ratio of 8.62 is considered Fairly compared with the five-year average of 9.05. The fair price of Old Second Bancorp Inc (OSBC) is between 16.50 to 22.78 according to relative valuation methord.

Relative Value

Fair Zone

16.50-22.78

Current Price：17.59

Fair

8.62

Trailing

Forward

0.00

EV/EBITDA

Old Second Bancorp Inc. (OSBC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Old Second Bancorp Inc. (OSBC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.89

Old Second Bancorp Inc. (OSBC) has a current PS of 2.89. The 5-year average PS is 2.88. The thresholds are as follows: Strongly Undervalued below 1.99, Undervalued between 1.99 and 2.44, Fairly Valued between 3.33 and 2.44, Overvalued between 3.33 and 3.77, and Strongly Overvalued above 3.77. The current Forward PS of 2.89 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Old Second Bancorp Inc. (OSBC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Old Second Bancorp Inc. (OSBC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Old Second Bancorp Inc (OSBC) has a current Price-to-Book (P/B) ratio of 1.10. Compared to its 3-year average P/B ratio of 1.23 , the current P/B ratio is approximately -10.82% higher. Relative to its 5-year average P/B ratio of 1.21, the current P/B ratio is about -8.85% higher. Old Second Bancorp Inc (OSBC) has a Forward Free Cash Flow (FCF) yield of approximately 11.69%. Compared to its 3-year average FCF yield of 13.88%, the current FCF yield is approximately -15.77% lower. Relative to its 5-year average FCF yield of 11.31% , the current FCF yield is about 3.36% lower.

1.10

P/B

Median3y

1.23

Median5y

1.21

11.69

FCF Yield

Median3y

13.88

Median5y

11.31

Competitors Valuation Multiple

The average P/S ratio for OSBC's competitors is 3.07, providing a benchmark for relative valuation. Old Second Bancorp Inc Corp (OSBC) exhibits a P/S ratio of 2.89, which is -5.68% above the industry average. Given its robust revenue growth of 8.20%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

OSBC.O

Old Second Bancorp Inc

Firstsun Capital Bancorp

Esquire Financial Holdings Inc

Performance Decomposition

Market capitalization of OSBC increased by 3.66% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 66.48M to 71.93M.

The secondary factor is the P/E Change, contributed 3.33%to the performance.

Overall, the performance of OSBC in the past 1 year is driven by Revenue Growth. Which is more sustainable.

8.20%

66.48M → 71.93M

Revenue Growth

-7.87%

32.93 → 30.34

Margin Expansion

3.33%

9.29 → 9.60

P/E Change

3.66%