Old Second Bancorp, Inc. (OSBC) is a Banks - Regional company in the Financial Services sector, currently trading at $21.61. It has a SharesGrow Score of 69/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of OSBC = $42.20 (+95.3% from the current price, the stock appears undervalued). Analyst consensus target is OSBC = $23 (+6.4% upside).
Valuation: OSBC trades at a trailing Price-to-Earnings (P/E) of 14 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 2.64.
Financials: revenue is $397M, +16.2%/yr average growth. Net income is $80M, growing at +7.7%/yr. Net profit margin is 20.2% (strong). Gross margin is 78.1% (-15.3 pp trend).
Balance sheet: total debt is $339M against $897M equity (Debt-to-Equity (D/E) ratio 0.38, conservative). Current ratio is 0.1 (tight liquidity). Debt-to-assets is 4.9%. Total assets: $6.9B.
Analyst outlook: 5 / 6 analysts rate OSBC as buy (83%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 54/100 (Partial), Growth 73/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 55/100 (Partial), Future 82/100 (Pass), Income 85/100 (Pass).
