OSBC
Old Second Bancorp·NASDAQ
--
--(--)
--
--(--)
3.13 / 10
Netural
OSBC's fundamental quality is rated neutral with a score of 3.13/10. Key weaknesses include a -21.8% YoY profit decline and a low Net profit / Total profit ratio of 100%, which place it in less favorable performance groups. However, the company benefits from a strong 36.7% gross profit margin and positive net asset growth of 10.05% year-over-year. These mixed factors result in a guarded outlook, as historical back-tests show modest one-month returns (2.05% to 7.51%) depending on the metric, indicating limited upside without material fundamental improvement.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value10.05
Score2/3
Weight7.84%
1M Return3.75%
Value10.05
Score2/3
Weight7.84%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.23%
1M Return3.05%
Value100.00
Score1/3
Weight6.23%
1M Return3.05%
Profit-MV
Value1.36
Score0/3
Weight10.15%
1M Return4.15%
Value1.36
Score0/3
Weight10.15%
1M Return4.15%
PB-ROE
Value-0.92
Score0/3
Weight7.96%
1M Return3.61%
Value-0.92
Score0/3
Weight7.96%
1M Return3.61%
Asset-MV
Value-0.50
Score2/3
Weight16.64%
1M Return7.51%
Value-0.50
Score2/3
Weight16.64%
1M Return7.51%
Revenue-MV
Value0.16
Score3/3
Weight16.39%
1M Return7.25%
Value0.16
Score3/3
Weight16.39%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Total profit (YoY growth rate %)
Value-21.81
Score0/3
Weight3.83%
1M Return2.05%
Value-21.81
Score0/3
Weight3.83%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight16.72%
1M Return7.61%
Value0.14
Score3/3
Weight16.72%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value10.05
Score2/3
Weight7.84%
1M Return3.75%
Value10.05
Score2/3
Weight7.84%
1M Return3.75%
Revenue-MV
Value0.16
Score3/3
Weight16.39%
1M Return7.25%
Value0.16
Score3/3
Weight16.39%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.23%
1M Return3.05%
Value100.00
Score1/3
Weight6.23%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Value36.70
Score3/3
Weight7.11%
1M Return3.43%
Profit-MV
Value1.36
Score0/3
Weight10.15%
1M Return4.15%
Value1.36
Score0/3
Weight10.15%
1M Return4.15%
Total profit (YoY growth rate %)
Value-21.81
Score0/3
Weight3.83%
1M Return2.05%
Value-21.81
Score0/3
Weight3.83%
1M Return2.05%
PB-ROE
Value-0.92
Score0/3
Weight7.96%
1M Return3.61%
Value-0.92
Score0/3
Weight7.96%
1M Return3.61%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Value100.00
Score3/3
Weight7.11%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight16.64%
1M Return7.51%
Value-0.50
Score2/3
Weight16.64%
1M Return7.51%
Cash-MV
Value0.14
Score3/3
Weight16.72%
1M Return7.61%
Value0.14
Score3/3
Weight16.72%
1M Return7.61%
Is OSBC undervalued or overvalued?
- OSBC scores 3.13/10 on fundamentals and holds a Fair valuation at present. Backed by its 6.70% ROE, 22.26% net margin, 15.69 P/E ratio, 1.28 P/B ratio, and -20.21% earnings growth, these metrics solidify its Netural investment rating.
