Old Second Bancorp (OSBC) Fundamental Analysis: Revenue, Earnings & Valuation

3.93 / 10

Netural

Fundamental analysis yields a 3.93/10 score, indicating neutral quality. Profit‑MV and gross margin are strengths, while PB‑ROE and Asset‑MV lag, dragging the rating. Liability ratios are low, cash metrics are modest, resulting in constrained overall fundamentals.

Analysis Checks(7/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight6.92%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight6.92%

1M Return3.70%

Profit-MV

Value1.30

Score3/3

Weight16.33%

1M Return7.25%

Net income-Revenue

Value0.67

Score1/3

Weight11.49%

1M Return5.19%

PB-ROE

Value-0.94

Score1/3

Weight8.92%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight6.92%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.92%

1M Return3.70%

Cash-UP

Value-0.08

Score2/3

Weight8.34%

1M Return4.32%

Asset-MV

Value-0.55

Score1/3

Weight14.01%

1M Return6.12%

Cash-MV

Value0.39

Score2/3

Weight13.22%

1M Return6.14%

Is OSBC fundamentally strong?

OSBC scores 3.93/10 on fundamentals and holds a Fair valuation at present. Backed by its 10.24% ROE, 23.67% net margin, 13.42 P/E ratio, 1.20 P/B ratio, and -13.68% earnings growth, these metrics solidify its Netural investment rating.