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 1.16, the current P/B ratio is approximately 2.18% higher. Relative to its 5-year average P/B ratio of 1.23, the current P/B ratio is about -3.75% 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 14.61%, the current FCF yield is approximately -35.78% lower. Relative to its 5-year average FCF yield of 11.44%, the current FCF yield is about -17.97% lower.

Competitors Valuation Multiple

AI Analysis

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 22.49%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of OSBC increased by 0.00% over the past 1 year(s). 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(s) is driven by Unknown.

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Frequently Asked Questions

Is OSBC currently overvalued or undervalued?

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 17.21 to 23.80 according to relative valuation method.

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 22.49%, this premium appears sustainable.

What is the current P/B ratio for Old Second Bancorp Inc (OSBC) as of Mar 02 2026?

As of Mar 02 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 Mar 02 2026?

As of Mar 02 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 Mar 02 2026?

As of Mar 02 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 Mar 02 2026?

As of Mar 02 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.

OSBC Valuation