Old Second Bancorp, Inc. cash flow to debt ratio of 36.07% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Old Second Bancorp, Inc.'s free cash flow has decreased 2.47% from $120.75M last year to $117.76M, signaling decreasing performance

Old Second Bancorp, Inc.'s debt to equity ratio is 0.52, which means that the company's assets are healthy financed, signaling financial stability.

Old Second Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.21 last year to 0.52 today, signaling weakened financials

Old Second Bancorp, Inc. has a net debt to EBITDA ratio of 1.18x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Old Second Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Old Second Bancorp, Inc.'s profit margin has decreased (15.24%) in the last year from 25.36% to 21.50%, signaling decreasing performance

Old Second Bancorp, Inc.'s short-term liabilities of $1.98B exceed its short-term assets of $196.38M, signaling financial risk

Old Second Bancorp, Inc.'s return on assets of 1.35% is lower than the 5.00% threshold, indicating inefficient asset utilization

Old Second Bancorp, Inc.'s return on equity of 10.39%, is lower than 15.00%, indicating bad performance

Old Second Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Old Second Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Old Second Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Old Second Bancorp, Inc. has a free cash flow yield of 9.06%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Old Second Bancorp, Inc.'s yearly earnings has decreased 5.81% since last year from $85.26M to $80.31M, signaling decreasing performance

Old Second Bancorp, Inc.'s yearly revenue has increased 5.66% since last year from $336.17M to $355.18M, signaling increasing performance

ROIC 1.38% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Old Second Bancorp, Inc.'s 3-year revenue CAGR of 15.86% is positive, indicating growing revenue over the past 3 years

Old Second Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Old Second Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Old Second Bancorp, Inc. is undervalued relative to its fair value price of 35.60 based on Discounted Cash Flow model

Old Second Bancorp, Inc. has an earnings yield of 7.13%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Old Second Bancorp, Inc. is overvalued relative to its fair value price of 11.98 based on EBITDA multiple model

Old Second Bancorp, Inc. has an EV/EBITDA ratio of 11.94x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Old Second Bancorp, Inc. is undervalued relative to its fair value price of 45.05 based on Earnings Fair Value model

Old Second Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Old Second Bancorp, Inc. has a price-to-book ratio of 1.44x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Old Second Bancorp, Inc. has a price-to-sales ratio of 3.01x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue