OLD SECOND BANCORP INC (OSBC)
State Commercial Banks · Financial Services · $1.1B
Intrinsic Value (Consensus)
$25.54
Current Price
$22.06
Margin of Safety
+15.8%
15.8% Below Intrinsic Value
Value: $26
Price: $22
Valuation Model Estimates
Current Price: $22.06
DCF (Discounted Cash Flow)
$28.90
Graham Number
$25.15
Earnings Power Value
$15.73
Relative Value (P/E)
$32.40
Dividend Discount Model
$0.84
Consensus Value
$25.54
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
55
Profitability
15/25
Strength
17/25
Valuation
19/25
Growth
4/25
Financial Health Signals
High free cash flow yield (10.3%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.62
- EPS (Forward)
- $1.65
- Book Value
- $17.36
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 9.0%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance