Three independent discounted-cash-flow-style models value Old Second Bancorp Inc every trading day. 1 of 3 currently price OSBC above its market price.
| Free Cash Flow model | $-38.62 |
| Excess Profit model | $36.15 |
| Residual Earnings model | $7.32 |
| Dividend Discount model | $4.83 |
| Piotroski F-Score | 5 / 9 |
| Return on invested capital | +9.5% |
| Net debt / EBITDA | -1.2× |
| Gross margin | +100.0% |
| Revenue CAGR | +17.9% |
| Cash conversion | 1.5× |
| Dividend yield | +1.1% |
| Buyback yield | -9.0% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open OSBC in StockKitty