Profitability
Weight: 25%
B
75
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 59.6%
- Efficiency Ratio Trend -1.74 pp/yr
OSBC
Old Second Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D+
43
- 5yr Avg ROE 11.2%
- 5yr Share-Count CAGR 12.1%
Growth Quality
Weight: 15%
A+
99
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 23.3%
- Efficiency Ratio Trend (growth quality check) -1.74 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
22
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.09
Balance Sheet
Weight: 20%
A
89
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.0%
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.50
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.