Old Second Bancorp Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Oct '25 Oct 24, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	810	770	624	669	318	242	Upgrade
Market Cap Growth	32.28%	23.37%	-6.67%	110.50%	31.12%	-32.47%	Upgrade
Last Close Price	15.10	13.95	-	-	-	-	Upgrade
PE Ratio	13.46	9.35	7.52	10.61	18.03	10.66	Upgrade
PS Ratio	3.29	2.93	2.56	2.95	2.75	2.50	Upgrade
PB Ratio	1.10	1.19	1.20	1.55	0.72	0.97	Upgrade
P/FCF Ratio	-	6.61	6.63	7.69	12.46	13.44	Upgrade
P/OCF Ratio	-	6.06	5.93	7.35	11.64	11.41	Upgrade
Debt / Equity Ratio	0.19	0.22	0.91	0.59	0.41	0.57	Upgrade
Debt / FCF Ratio	1.25	1.20	5.05	2.94	7.09	7.87	Upgrade
Return on Equity (ROE)	12.51%	13.66%	17.67%	14.00%	4.96%	9.51%	Upgrade
Return on Assets (ROA)	1.47%	1.50%	1.58%	1.11%	0.43%	0.98%	Upgrade
Earnings Yield	7.43%	10.69%	13.29%	9.43%	5.55%	9.38%	Upgrade
FCF Yield	-	15.14%	15.07%	13.01%	8.03%	7.44%	Upgrade
Dividend Yield	1.46%	1.45%	-	-	-	-	Upgrade
Payout Ratio	17.58%	11.04%	9.75%	13.17%	23.01%	4.26%	Upgrade
Buyback Yield / Dilution	-0.48%	-0.54%	-0.40%	-47.09%	-1.87%	0.80%	Upgrade
Total Shareholder Return	0.98%	0.92%	-0.40%	-47.09%	-1.87%	0.80%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.