Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 16, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	1,117	1,027	798	690	715	560
Market Cap Growth	49.00%	28.73%	15.61%	-3.49%	27.75%	88.97%
Enterprise Value	1,329	1,127	883.09	775.29	853.76	708.3
Last Close Price	21.57	19.50	17.78	15.44	16.04	12.59
PE Ratio	13.31	12.04	9.51	7.64	10.77	19.37
Forward PE	9.82	9.13	9.59	7.63	8.22	12.69
PEG Ratio	-	13.82	13.82	13.82	13.82	13.82
PS Ratio	3.59	3.29	2.93	2.56	2.95	4.24
PB Ratio	1.27	1.15	1.19	1.20	1.55	1.12
P/TBV Ratio	1.19	1.08	1.21	1.21	1.57	0.77
P/FCF Ratio	9.48	8.72	6.61	6.63	7.69	19.29
P/OCF Ratio	9.14	8.40	6.07	5.93	7.35	18.03
EV/Sales Ratio	4.27	3.62	3.24	2.88	3.52	5.36
EV/EBITDA Ratio	-	183.37	157.95	172.86	209.00	224.72
EV/FCF Ratio	11.28	9.57	7.31	7.45	9.18	24.41
Debt / Equity Ratio	0.11	0.11	0.13	0.15	0.30	0.30
Debt / EBITDA Ratio	16.29	16.29	15.25	18.99	33.94	47.13
Debt / FCF Ratio	0.85	0.85	0.71	0.82	1.49	5.12
Net Debt / Equity Ratio	0.11	0.11	0.13	0.15	0.30	0.30
Net Debt / EBITDA Ratio	16.29	16.29	15.25	18.99	33.94	47.13
Net Debt / FCF Ratio	0.85	0.85	0.71	0.82	1.49	5.12
Asset Turnover	0.05	0.05	0.05	0.05	0.04	0.03
Return on Equity (ROE)	10.24%	10.24%	13.66%	17.67%	14.00%	4.95%
Earnings Yield	7.19%	8.31%	10.52%	13.08%	9.29%	5.16%
FCF Yield	10.54%	11.47%	15.13%	15.07%	13.01%	5.18%
Dividend Yield	1.30%	1.28%	1.18%	1.30%	1.24%	1.21%
Payout Ratio	16.05%	15.24%	11.04%	9.75%	13.17%	23.01%
Buyback Yield / Dilution	-8.83%	-8.83%	-0.54%	-0.40%	-47.09%	-1.87%
Total Shareholder Return	-7.53%	-7.55%	0.64%	0.89%	-45.85%	-0.66%

Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q