Old Second Bancorp Statistics

Total Valuation

OSBC has a market cap or net worth of $822.16 million. The enterprise value is $864.73 million.

Market Cap	822.16M
Enterprise Value	864.73M

Important Dates

The next estimated earnings date is Wednesday, April 16, 2025, after market close.

Earnings Date	Apr 16, 2025
Ex-Dividend Date	Jan 31, 2025

Share Statistics

OSBC has 44.85 million shares outstanding. The number of shares has increased by 0.54% in one year.

Current Share Class	44.85M
Shares Outstanding	44.85M
Shares Change (YoY)	+0.54%
Shares Change (QoQ)	-0.02%
Owned by Insiders (%)	3.56%
Owned by Institutions (%)	72.11%
Float	43.26M

Valuation Ratios

The trailing PE ratio is 9.80 and the forward PE ratio is 9.97.

PE Ratio	9.80
Forward PE	9.97
PS Ratio	3.01
Forward PS	2.81
PB Ratio	1.23
P/TBV Ratio	1.48
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	10.14
EV / Sales	3.17
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.66%.

Return on Equity (ROE)	13.66%
Return on Assets (ROA)	1.50%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$326,983
Profits Per Employee	$102,235
Employee Count	834
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OSBC has paid $27.69 million in taxes.

Income Tax	27.69M
Effective Tax Rate	24.52%

Stock Price Statistics

The stock price has increased by +35.38% in the last 52 weeks. The beta is 1.07, so OSBC's price volatility has been similar to the market average.

Beta (5Y)	1.07
52-Week Price Change	+35.38%
50-Day Moving Average	18.35
200-Day Moving Average	16.56
Relative Strength Index (RSI)	43.67
Average Volume (20 Days)	210,531

Short Selling Information

The latest short interest is 304,809, so 0.68% of the outstanding shares have been sold short.

Short Interest	304,809
Short Previous Month	515,700
Short % of Shares Out	0.68%
Short % of Float	0.70%
Short Ratio (days to cover)	1.13

Income Statement

In the last 12 months, OSBC had revenue of $272.70 million and earned $85.26 million in profits. Earnings per share was $1.87.

Revenue	272.70M
Gross Profit	272.70M
Operating Income	120.16M
Pretax Income	115.16M
Net Income	85.26M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.87

Full Income Statement

Balance Sheet

The company has $99.33 million in cash and $141.90 million in debt, giving a net cash position of -$42.57 million or -$0.95 per share.

Cash & Cash Equivalents	99.33M
Total Debt	141.90M
Net Cash	-42.57M
Net Cash Per Share	-$0.95
Equity (Book Value)	671.03M
Book Value Per Share	14.95
Working Capital	-4.70B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	44.06%
Pretax Margin	41.42%
Profit Margin	31.27%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.31%.

Dividend Per Share	$0.24
Dividend Yield	1.31%
Dividend Growth (YoY)	10.00%
Years of Dividend Growth	1
Payout Ratio	12.83%
Buyback Yield	-0.54%
Shareholder Yield	0.77%
Earnings Yield	10.37%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for OSBC is $19.75, which is 7.75% higher than the current price. The consensus rating is "Buy".

Price Target	$19.75
Price Target Difference	7.75%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on July 29, 2004. It was a forward split with a ratio of 2:1.

Last Split Date	Jul 29, 2004
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2