Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Statistics

Total Valuation

OSBC has a market cap or net worth of $746.58 million. The enterprise value is $614.73 million.

Market Cap	746.58M
Enterprise Value	614.73M

Important Dates

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

Earnings Date	Jul 16, 2025
Ex-Dividend Date	Apr 25, 2025

Share Statistics

OSBC has 45.06 million shares outstanding. The number of shares has increased by 0.53% in one year.

Current Share Class	45.06M
Shares Outstanding	45.06M
Shares Change (YoY)	+0.53%
Shares Change (QoQ)	+0.11%
Owned by Insiders (%)	3.80%
Owned by Institutions (%)	73.48%
Float	43.34M

Valuation Ratios

The trailing PE ratio is 9.15 and the forward PE ratio is 8.84.

PE Ratio	9.15
Forward PE	8.84
PS Ratio	2.73
Forward PS	2.22
PB Ratio	1.09
P/TBV Ratio	1.29
P/FCF Ratio	8.06
P/OCF Ratio	7.35
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.34
EV / Sales	2.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.62

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.36
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.98%.

Return on Equity (ROE)	12.98%
Return on Assets (ROA)	1.48%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$314,390
Profits Per Employee	$95,532
Employee Count	877
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OSBC has paid $26.83 million in taxes.

Income Tax	26.83M
Effective Tax Rate	24.26%

Stock Price Statistics

The stock price has increased by +18.53% in the last 52 weeks. The beta is 0.78, so OSBC's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	+18.53%
50-Day Moving Average	16.13
200-Day Moving Average	17.06
Relative Strength Index (RSI)	51.03
Average Volume (20 Days)	214,555

Short Selling Information

The latest short interest is 808,745, so 1.79% of the outstanding shares have been sold short.

Short Interest	808,745
Short Previous Month	493,989
Short % of Shares Out	1.79%
Short % of Float	1.87%
Short Ratio (days to cover)	3.58

Income Statement

In the last 12 months, OSBC had revenue of $275.72 million and earned $83.78 million in profits. Earnings per share was $1.83.

Revenue	275.72M
Gross Profit	275.72M
Operating Income	119.16M
Pretax Income	115.16M
Net Income	83.78M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.83

Balance Sheet

The company has $260.59 million in cash and $126.04 million in debt, giving a net cash position of $134.55 million or $2.99 per share.

Cash & Cash Equivalents	260.59M
Total Debt	126.04M
Net Cash	134.55M
Net Cash Per Share	$2.99
Equity (Book Value)	694.49M
Book Value Per Share	15.42
Working Capital	-4.60B

Cash Flow

In the last 12 months, operating cash flow was $101.98 million and capital expenditures -$9.07 million, giving a free cash flow of $92.92 million.

Operating Cash Flow	101.98M
Capital Expenditures	-9.07M
Free Cash Flow	92.92M
FCF Per Share	$2.06

Margins

Gross Margin	n/a
Operating Margin	43.22%
Pretax Margin	40.12%
Profit Margin	30.39%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	33.70%

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.44%.

Dividend Per Share	$0.24
Dividend Yield	1.44%
Dividend Growth (YoY)	15.00%
Years of Dividend Growth	1
Payout Ratio	13.11%
Buyback Yield	-0.53%
Shareholder Yield	0.91%
Earnings Yield	11.18%
FCF Yield	12.40%

Analyst Forecast

The average price target for OSBC is $20.00, which is 20.70% higher than the current price. The consensus rating is "Buy".

Price Target	$20.00
Price Target Difference	20.70%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	4