Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $975.43 million. The enterprise value is $1.15 billion.
Important Dates
The last earnings date was Wednesday, October 22, 2025, after market close.
| Earnings Date | Oct 22, 2025 |
| Ex-Dividend Date | Oct 31, 2025 |
Share Statistics
OSBC has 52.67 million shares outstanding. The number of shares has increased by 4.68% in one year.
| Current Share Class | 52.67M |
| Shares Outstanding | 52.67M |
| Shares Change (YoY) | +4.68% |
| Shares Change (QoQ) | +16.73% |
| Owned by Insiders (%) | 3.84% |
| Owned by Institutions (%) | 69.01% |
| Float | 50.65M |
Valuation Ratios
The trailing PE ratio is 12.54 and the forward PE ratio is 8.67.
| PE Ratio | 12.54 |
| Forward PE | 8.67 |
| PS Ratio | 3.01 |
| Forward PS | 2.53 |
| PB Ratio | 1.13 |
| P/TBV Ratio | 1.37 |
| P/FCF Ratio | 10.13 |
| P/OCF Ratio | 9.56 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 16.22 |
| EV / Sales | 3.97 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.90 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.02 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.24%.
| Return on Equity (ROE) | 9.24% |
| Return on Assets (ROA) | 1.12% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $329,341 |
| Profits Per Employee | $80,539 |
| Employee Count | 877 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OSBC has paid $23.22 million in taxes.
| Income Tax | 23.22M |
| Effective Tax Rate | 24.74% |
Stock Price Statistics
The stock price has increased by +0.76% in the last 52 weeks. The beta is 0.83, so OSBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.83 |
| 52-Week Price Change | +0.76% |
| 50-Day Moving Average | 17.86 |
| 200-Day Moving Average | 17.39 |
| Relative Strength Index (RSI) | 57.19 |
| Average Volume (20 Days) | 343,757 |
Short Selling Information
The latest short interest is 1.14 million, so 2.17% of the outstanding shares have been sold short.
| Short Interest | 1.14M |
| Short Previous Month | 1.05M |
| Short % of Shares Out | 2.17% |
| Short % of Float | 2.26% |
| Short Ratio (days to cover) | 2.89 |
Income Statement
In the last 12 months, OSBC had revenue of $288.83 million and earned $70.63 million in profits. Earnings per share was $1.48.
| Revenue | 288.83M |
| Gross Profit | 288.83M |
| Operating Income | 104.26M |
| Pretax Income | 93.85M |
| Net Income | 70.63M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.48 |
Full Income StatementBalance Sheet
The company has $120.88 million in cash and $290.80 million in debt, giving a net cash position of -$169.92 million or -$3.23 per share.
| Cash & Cash Equivalents | 120.88M |
| Total Debt | 290.80M |
| Net Cash | -169.92M |
| Net Cash Per Share | -$3.23 |
| Equity (Book Value) | 866.69M |
| Book Value Per Share | 16.46 |
| Working Capital | -5.79B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $102.02 million and capital expenditures -$5.77 million, giving a free cash flow of $96.25 million.
| Operating Cash Flow | 102.02M |
| Capital Expenditures | -5.77M |
| Free Cash Flow | 96.25M |
| FCF Per Share | $1.83 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 36.10% |
| Pretax Margin | 32.49% |
| Profit Margin | 24.45% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 33.32% |
Dividends & Yields
This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.51%.
| Dividend Per Share | $0.28 |
| Dividend Yield | 1.51% |
| Dividend Growth (YoY) | 19.05% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 16.92% |
| Buyback Yield | -4.68% |
| Shareholder Yield | -3.17% |
| Earnings Yield | 7.24% |
| FCF Yield | 9.87% |
Dividend DetailsAnalyst Forecast
The average price target for OSBC is $21.63, which is 16.79% higher than the current price. The consensus rating is "Buy".
| Price Target | $21.63 |
| Price Target Difference | 16.79% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 |
