Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Statistics

Total Valuation

OSBC has a market cap or net worth of $749.58 million. The enterprise value is $789.76 million.

Market Cap	749.58M
Enterprise Value	789.76M

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

Current Share Class	45.05M
Shares Outstanding	45.05M
Shares Change (YoY)	+0.54%
Shares Change (QoQ)	-0.02%
Owned by Insiders (%)	3.78%
Owned by Institutions (%)	71.89%
Float	43.34M

Valuation Ratios

The trailing PE ratio is 8.93 and the forward PE ratio is 9.00.

PE Ratio	8.93
Forward PE	9.00
PS Ratio	2.75
Forward PS	2.36
PB Ratio	1.12
P/TBV Ratio	1.35
P/FCF Ratio	6.21
P/OCF Ratio	5.70
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.26
EV / Sales	2.91
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.54

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.20
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	$309,919
Profits Per Employee	$97,222
Employee Count	877
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 +20.48% in the last 52 weeks. The beta is 1.05, so OSBC's price volatility has been similar to the market average.

Beta (5Y)	1.05
52-Week Price Change	+20.48%
50-Day Moving Average	17.94
200-Day Moving Average	16.93
Relative Strength Index (RSI)	38.06
Average Volume (20 Days)	210,630

Short Selling Information

The latest short interest is 501,410, so 1.11% of the outstanding shares have been sold short.

Short Interest	501,410
Short Previous Month	404,706
Short % of Shares Out	1.11%
Short % of Float	1.16%
Short Ratio (days to cover)	2.26

Income Statement

In the last 12 months, OSBC had revenue of $271.80 million and earned $85.26 million in profits. Earnings per share was $1.87.

Revenue	271.80M
Gross Profit	271.80M
Operating Income	119.25M
Pretax Income	115.16M
Net Income	85.26M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.87

Balance Sheet

The company has $104.91 million in cash and $145.09 million in debt, giving a net cash position of -$40.18 million or -$0.89 per share.

Cash & Cash Equivalents	104.91M
Total Debt	145.09M
Net Cash	-40.18M
Net Cash Per Share	-$0.89
Equity (Book Value)	671.03M
Book Value Per Share	14.95
Working Capital	-4.67B

Cash Flow

In the last 12 months, operating cash flow was $131.53 million and capital expenditures -$10.79 million, giving a free cash flow of $120.75 million.

Operating Cash Flow	131.53M
Capital Expenditures	-10.79M
Free Cash Flow	120.75M
FCF Per Share	$2.68

Margins

Gross Margin	n/a
Operating Margin	43.88%
Pretax Margin	41.56%
Profit Margin	31.37%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	44.42%

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)	10.00%
Years of Dividend Growth	1
Payout Ratio	12.83%
Buyback Yield	-0.54%
Shareholder Yield	0.90%
Earnings Yield	11.37%
FCF Yield	16.11%

Analyst Forecast

The average price target for OSBC is $20.80, which is 25.00% higher than the current price. The consensus rating is "Buy".

Price Target	$20.80
Price Target Difference	25.00%
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