Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $915.59 million. The enterprise value is $903.63 million.
Important Dates
The next estimated earnings date is Wednesday, October 15, 2025, after market close.
| Earnings Date | Oct 15, 2025 |
| Ex-Dividend Date | Jul 25, 2025 |
Share Statistics
OSBC has 52.65 million shares outstanding. The number of shares has increased by 0.48% in one year.
| Current Share Class | 52.65M |
| Shares Outstanding | 52.65M |
| Shares Change (YoY) | +0.48% |
| Shares Change (QoQ) | +0.26% |
| Owned by Insiders (%) | 3.95% |
| Owned by Institutions (%) | 62.34% |
| Float | 50.57M |
Valuation Ratios
The trailing PE ratio is 9.50 and the forward PE ratio is 8.54.
| PE Ratio | 9.50 |
| Forward PE | 8.54 |
| PS Ratio | 2.77 |
| Forward PS | 2.47 |
| PB Ratio | 1.09 |
| P/TBV Ratio | 1.51 |
| P/FCF Ratio | 8.50 |
| P/OCF Ratio | 7.99 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.79 |
| EV / Sales | 3.20 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.39 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.25 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.51%.
| Return on Equity (ROE) | 12.51% |
| Return on Assets (ROA) | 1.47% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $321,754 |
| Profits Per Employee | $95,454 |
| Employee Count | 877 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OSBC has paid $26.92 million in taxes.
| Income Tax | 26.92M |
| Effective Tax Rate | 24.33% |
Stock Price Statistics
The stock price has increased by +12.85% in the last 52 weeks. The beta is 0.80, so OSBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.80 |
| 52-Week Price Change | +12.85% |
| 50-Day Moving Average | 17.65 |
| 200-Day Moving Average | 17.45 |
| Relative Strength Index (RSI) | 48.29 |
| Average Volume (20 Days) | 208,292 |
Short Selling Information
The latest short interest is 422,257, so 0.80% of the outstanding shares have been sold short.
| Short Interest | 422,257 |
| Short Previous Month | 391,161 |
| Short % of Shares Out | 0.80% |
| Short % of Float | 0.83% |
| Short Ratio (days to cover) | 1.71 |
Income Statement
In the last 12 months, OSBC had revenue of $282.18 million and earned $83.71 million in profits. Earnings per share was $1.83.
| Revenue | 282.18M |
| Gross Profit | 282.18M |
| Operating Income | 120.67M |
| Pretax Income | 115.16M |
| Net Income | 83.71M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.83 |
Full Income StatementBalance Sheet
The company has $146.22 million in cash and $134.26 million in debt, giving a net cash position of $11.97 million or $0.23 per share.
| Cash & Cash Equivalents | 146.22M |
| Total Debt | 134.26M |
| Net Cash | 11.97M |
| Net Cash Per Share | $0.23 |
| Equity (Book Value) | 718.65M |
| Book Value Per Share | 15.95 |
| Working Capital | -4.67B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $114.58 million and capital expenditures -$6.89 million, giving a free cash flow of $107.69 million.
| Operating Cash Flow | 114.58M |
| Capital Expenditures | -6.89M |
| Free Cash Flow | 107.69M |
| FCF Per Share | $2.05 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 42.76% |
| Pretax Margin | 39.21% |
| Profit Margin | 29.67% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 38.16% |
Dividends & Yields
This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.35%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 1.35% |
| Dividend Growth (YoY) | 20.00% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 13.11% |
| Buyback Yield | -0.48% |
| Shareholder Yield | 0.90% |
| Earnings Yield | 9.14% |
| FCF Yield | 11.76% |
Dividend DetailsAnalyst Forecast
The average price target for OSBC is $20.08, which is 15.47% higher than the current price. The consensus rating is "Buy".
| Price Target | $20.08 |
| Price Target Difference | 15.47% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| 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 |
