Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Statistics

Total Valuation

OSBC has a market cap or net worth of $836.52 million. The enterprise value is $1.19 billion.

Market Cap	836.52M
Enterprise Value	1.19B

Important Dates

The next confirmed earnings date is Wednesday, January 22, 2025, after market close.

Earnings Date	Jan 22, 2025
Ex-Dividend Date	Oct 25, 2024

Share Statistics

OSBC has 44.85 million shares outstanding. The number of shares has increased by 0.49% in one year.

Current Share Class	44.85M
Shares Outstanding	44.85M
Shares Change (YoY)	+0.49%
Shares Change (QoQ)	-0.01%
Owned by Insiders (%)	3.56%
Owned by Institutions (%)	70.96%
Float	43.26M

Valuation Ratios

The trailing PE ratio is 10.08 and the forward PE ratio is 10.06.

PE Ratio	10.08
Forward PE	10.06
PS Ratio	3.16
Forward PS	2.91
PB Ratio	1.26
P/TBV Ratio	1.48
P/FCF Ratio	6.76
P/OCF Ratio	6.12
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.16
EV / Sales	4.52
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.65

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.86
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.13%.

Return on Equity (ROE)	14.13%
Return on Assets (ROA)	1.48%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$316,629
Profits Per Employee	$101,174
Employee Count	834
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OSBC has paid $28.14 million in taxes.

Income Tax	28.14M
Effective Tax Rate	25.01%

Stock Price Statistics

The stock price has increased by +22.86% in the last 52 weeks. The beta is 1.08, so OSBC's price volatility has been similar to the market average.

Beta (5Y)	1.08
52-Week Price Change	+22.86%
50-Day Moving Average	18.22
200-Day Moving Average	16.01
Relative Strength Index (RSI)	62.07
Average Volume (20 Days)	257,810

Short Selling Information

The latest short interest is 567,078, so 1.26% of the outstanding shares have been sold short.

Short Interest	567,078
Short Previous Month	532,777
Short % of Shares Out	1.26%
Short % of Float	1.31%
Short Ratio (days to cover)	2.34

Income Statement

In the last 12 months, OSBC had revenue of $264.07 million and earned $84.38 million in profits. Earnings per share was $1.85.

Revenue	264.07M
Gross Profit	264.07M
Operating Income	116.86M
Pretax Income	115.16M
Net Income	84.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.85

Balance Sheet

The company has $120.41 million in cash and $478.47 million in debt, giving a net cash position of -$358.06 million or -$7.98 per share.

Cash & Cash Equivalents	120.41M
Total Debt	478.47M
Net Cash	-358.06M
Net Cash Per Share	-$7.98
Equity (Book Value)	661.39M
Book Value Per Share	14.75
Working Capital	-4.70B

Cash Flow

In the last 12 months, operating cash flow was $136.62 million and capital expenditures -$12.80 million, giving a free cash flow of $123.82 million.

Operating Cash Flow	136.62M
Capital Expenditures	-12.80M
Free Cash Flow	123.82M
FCF Per Share	$2.76

Margins

Gross Margin	n/a
Operating Margin	44.25%
Pretax Margin	42.61%
Profit Margin	31.95%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	46.89%

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.29%.

Dividend Per Share	$0.24
Dividend Yield	1.29%
Dividend Growth (YoY)	5.00%
Years of Dividend Growth	1
Payout Ratio	12.97%
Buyback Yield	-0.49%
Shareholder Yield	0.79%
Earnings Yield	10.09%
FCF Yield	14.80%

Analyst Forecast

The average price target for OSBC is $18.75, which is 0.54% higher than the current price. The consensus rating is "Buy".

Price Target	$18.75
Price Target Difference	0.54%
Analyst Consensus	Buy
Analyst Count	4
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