Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Statistics

Total Valuation

OSBC has a market cap or net worth of $1.05 billion. The enterprise value is $1.26 billion.

Market Cap	1.05B
Enterprise Value	1.26B

Important Dates

The last earnings date was Wednesday, January 21, 2026, after market close.

Earnings Date	Jan 21, 2026
Ex-Dividend Date	Jan 30, 2026

Share Statistics

OSBC has 52.67 million shares outstanding. The number of shares has increased by 8.83% in one year.

Current Share Class	52.67M
Shares Outstanding	52.67M
Shares Change (YoY)	+8.83%
Shares Change (QoQ)	-0.05%
Owned by Insiders (%)	3.80%
Owned by Institutions (%)	68.95%
Float	50.67M

Valuation Ratios

The trailing PE ratio is 12.28 and the forward PE ratio is 9.26.

PE Ratio	12.28
Forward PE	9.26
PS Ratio	3.12
Forward PS	2.69
PB Ratio	1.17
P/TBV Ratio	1.41
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.73
EV / Sales	4.06
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 10.24%.

Return on Equity (ROE)	10.24%
Return on Assets (ROA)	1.28%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.62%
Revenue Per Employee	$355,009
Profits Per Employee	$91,574
Employee Count	877
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OSBC has paid $27.44 million in taxes.

Income Tax	27.44M
Effective Tax Rate	25.47%

Stock Price Statistics

The stock price has increased by +6.53% in the last 52 weeks. The beta is 0.82, so OSBC's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+6.53%
50-Day Moving Average	19.67
200-Day Moving Average	17.92
Relative Strength Index (RSI)	47.45
Average Volume (20 Days)	323,780

Short Selling Information

The latest short interest is 948,028, so 1.80% of the outstanding shares have been sold short.

Short Interest	948,028
Short Previous Month	972,940
Short % of Shares Out	1.80%
Short % of Float	1.87%
Short Ratio (days to cover)	3.46

Income Statement

In the last 12 months, OSBC had revenue of $311.34 million and earned $80.31 million in profits. Earnings per share was $1.62.

Revenue	311.34M
Gross Profit	311.34M
Operating Income	116.83M
Pretax Income	107.75M
Net Income	80.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.62

Balance Sheet

The company has $124.03 million in cash and $338.92 million in debt, with a net cash position of -$214.90 million or -$4.08 per share.

Cash & Cash Equivalents	124.03M
Total Debt	338.92M
Net Cash	-214.90M
Net Cash Per Share	-$4.08
Equity (Book Value)	896.77M
Book Value Per Share	17.03
Working Capital	-5.70B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	37.52%
Pretax Margin	34.61%
Profit Margin	25.79%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.41%.

Dividend Per Share	$0.28
Dividend Yield	1.41%
Dividend Growth (YoY)	18.18%
Years of Dividend Growth	2
Payout Ratio	16.05%
Buyback Yield	-8.83%
Shareholder Yield	-7.42%
Earnings Yield	7.66%
FCF Yield	n/a

Analyst Forecast

The average price target for OSBC is $22.63, which is 13.72% higher than the current price. The consensus rating is "Buy".

Price Target	$22.63
Price Target Difference	13.72%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2