Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $1.03 billion. The enterprise value is $1.24 billion.
| Market Cap | 1.03B |
| Enterprise Value | 1.24B |
Important Dates
The next estimated earnings date is Wednesday, April 22, 2026, after market close.
| Earnings Date | Apr 22, 2026 |
| Ex-Dividend Date | Jan 30, 2026 |
Share Statistics
OSBC has 52.69 million shares outstanding. The number of shares has increased by 8.83% in one year.
| Current Share Class | 52.69M |
| Shares Outstanding | 52.69M |
| Shares Change (YoY) | +8.83% |
| Shares Change (QoQ) | -0.05% |
| Owned by Insiders (%) | 3.86% |
| Owned by Institutions (%) | 71.21% |
| Float | 50.66M |
Valuation Ratios
The trailing PE ratio is 12.07 and the forward PE ratio is 9.06.
| PE Ratio | 12.07 |
| Forward PE | 9.06 |
| PS Ratio | 3.31 |
| Forward PS | 2.64 |
| PB Ratio | 1.15 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 8.75 |
| P/OCF Ratio | 8.43 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 15.46 |
| EV / Sales | 3.99 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.55 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.89 |
| 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) | 6.38% |
| Revenue Per Employee | $293,167 |
| Profits Per Employee | $75,621 |
| Employee Count | 1,062 |
| 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 +12.16% in the last 52 weeks. The beta is 0.77, so OSBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.77 |
| 52-Week Price Change | +12.16% |
| 50-Day Moving Average | 20.19 |
| 200-Day Moving Average | 18.56 |
| Relative Strength Index (RSI) | 42.38 |
| Average Volume (20 Days) | 335,338 |
Short Selling Information
The latest short interest is 1.46 million, so 2.77% of the outstanding shares have been sold short.
| Short Interest | 1.46M |
| Short Previous Month | 1.13M |
| Short % of Shares Out | 2.77% |
| Short % of Float | 2.88% |
| Short Ratio (days to cover) | 3.72 |
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 $128.38 million in cash and $340.08 million in debt, with a net cash position of -$211.70 million or -$4.02 per share.
| Cash & Cash Equivalents | 128.38M |
| Total Debt | 340.08M |
| Net Cash | -211.70M |
| Net Cash Per Share | -$4.02 |
| Equity (Book Value) | 896.77M |
| Book Value Per Share | 17.03 |
| Working Capital | -5.67B |
Cash Flow
In the last 12 months, operating cash flow was $122.26 million and capital expenditures -$4.51 million, giving a free cash flow of $117.76 million.
| Operating Cash Flow | 122.26M |
| Capital Expenditures | -4.51M |
| Free Cash Flow | 117.76M |
| FCF Per Share | $2.23 |
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 | 37.82% |
Dividends & Yields
This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.43%.
| Dividend Per Share | $0.28 |
| Dividend Yield | 1.43% |
| Dividend Growth (YoY) | 18.18% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 16.05% |
| Buyback Yield | -8.83% |
| Shareholder Yield | -7.40% |
| Earnings Yield | 7.80% |
| FCF Yield | 11.43% |
Analyst Forecast
The average price target for OSBC is $22.63, which is 15.75% higher than the current price. The consensus rating is "Buy".
| Price Target | $22.63 |
| Price Target Difference | 15.75% |
| 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 | 4 |