Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $1.28 billion. The enterprise value is $1.58 billion.
| Market Cap | 1.28B |
| Enterprise Value | 1.58B |
Important Dates
The last earnings date was Wednesday, July 22, 2026, after market close.
| Earnings Date | Jul 22, 2026 |
| Ex-Dividend Date | Jul 31, 2026 |
Share Statistics
OSBC has 50.94 million shares outstanding. The number of shares has increased by 16.20% in one year.
| Current Share Class | 50.94M |
| Shares Outstanding | 50.94M |
| Shares Change (YoY) | +16.20% |
| Shares Change (QoQ) | -2.22% |
| Owned by Insiders (%) | 3.61% |
| Owned by Institutions (%) | 75.29% |
| Float | 49.10M |
Valuation Ratios
The trailing PE ratio is 14.38 and the forward PE ratio is 10.78.
| PE Ratio | 14.38 |
| Forward PE | 10.78 |
| PS Ratio | 3.69 |
| Forward PS | 3.76 |
| PB Ratio | 1.39 |
| P/TBV Ratio | 1.67 |
| P/FCF Ratio | 9.14 |
| P/OCF Ratio | 8.91 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 17.14 |
| EV / Sales | 4.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.51 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.40 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.40%.
| Return on Equity (ROE) | 11.40% |
| Return on Assets (ROA) | 1.47% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.91% |
| Revenue Per Employee | $321,441 |
| Profits Per Employee | $87,026 |
| Employee Count | 1,062 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OSBC has paid $31.82 million in taxes.
| Income Tax | 31.82M |
| Effective Tax Rate | 25.61% |
Stock Price Statistics
The stock price has increased by +41.23% in the last 52 weeks. The beta is 0.70, so OSBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.70 |
| 52-Week Price Change | +41.23% |
| 50-Day Moving Average | 22.43 |
| 200-Day Moving Average | 20.44 |
| Relative Strength Index (RSI) | 75.94 |
| Average Volume (20 Days) | 429,423 |
Short Selling Information
The latest short interest is 1.73 million, so 3.40% of the outstanding shares have been sold short.
| Short Interest | 1.73M |
| Short Previous Month | 1.97M |
| Short % of Shares Out | 3.40% |
| Short % of Float | 3.52% |
| Short Ratio (days to cover) | 4.08 |
Income Statement
In the last 12 months, OSBC had revenue of $341.37 million and earned $92.42 million in profits. Earnings per share was $1.74.
| Revenue | 341.37M |
| Gross Profit | 341.37M |
| Operating Income | 131.81M |
| Pretax Income | 124.24M |
| Net Income | 92.42M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.74 |
Balance Sheet
The company has $143.33 million in cash and $468.66 million in debt, with a net cash position of -$325.33 million or -$6.39 per share.
| Cash & Cash Equivalents | 143.33M |
| Total Debt | 468.66M |
| Net Cash | -325.33M |
| Net Cash Per Share | -$6.39 |
| Equity (Book Value) | 902.81M |
| Book Value Per Share | 17.72 |
| Working Capital | -5.70B |
Cash Flow
In the last 12 months, operating cash flow was $141.37 million and capital expenditures -$3.67 million, giving a free cash flow of $137.70 million.
| Operating Cash Flow | 141.37M |
| Capital Expenditures | -3.67M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 168.97M |
| Free Cash Flow | 137.70M |
| FCF Per Share | $2.70 |
Margins
| Gross Margin | n/a |
| Operating Margin | 38.61% |
| Pretax Margin | 36.39% |
| Profit Margin | 27.07% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 42.38% |
Dividends & Yields
This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.12%.
| Dividend Per Share | $0.28 |
| Dividend Yield | 1.12% |
| Dividend Growth (YoY) | 16.67% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 16.08% |
| Buyback Yield | -16.20% |
| Shareholder Yield | -15.07% |
| Earnings Yield | 7.34% |
| FCF Yield | 10.94% |
Analyst Forecast
The average price target for OSBC is $26.67, which is 5.79% higher than the current price. The consensus rating is "Buy".
| Price Target | $26.67 |
| Price Target Difference | 5.79% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |