Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $1.21 billion. The enterprise value is $1.58 billion.
| Market Cap | 1.21B |
| Enterprise Value | 1.58B |
Important Dates
The last earnings date was Wednesday, October 21, 2026, after market close.
| Earnings Date | Oct 21, 2026 |
| Ex-Dividend Date | Oct 30, 2026 |
Share Statistics
OSBC has 49.44 million shares outstanding. The number of shares has increased by 10.08% in one year.
| Current Share Class | 49.44M |
| Shares Outstanding | 49.44M |
| Shares Change (YoY) | +10.08% |
| Shares Change (QoQ) | -1.87% |
| Owned by Insiders (%) | 3.41% |
| Owned by Institutions (%) | 77.68% |
| Float | 47.73M |
Valuation Ratios
The trailing PE ratio is 11.48 and the forward PE ratio is 10.51.
| PE Ratio | 11.48 |
| Forward PE | 10.51 |
| PS Ratio | 3.39 |
| Forward PS | 3.48 |
| PB Ratio | 1.37 |
| P/TBV Ratio | 1.65 |
| P/FCF Ratio | 7.03 |
| P/OCF Ratio | 6.91 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 14.20 |
| EV / Sales | 4.45 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.23 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.56 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.87 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.78%.
| Return on Equity (ROE) | 12.78% |
| Return on Assets (ROA) | 1.62% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.02% |
| Revenue Per Employee | $334,753 |
| Profits Per Employee | $104,982 |
| Employee Count | 1,062 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OSBC has paid $38.43 million in taxes.
| Income Tax | 38.43M |
| Effective Tax Rate | 25.63% |
Stock Price Statistics
The stock price has increased by +32.68% 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 | +32.68% |
| 50-Day Moving Average | 24.93 |
| 200-Day Moving Average | 22.60 |
| Relative Strength Index (RSI) | 44.69 |
| Average Volume (20 Days) | 626,147 |
Short Selling Information
The latest short interest is 3.04 million, so 6.15% of the outstanding shares have been sold short.
| Short Interest | 3.04M |
| Short Previous Month | 2.75M |
| Short % of Shares Out | 6.15% |
| Short % of Float | 6.37% |
| Short Ratio (days to cover) | 5.27 |
Income Statement
In the last 12 months, OSBC had revenue of $355.51 million and earned $111.49 million in profits. Earnings per share was $2.13.
| Revenue | 355.51M |
| Gross Profit | 355.51M |
| Operating Income | 157.12M |
| Pretax Income | 149.92M |
| Net Income | 111.49M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.13 |
Balance Sheet
The company has $115.11 million in cash and $492.43 million in debt, with a net cash position of -$377.32 million or -$7.63 per share.
| Cash & Cash Equivalents | 115.11M |
| Total Debt | 492.43M |
| Net Cash | -377.32M |
| Net Cash Per Share | -$7.63 |
| Equity (Book Value) | 878.55M |
| Book Value Per Share | 17.78 |
| Working Capital | -5.61B |
Cash Flow
In the last 12 months, operating cash flow was $174.59 million and capital expenditures -$2.93 million, giving a free cash flow of $171.66 million.
| Operating Cash Flow | 174.59M |
| Capital Expenditures | -2.93M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 200.62M |
| Free Cash Flow | 171.66M |
| FCF Per Share | $3.47 |
Margins
| Gross Margin | n/a |
| Operating Margin | 44.20% |
| Pretax Margin | 42.17% |
| Profit Margin | 31.36% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 48.28% |
Dividends & Yields
This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 1.31%.
| Dividend Per Share | $0.32 |
| Dividend Yield | 1.31% |
| Dividend Growth (YoY) | 16.00% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 15.06% |
| FCF Payout Ratio | 9.22% |
| Buyback Yield | -10.08% |
| Shareholder Yield | -8.77% |
| Earnings Yield | 8.71% |
| FCF Yield | 14.23% |
Analyst Forecast
The average price target for OSBC is $28.00, which is 14.75% higher than the current price. The consensus rating is "Buy".
| Price Target | $28.00 |
| Price Target Difference | 14.75% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 7.95% |
| EPS Growth Forecast (3Y) | 7.30% |
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 |