Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $1.09 billion. The enterprise value is $1.30 billion.
Important Dates
The last earnings date was Wednesday, April 22, 2026, after market close.
| Earnings Date | Apr 22, 2026 |
| Ex-Dividend Date | May 1, 2026 |
Share Statistics
OSBC has 51.43 million shares outstanding. The number of shares has increased by 12.86% in one year.
| Current Share Class | 51.43M |
| Shares Outstanding | 51.43M |
| Shares Change (YoY) | +12.86% |
| Shares Change (QoQ) | -0.33% |
| Owned by Insiders (%) | 3.60% |
| Owned by Institutions (%) | 74.09% |
| Float | 49.58M |
Valuation Ratios
The trailing PE ratio is 12.67 and the forward PE ratio is 9.49.
| PE Ratio | 12.67 |
| Forward PE | 9.49 |
| PS Ratio | 3.36 |
| Forward PS | 2.78 |
| PB Ratio | 1.23 |
| P/TBV Ratio | 1.47 |
| P/FCF Ratio | 7.92 |
| P/OCF Ratio | 7.72 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 15.05 |
| EV / Sales | 3.99 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.41 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.84%.
| Return on Equity (ROE) | 10.84% |
| Return on Assets (ROA) | 1.37% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.27% |
| Revenue Per Employee | $305,944 |
| Profits Per Employee | $81,040 |
| Employee Count | 1,062 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OSBC has paid $29.55 million in taxes.
| Income Tax | 29.55M |
| Effective Tax Rate | 25.56% |
Stock Price Statistics
The stock price has increased by +25.33% in the last 52 weeks. The beta is 0.71, so OSBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.71 |
| 52-Week Price Change | +25.33% |
| 50-Day Moving Average | 20.72 |
| 200-Day Moving Average | 19.45 |
| Relative Strength Index (RSI) | 52.05 |
| Average Volume (20 Days) | 352,711 |
Short Selling Information
The latest short interest is 1.77 million, so 3.44% of the outstanding shares have been sold short.
| Short Interest | 1.77M |
| Short Previous Month | 1.42M |
| Short % of Shares Out | 3.44% |
| Short % of Float | 3.57% |
| Short Ratio (days to cover) | 4.04 |
Income Statement
In the last 12 months, OSBC had revenue of $324.91 million and earned $86.07 million in profits. Earnings per share was $1.68.
| Revenue | 324.91M |
| Gross Profit | 324.91M |
| Operating Income | 122.90M |
| Pretax Income | 115.62M |
| Net Income | 86.07M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.68 |
Full Income StatementBalance Sheet
The company has $119.84 million in cash and $324.14 million in debt, with a net cash position of -$204.29 million or -$3.97 per share.
| Cash & Cash Equivalents | 119.84M |
| Total Debt | 324.14M |
| Net Cash | -204.29M |
| Net Cash Per Share | -$3.97 |
| Equity (Book Value) | 893.30M |
| Book Value Per Share | 17.29 |
| Working Capital | -5.63B |
Full Balance SheetCash 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 | $2.68 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 37.83% |
| Pretax Margin | 35.58% |
| Profit Margin | 26.49% |
| 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 1.32%.
| Dividend Per Share | $0.28 |
| Dividend Yield | 1.32% |
| Dividend Growth (YoY) | 17.39% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 16.12% |
| Buyback Yield | -12.86% |
| Shareholder Yield | -11.54% |
| Earnings Yield | 7.89% |
| FCF Yield | 12.62% |
Dividend DetailsAnalyst Forecast
The average price target for OSBC is $23.20, which is 9.38% higher than the current price. The consensus rating is "Buy".
| Price Target | $23.20 |
| Price Target Difference | 9.38% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |
