Old Second Bancorp, Inc. (OSBC)

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.

Market Cap	1.09B
Enterprise Value	1.30B

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 51.78 million shares outstanding. The number of shares has increased by 12.65% in one year.

Current Share Class	51.78M
Shares Outstanding	51.78M
Shares Change (YoY)	+12.65%
Shares Change (QoQ)	-0.33%
Owned by Insiders (%)	3.65%
Owned by Institutions (%)	73.25%
Float	49.89M

Valuation Ratios

The trailing PE ratio is 12.58 and the forward PE ratio is 9.43.

PE Ratio	12.58
Forward PE	9.43
PS Ratio	3.36
Forward PS	2.78
PB Ratio	1.24
P/TBV Ratio	1.47
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.09
EV / Sales	4.00
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 10.84%.

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)	6.28%
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 +28.62% 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	+28.62%
50-Day Moving Average	20.38
200-Day Moving Average	19.19
Relative Strength Index (RSI)	54.33
Average Volume (20 Days)	443,878

Short Selling Information

The latest short interest is 1.42 million, so 2.75% of the outstanding shares have been sold short.

Short Interest	1.42M
Short Previous Month	1.75M
Short % of Shares Out	2.75%
Short % of Float	2.85%
Short Ratio (days to cover)	3.52

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

Balance Sheet

The company has $115.73 million in cash and $323.32 million in debt, with a net cash position of -$207.59 million or -$4.01 per share.

Cash & Cash Equivalents	115.73M
Total Debt	323.32M
Net Cash	-207.59M
Net Cash Per Share	-$4.01
Equity (Book Value)	893.30M
Book Value Per Share	17.11
Working Capital	-5.67B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.33%.

Dividend Per Share	$0.28
Dividend Yield	1.33%
Dividend Growth (YoY)	17.39%
Years of Dividend Growth	2
Payout Ratio	16.12%
Buyback Yield	-12.65%
Shareholder Yield	-11.32%
Earnings Yield	7.89%
FCF Yield	n/a

Analyst Forecast

The average price target for OSBC is $23.50, which is 11.48% higher than the current price. The consensus rating is "Buy".

Price Target	$23.50
Price Target Difference	11.48%
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