Old Second Bancorp Statistics
Total Valuation
OSBC has a market cap or net worth of $1.12 billion. The enterprise value is $1.33 billion.
Important Dates
The next confirmed 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 51.78 million shares outstanding. The number of shares has increased by 8.83% in one year.
| Current Share Class | 51.78M |
| Shares Outstanding | 51.78M |
| Shares Change (YoY) | +8.83% |
| Shares Change (QoQ) | -0.05% |
| Owned by Insiders (%) | 4.00% |
| Owned by Institutions (%) | 72.54% |
| Float | 49.71M |
Valuation Ratios
The trailing PE ratio is 13.31 and the forward PE ratio is 9.82.
| PE Ratio | 13.31 |
| Forward PE | 9.82 |
| PS Ratio | 3.59 |
| Forward PS | 2.87 |
| PB Ratio | 1.27 |
| P/TBV Ratio | 1.50 |
| P/FCF Ratio | 9.48 |
| P/OCF Ratio | 9.14 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 16.54 |
| EV / Sales | 4.27 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.28 |
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) | 6.37% |
| 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 +45.94% in the last 52 weeks. The beta is 0.74, so OSBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.74 |
| 52-Week Price Change | +45.94% |
| 50-Day Moving Average | 20.27 |
| 200-Day Moving Average | 19.03 |
| Relative Strength Index (RSI) | 70.21 |
| Average Volume (20 Days) | 431,262 |
Short Selling Information
The latest short interest is 1.75 million, so 3.37% of the outstanding shares have been sold short.
| Short Interest | 1.75M |
| Short Previous Month | 1.57M |
| Short % of Shares Out | 3.37% |
| Short % of Float | 3.51% |
| Short Ratio (days to cover) | 4.82 |
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 |
Full Income StatementBalance 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 -$4.09 per share.
| Cash & Cash Equivalents | 128.38M |
| Total Debt | 340.08M |
| Net Cash | -211.70M |
| Net Cash Per Share | -$4.09 |
| Equity (Book Value) | 896.77M |
| Book Value Per Share | 17.03 |
| Working Capital | -5.67B |
Full Balance SheetCash 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 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 166.61M |
| Free Cash Flow | 117.76M |
| FCF Per Share | $2.27 |
Full Cash Flow StatementMargins
| 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 1.30%.
| Dividend Per Share | $0.28 |
| Dividend Yield | 1.30% |
| Dividend Growth (YoY) | 18.18% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 16.05% |
| Buyback Yield | -8.83% |
| Shareholder Yield | -7.54% |
| Earnings Yield | 7.19% |
| FCF Yield | 10.54% |
Dividend DetailsAnalyst Forecast
The average price target for OSBC is $22.70, which is 5.24% higher than the current price. The consensus rating is "Buy".
| Price Target | $22.70 |
| Price Target Difference | 5.24% |
| 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 |
