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STOCKS

Old Second Bancorp (OSBC)

NASDAQ:OSBC

OSBC

Old Second Bancorp

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Old Second Bancorp (OSBC) Ratios

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91 Followers

Old Second Bancorp Ratios

OSBC's free cash flow for Q4 2025 was $0.83. For the 2025 fiscal year, OSBC's free cash flow was decreased by $ and operating cash flow was $0.37. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.10	0.10	0.36	0.34	0.37
Quick Ratio	0.10	0.10	0.36	0.34	0.37
Cash Ratio	0.06	0.06	0.02	0.02	0.02
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.06	0.06	0.03	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.51	0.51	2.32	0.27	0.80
Net Current Asset Value	$ -5.81B	$ -5.81B	$ -3.23B	$ -3.46B	$ -3.50B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.03	0.09	0.04
Debt-to-Equity Ratio	0.38	0.38	0.21	0.89	0.57
Debt-to-Capital Ratio	0.27	0.27	0.17	0.47	0.36
Long-Term Debt-to-Capital Ratio	0.10	0.10	0.11	0.13	0.23
Financial Leverage Ratio	7.70	7.70	8.42	9.91	12.77
Debt Service Coverage Ratio	0.31	0.31	0.84	0.21	0.56
Interest Coverage Ratio	1.78	1.78	2.01	3.11	8.87
Debt to Market Cap	0.33	0.33	0.18	0.75	0.37
Interest Debt Per Share	7.62	7.62	4.42	12.46	6.09
Net Debt to EBITDA	1.78	1.78	0.35	3.15	1.48
Profitability Margins
Gross Profit Margin	78.14%	78.14%	79.47%	82.39%	93.39%
EBIT Margin	27.90%	27.90%	33.60%	38.75%	35.87%
EBITDA Margin	30.44%	30.44%	36.33%	41.15%	38.57%
Operating Profit Margin	27.90%	27.90%	33.60%	38.75%	35.87%
Pretax Profit Margin	27.14%	27.14%	33.60%	38.75%	35.87%
Net Profit Margin	20.23%	20.23%	25.36%	28.57%	26.41%
Continuous Operations Profit Margin	20.23%	20.23%	25.36%	28.57%	26.41%
Net Income Per EBT	74.53%	74.53%	75.48%	73.73%	73.63%
EBT Per EBIT	97.29%	97.29%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.16%	1.16%	1.51%	1.60%	1.14%
Return on Equity (ROE)	10.11%	8.96%	12.71%	15.89%	14.62%
Return on Capital Employed (ROCE)	2.25%	2.25%	13.71%	17.26%	13.97%
Return on Invested Capital (ROIC)	-45.50%	-45.50%	9.68%	7.96%	8.67%
Return on Tangible Assets	1.19%	1.19%	1.54%	1.63%	1.17%
Earnings Yield	7.77%	7.82%	10.70%	13.30%	9.44%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.69	0.81	0.93
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.58	4.58	3.85	4.05	3.53
Asset Turnover	0.06	0.06	0.06	0.06	0.04
Working Capital Turnover Ratio	-0.13	-0.16	-0.11	-0.10	-0.08
Cash Conversion Cycle	0.00	0.00	531.60	449.42	392.57
Days of Sales Outstanding	0.00	0.00	531.60	449.42	392.57
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	531.60	449.42	392.57
Cash Flow Ratios
Operating Cash Flow Per Share	2.32	2.32	2.93	2.61	2.19
Free Cash Flow Per Share	2.27	2.24	2.69	2.33	2.09
CapEx Per Share	0.05	0.09	0.24	0.28	0.10
Free Cash Flow to Operating Cash Flow	0.98	0.96	0.92	0.89	0.96
Dividend Paid and CapEx Coverage Ratio	8.11	7.30	6.51	5.46	7.37
Capital Expenditure Coverage Ratio	43.13	27.14	12.19	9.41	22.47
Operating Cash Flow Coverage Ratio	0.36	0.36	0.93	0.23	0.37
Operating Cash Flow to Sales Ratio	0.31	0.31	0.39	0.36	0.38
Free Cash Flow Yield	11.55%	11.47%	15.15%	15.08%	13.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.93	12.79	9.35	7.52	10.60
Price-to-Sales (P/S) Ratio	2.62	2.59	2.37	2.15	2.80
Price-to-Book (P/B) Ratio	1.16	1.15	1.19	1.19	1.55
Price-to-Free Cash Flow (P/FCF) Ratio	8.70	8.72	6.60	6.63	7.68
Price-to-Operating Cash Flow Ratio	8.49	8.40	6.06	5.92	7.34
Price-to-Earnings Growth (PEG) Ratio	1.66	-0.93	-1.28	0.21	0.08
Price-to-Fair Value	1.16	1.15	1.19	1.19	1.55
Enterprise Value Multiple	10.37	10.28	6.88	8.37	8.74
Enterprise Value	1.25B	1.24B	839.61M	1.11B	859.85M
EV to EBITDA	10.33	10.28	6.88	8.37	8.74
EV to Sales	3.15	3.13	2.50	3.45	3.37
EV to Free Cash Flow	10.46	10.55	6.95	10.63	9.24
EV to Operating Cash Flow	10.21	10.16	6.38	9.50	8.83
Tangible Book Value Per Share	14.12	14.12	12.17	10.51	7.86
Shareholders’ Equity Per Share	17.03	17.03	14.97	12.92	10.36
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.25	0.26	0.26
Revenue Per Share	7.54	7.54	7.50	7.19	5.73
Net Income Per Share	1.52	1.52	1.90	2.05	1.51
Tax Burden	0.75	0.75	0.75	0.74	0.74
Interest Burden	0.97	0.97	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.32	0.32	0.30	0.29	0.35
Stock-Based Compensation to Revenue	0.01	0.00	0.01	0.01	0.01
Income Quality	1.52	1.52	1.54	1.27	1.44

Currency in USD