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Old Second Bancorp (OSBC)
NASDAQ:OSBC

Old Second Bancorp (OSBC) Stock Statistics & Valuation Metrics

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Total Valuation

Old Second Bancorp has a market cap or net worth of $1.05B. The enterprise value is $1.27B.
Market Cap$1.05B
Enterprise Value$1.27B

Share Statistics

Old Second Bancorp has 52,690,807 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,690,807
Owned by Insiders4.67%
Owned by Institutions17.42%

Financial Efficiency

Old Second Bancorp’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -45.50%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)-45.50%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee452.64K
Profits Per Employee91.57K
Employee Count877
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Old Second Bancorp is 12.8. Old Second Bancorp’s PEG ratio is -0.93.
PE Ratio12.8
PS Ratio2.59
PB Ratio1.15
Price to Fair Value1.15
Price to FCF8.40
Price to Operating Cash Flow8.64
PEG Ratio-0.93

Income Statement

In the last 12 months, Old Second Bancorp had revenue of 396.97M and earned 80.31M in profits. Earnings per share was 1.64.
Revenue396.97M
Gross Profit310.20M
Operating Income110.75M
Pretax Income107.75M
Net Income80.31M
EBITDA120.83M
Earnings Per Share (EPS)1.64

Cash Flow

In the last 12 months, operating cash flow was 122.26M and capital expenditures -2.83M, giving a free cash flow of 119.43M billion.
Operating Cash Flow122.26M
Free Cash Flow119.43M
Free Cash Flow per Share2.27

Dividends & Yields

Old Second Bancorp pays an annual dividend of $0.07, resulting in a dividend yield of 1.24%
Dividend Per Share$0.07
Dividend Yield1.24%
Payout Ratio16.56%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.77
52-Week Price Change18.15%
50-Day Moving Average20.18
200-Day Moving Average18.42
Relative Strength Index (RSI)48.23
Average Volume (3m)338.24K

Important Dates

Old Second Bancorp upcoming earnings date is Apr 22, 2026, After Close (Confirmed).
Last Earnings DateJan 21, 2026
Next Earnings DateApr 22, 2026
Ex-Dividend Date

Financial Position

Old Second Bancorp as a current ratio of 0.10, with Debt / Equity ratio of 37.79%
Current Ratio0.10
Quick Ratio0.10
Debt to Market Cap0.33
Net Debt to EBITDA1.78
Interest Coverage Ratio1.78

Taxes

In the past 12 months, Old Second Bancorp has paid 27.44M in taxes.
Income Tax27.44M
Effective Tax Rate0.25

Enterprise Valuation

Old Second Bancorp EV to EBITDA ratio is 10.28, with an EV/FCF ratio of 10.16.
EV to Sales3.13
EV to EBITDA10.28
EV to Free Cash Flow10.16
EV to Operating Cash Flow10.16

Balance Sheet

Old Second Bancorp has $196.38M in cash and marketable securities with $338.92M in debt, giving a net cash position of -$142.53M billion.
Cash & Marketable Securities$196.38M
Total Debt$338.92M
Net Cash-$142.53M
Net Cash Per Share-$2.71
Tangible Book Value Per Share$14.12

Margins

Gross margin is 78.14%, with operating margin of 27.90%, and net profit margin of 20.23%.
Gross Margin78.14%
Operating Margin27.90%
Pretax Margin27.14%
Net Profit Margin20.23%
EBITDA Margin30.44%
EBIT Margin27.90%

Analyst Forecast

The average price target for Old Second Bancorp is $23.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$23.50
Price Target Upside17.21% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast10.42%
EPS Growth Forecast-18.32%

Scores

Smart Score3
AI Score