Old Second Bancorp (OSBC)
NASDAQ:OSBC
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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 $952.70M. The enterprise value is $882.24M.
Market Cap$952.70M
Enterprise Value$882.24M

Share Statistics

Old Second Bancorp has 52,664,536 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,664,536
Owned by Insiders4.73%
Owned by Institutions20.79%

Financial Efficiency

Old Second Bancorp’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 9.68%.
Return on Equity (ROE)0.13
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)9.68%
Return on Capital Employed (ROCE)0.14
Revenue Per Employee383.32K
Profits Per Employee97.22K
Employee Count877
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Old Second Bancorp is 12.0. Old Second Bancorp’s PEG ratio is -1.28.
PE Ratio12.0
PS Ratio2.37
PB Ratio1.19
Price to Fair Value1.19
Price to FCF6.60
Price to Operating Cash Flow9.13
PEG Ratio-1.28

Income Statement

In the last 12 months, Old Second Bancorp had revenue of 336.17M and earned 85.26M in profits. Earnings per share was 1.90.
Revenue336.17M
Gross Profit267.15M
Operating Income112.96M
Pretax Income112.96M
Net Income85.26M
EBITDA122.12M
Earnings Per Share (EPS)1.90

Cash Flow

In the last 12 months, operating cash flow was 102.02M and capital expenditures -3.38M, giving a free cash flow of 98.64M billion.
Operating Cash Flow102.02M
Free Cash Flow98.64M
Free Cash Flow per Share1.87

Dividends & Yields

Old Second Bancorp pays an annual dividend of $0.07, resulting in a dividend yield of 1.4%
Dividend Per Share$0.07
Dividend Yield1.4%
Payout Ratio16.56%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.80
52-Week Price Change-1.49%
50-Day Moving Average17.81
200-Day Moving Average17.29
Relative Strength Index (RSI)46.67
Average Volume (3m)338.24K

Important Dates

Old Second Bancorp upcoming earnings date is Jan 28, 2026, After Close (Confirmed).
Last Earnings DateOct 22, 2025
Next Earnings DateJan 28, 2026
Ex-Dividend DateOct 31, 2025

Financial Position

Old Second Bancorp as a current ratio of 0.36, with Debt / Equity ratio of 33.39%
Current Ratio0.36
Quick Ratio0.36
Debt to Market Cap0.18
Net Debt to EBITDA0.35
Interest Coverage Ratio2.01

Taxes

In the past 12 months, Old Second Bancorp has paid 27.69M in taxes.
Income Tax27.69M
Effective Tax Rate0.25

Enterprise Valuation

Old Second Bancorp EV to EBITDA ratio is 6.88, with an EV/FCF ratio of 6.95.
EV to Sales2.50
EV to EBITDA6.88
EV to Free Cash Flow6.95
EV to Operating Cash Flow6.38

Balance Sheet

Old Second Bancorp has $938.59M in cash and marketable securities with $289.41M in debt, giving a net cash position of $649.18M billion.
Cash & Marketable Securities$938.59M
Total Debt$289.41M
Net Cash$649.18M
Net Cash Per Share$12.33
Tangible Book Value Per Share$12.17

Margins

Gross margin is 19.13%, with operating margin of 33.60%, and net profit margin of 25.36%.
Gross Margin19.13%
Operating Margin33.60%
Pretax Margin33.60%
Net Profit Margin25.36%
EBITDA Margin36.33%
EBIT Margin33.60%

Analyst Forecast

The average price target for Old Second Bancorp is $21.63, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$21.63
Price Target Upside21.18% Upside
Analyst ConsensusStrong Buy
Analyst Count4
Revenue Growth Forecast10.42%
EPS Growth Forecast-18.32%

Scores

Smart Score5
AI Score
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