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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 $936.12M. The enterprise value is $882.24M.
Market Cap$936.12M
Enterprise Value$882.24M

Share Statistics

Old Second Bancorp has 52,650,414 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,650,414
Owned by Insiders4.84%
Owned by Institutions19.03%

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 9.7. Old Second Bancorp’s PEG ratio is ―.
PE Ratio9.7
PS Ratio
PB Ratio
Price to Fair Value1.19
Price to FCF
Price to Operating Cash Flow6.99
PEG Ratio

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 114.58M and capital expenditures -4.49M, giving a free cash flow of 110.08M billion.
Operating Cash Flow114.58M
Free Cash Flow110.08M
Free Cash Flow per Share2.09

Dividends & Yields

Old Second Bancorp pays an annual dividend of $0.06, resulting in a dividend yield of 1.38%
Dividend Per Share$0.06
Dividend Yield1.38%
Payout Ratio13.14%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.82
52-Week Price Change9.51%
50-Day Moving Average17.61
200-Day Moving Average17.34
Relative Strength Index (RSI)48.58
Average Volume (3m)205.78K

Important Dates

Old Second Bancorp upcoming earnings date is Oct 15, 2025, After Close (Confirmed).
Last Earnings DateJul 23, 2025
Next Earnings DateOct 15, 2025
Ex-Dividend DateJul 25, 2025

Financial Position

Old Second Bancorp as a current ratio of 0.36, with Debt / Equity ratio of 18.44%
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 $1.24B in cash and marketable securities with $132.54M in debt, giving a net cash position of -$1.11B billion.
Cash & Marketable Securities$1.24B
Total Debt$132.54M
Net Cash-$1.11B
Net Cash Per Share-$21.06
Tangible Book Value Per Share$12.17

Margins

Gross margin is 62.53%, with operating margin of 33.60%, and net profit margin of 25.36%.
Gross Margin62.53%
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 $21.20, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$21.20
Price Target Upside21.91% Upside
Analyst ConsensusStrong Buy
Analyst Count5
Revenue Growth Forecast2.02%
EPS Growth Forecast-2.80%

Scores

Smart Score7
AI Score76
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