Old Second Bancorp, Inc. (OSBC)
NASDAQ: OSBC · Real-Time Price · USD
19.62
-0.01 (-0.05%)
At close: Dec 5, 2025, 4:00 PM EST
20.00
+0.38 (1.94%)
After-hours: Dec 5, 2025, 6:26 PM EST

Old Second Bancorp Statistics

Total Valuation

OSBC has a market cap or net worth of $1.03 billion. The enterprise value is $1.20 billion.

Market Cap 1.03B
Enterprise Value 1.20B

Important Dates

The next estimated earnings date is Wednesday, January 21, 2026, after market close.

Earnings Date Jan 21, 2026
Ex-Dividend Date Oct 31, 2025

Share Statistics

OSBC has 52.67 million shares outstanding. The number of shares has increased by 4.68% in one year.

Current Share Class 52.67M
Shares Outstanding 52.67M
Shares Change (YoY) +4.68%
Shares Change (QoQ) +16.73%
Owned by Insiders (%) 3.83%
Owned by Institutions (%) 69.09%
Float 50.65M

Valuation Ratios

The trailing PE ratio is 13.28 and the forward PE ratio is 9.19.

PE Ratio 13.28
Forward PE 9.19
PS Ratio 3.19
Forward PS 2.68
PB Ratio 1.19
P/TBV Ratio 1.45
P/FCF Ratio 10.74
P/OCF Ratio 10.13
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 17.04
EV / Sales 4.17
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 12.50

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 3.02
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 9.24%.

Return on Equity (ROE) 9.24%
Return on Assets (ROA) 1.12%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $329,341
Profits Per Employee $80,539
Employee Count 877
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, OSBC has paid $23.22 million in taxes.

Income Tax 23.22M
Effective Tax Rate 24.74%

Stock Price Statistics

The stock price has increased by +4.31% in the last 52 weeks. The beta is 0.83, so OSBC's price volatility has been lower than the market average.

Beta (5Y) 0.83
52-Week Price Change +4.31%
50-Day Moving Average 18.08
200-Day Moving Average 17.39
Relative Strength Index (RSI) 67.92
Average Volume (20 Days) 292,304

Short Selling Information

The latest short interest is 1.23 million, so 2.34% of the outstanding shares have been sold short.

Short Interest 1.23M
Short Previous Month 1.14M
Short % of Shares Out 2.34%
Short % of Float 2.44%
Short Ratio (days to cover) 3.00

Income Statement

In the last 12 months, OSBC had revenue of $288.83 million and earned $70.63 million in profits. Earnings per share was $1.48.

Revenue 288.83M
Gross Profit 288.83M
Operating Income 104.26M
Pretax Income 93.85M
Net Income 70.63M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.48
Full Income Statement

Balance Sheet

The company has $120.88 million in cash and $290.80 million in debt, giving a net cash position of -$169.92 million or -$3.23 per share.

Cash & Cash Equivalents 120.88M
Total Debt 290.80M
Net Cash -169.92M
Net Cash Per Share -$3.23
Equity (Book Value) 866.69M
Book Value Per Share 16.46
Working Capital -5.79B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $102.02 million and capital expenditures -$5.77 million, giving a free cash flow of $96.25 million.

Operating Cash Flow 102.02M
Capital Expenditures -5.77M
Free Cash Flow 96.25M
FCF Per Share $1.83
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 36.10%
Pretax Margin 32.49%
Profit Margin 24.45%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 33.32%

Dividends & Yields

This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.43%.

Dividend Per Share $0.28
Dividend Yield 1.43%
Dividend Growth (YoY) 19.05%
Years of Dividend Growth 1
Payout Ratio 16.92%
Buyback Yield -4.68%
Shareholder Yield -3.25%
Earnings Yield 6.84%
FCF Yield 9.31%
Dividend Details

Analyst Forecast

The average price target for OSBC is $21.63, which is 10.25% higher than the current price. The consensus rating is "Buy".

Price Target $21.63
Price Target Difference 10.25%
Analyst Consensus Buy
Analyst Count 4
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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