Old Second Bancorp Inc.

OSBC | NASDAQ

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$24.83

-$0.16 (-0.64%)

At close: Sep 21, 2026, 4:00 PM ET

$24.83

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.29B

Enterprise Value $461.96M

Beta 0.70

Average Volume 399.95K

Shares Outstanding (Diluted) 52.12M

Shares Change YoY 14%

Institutional Ownership 71.74%

Exchange NASDAQ

ISIN US6802771005

Price Performance

Price Change 1M -2.6%

Price Change 3M 10.0%

Price Change 6M 26.6%

Price Change YTD 27.5%

Price Change 1Y 38.7%

Price Change 3Y 83.9%

Price Change 5Y 100.7%

1M CAGR (ann.) -3.1%

1Y CAGR (ann.) 41.5%

5Y CAGR (ann.) 17.6%

All-Time CAGR 0.0%

Valuation

PE Ratio 14.27

Forward PE 10.11

PEG Ratio -3.26

Forward PEG 1.53

PS Ratio 2.97

Forward PS 3.20

PB Ratio 1.42

P/FCF Ratio 9.16

P/Adj. FCF Ratio 9.55

P/OCF Ratio 8.74

EV/Sales 1.07

EV/EBIT 3.63

EV/EBITDA 3.44

EV/FCF 3.31

Earnings Yield 7.0%

FCF Yield 10.9%

Adj. FCF Yield 10.5%

Financial Health

Net Cash $815.11M

Total Debt $327.65M

Cash & Short-Term Investments $1.14B

Total Assets $6.85B

Current Ratio 0.12

Quick Ratio 0.12

Debt / Equity Ratio 0.52

Debt / EBITDA 2.44

Debt / FCF 2.35

OCF / Debt 0.43

Interest Coverage 1.68

Altman Z-Score 0.31

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 79.8%

Operating Profit Margin 29.6%

EBITDA Margin 31.2%

Net Profit Margin 21.5%

FCF Margin 32.4%

Adj. FCF Margin 31.1%

SBC / Revenue 1.4%

SBC Impact (per share) -4.0%

Returns

Return on Assets 1.4%

Return on Equity 10.4%

Return on Invested Capital 1.4%

Return on Capital Employed 2.0%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 12.7%

Revenue CAGR 5Y 25.5%

Revenue CAGR 10Y 16.2%

EPS CAGR 3Y -5.0%

EPS CAGR 5Y 5.8%

EPS CAGR 10Y 13.5%

FCF CAGR 3Y 3.3%

FCF CAGR 5Y 36.9%

FCF CAGR 10Y 21.6%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 6

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 20, 2026

EPS Estimate (next Q) $0.58

EPS Growth Est (next Q) 205.3%

Revenue Est (next Q) $97.91M

Revenue Growth Est (next Q) 2.1%

Fair Value Estimates

Graham Number $26.20

Graham Upside 5.5%

Lynch Fair Value $10.16

Lynch Upside -59.1%

Price Target $26.33

Price Target Upside 6.0%

Cash Flow

Operating Cash Flow $141.37M

Free Cash Flow $139.37M

Adj. Free Cash Flow $133.76M

FCF Per Share $2.76

OCF Per Share $2.84

OCF/S Ratio 33.9%

Income Statement

Revenue $429.93M

Gross Profit $343.02M

Operating Income $127.24M

EBITDA $134.26M

Net Income $92.42M

EPS (Diluted) $1.74

Revenue / Employee $404.83K

Profit / Employee $87.03K

Employees 1,062

Dividends

Annual Dividend $0.28

Dividend Yield 1.13%

Payout Ratio 16.1%

FCF Payout Ratio 9.5%

Adj. FCF Payout Ratio 9.9%

Dividend Growth (YoY) 16.7%

Pay Frequency Quarterly

Ex-Dividend Date Jul 30, 2026