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Price (delayed)
$17.66
Market cap
$792.11M
P/E Ratio
9.39
Dividend/share
$0.21
EPS
$1.88
Enterprise value
$1.15B
Old Second Bancorp, Inc. is a bank holding company headquartered in Aurora, Illinois, with over $2.9 billion in consolidated assets at June 30, 2020. Old Second operates through its subsidiary
Highlights
The equity is up by 24% year-on-year and by 7% since the previous quarter
The price to earnings (P/E) is 24% higher than the last 4 quarters average of 7.6 but 18% lower than the 5-year quarterly average of 11.4
The company's debt fell by 13% YoY but it rose by 2.7% QoQ
The EPS has declined by 14% year-on-year
OSBC's net income is down by 13% YoY
Key stats
What are the main financial stats of OSBC
Market
Valuations
Earnings
Shares outstanding
44.85M
Market cap
$792.11M
Enterprise value
$1.15B
Price to book (P/B)
1.2
Price to sales (P/S)
2.99
EV/EBIT
10.22
EV/EBITDA
9.57
EV/Sales
4.34
Revenue
$264.97M
Gross profit
$264.97M
Net income
$84.38M
EBIT
$112.52M
EBITDA
$120.26M
Free cash flow
$123.9M
Per share
Balance sheet
Liquidity
EPS
$1.88
EPS diluted
$1.85
Free cash flow per share
$2.76
Book value per share
$14.75
Revenue per share
$5.91
TBVPS
$124.32
Total assets
$5.67B
Total liabilities
$5.01B
Debt
$474.09M
Equity
$661.39M
Working capital
N/A
Debt to equity
0.72
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.98
Margins
Efficiency
Dividend
EBITDA margin
45.4%
Gross margin
100%
Net margin
31.8%
Operating margin
42.5%
Return on assets
1.5%
Return on equity
13.8%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
42.5%
Dividend yield
1.19%
DPS
$0.21
Payout ratio
11.2%
OSBC stock price
How has the Old Second Bancorp stock price performed over time
Intraday
2.2%
1 week
-3.97%
1 month
-3.92%
1 year
11.07%
YTD
14.38%
QTD
13.28%
Financial performance
How have Old Second Bancorp's revenue and profit performed over time
Revenue
$264.97M
Gross profit
$264.97M
Operating income
$112.52M
Net income
$84.38M
Gross margin
100%
Net margin
31.8%
The operating income has declined by 14% year-on-year and by 2.3% since the previous quarter
OSBC's net income is down by 13% YoY
The operating margin is down by 10% YoY
The company's net margin fell by 9% YoY
Growth
What is Old Second Bancorp's growth rate over time
Valuation
What is Old Second Bancorp stock price valuation
P/E
9.39
P/B
1.2
P/S
2.99
EV/EBIT
10.22
EV/EBITDA
9.57
EV/Sales
4.34
The price to earnings (P/E) is 24% higher than the last 4 quarters average of 7.6 but 18% lower than the 5-year quarterly average of 11.4
The EPS has declined by 14% year-on-year
The equity is up by 24% year-on-year and by 7% since the previous quarter
The stock's price to book (P/B) is 9% more than its 5-year quarterly average of 1.1 and 9% more than its last 4 quarters average of 1.1
OSBC's price to sales (P/S) is 20% more than its last 4 quarters average of 2.5 and 15% more than its 5-year quarterly average of 2.6
The revenue has declined by 5% year-on-year
Efficiency
How efficient is Old Second Bancorp business performance
The ROE has contracted by 29% YoY and by 7% from the previous quarter
The return on assets has declined by 12% year-on-year
The return on sales has declined by 10% year-on-year
The company's return on invested capital fell by 10% YoY
Dividends
What is OSBC's dividend history
DPS
$0.21
Dividend yield
1.19%
Payout ratio
11.2%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Old Second Bancorp financials performed over time
Old Second Bancorp's total assets is 13% higher than its total liabilities
The total liabilities is down by 4.1% YoY
The company's debt is 28% lower than its equity
The company's debt to equity fell by 30% YoY and by 4% QoQ
The equity is up by 24% year-on-year and by 7% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.