OSBC Old Second Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: OSBC

Price (delayed)

$13.44

Market cap

$602.13M

P/E Ratio

6.56

Dividend/share

$0.2

EPS

$2.05

Enterprise value

$1.02B

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 price to earnings (P/E) is 44% lower than the 5-year quarterly average of 11.8 and 6% lower than the last 4 quarters average of 7.0
The equity is up by 25% year-on-year and by 8% since the previous quarter
The company's debt has surged by 98% YoY but it fell by 5% QoQ
OSBC's net income is up by 36% YoY but it is down by 6% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.oldsecond.com
Peers: WTFC BUSE

Key stats

What are the main financial stats of OSBC
Market
Shares outstanding
44.8M
Market cap
$602.13M
Enterprise value
$1.02B
Valuations
Price to earnings (P/E)
6.56
Price to book (P/B)
1.04
Price to sales (P/S)
2.23
EV/EBIT
8.19
EV/EBITDA
7.75
EV/Sales
3.78
Earnings
Revenue
$269.61M
EBIT
$124.41M
EBITDA
$131.35M
Free cash flow
$108.57M
Per share
EPS
$2.05
Free cash flow per share
$2.43
Book value per share
$12.92
Revenue per share
$6.03
TBVPS
$125.85
Balance sheet
Total assets
$5.72B
Total liabilities
$5.15B
Debt
$516.63M
Equity
$577.28M
Working capital
N/A
Liquidity
Debt to equity
0.89
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.17
Margins
EBITDA margin
48.7%
Gross margin
100%
Net margin
34%
Operating margin
46.1%
Efficiency
Return on assets
1.6%
Return on equity
17.3%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
46.1%
Dividend
Dividend yield
1.49%
DPS
$0.2
Payout ratio
9.8%

OSBC stock price

How has the Old Second Bancorp stock price performed over time
Intraday
0.98%
1 week
0.37%
1 month
1.9%
1 year
0.07%
YTD
-12.95%
QTD
-2.89%

Financial performance

How have Old Second Bancorp's revenue and profit performed over time
Revenue
$269.61M
Gross profit
$269.61M
Operating income
$124.41M
Net income
$91.73M
Gross margin
100%
Net margin
34%
OSBC's net income is up by 36% YoY but it is down by 6% QoQ
The operating income has grown by 36% year-on-year but it has declined by 5% since the previous quarter
The company's net margin rose by 22% YoY but it fell by 2.3% QoQ
The operating margin is up by 22% YoY

Growth

What is Old Second Bancorp's growth rate over time

Valuation

What is Old Second Bancorp stock price valuation
OSBC P/E details
P/E
6.56
P/B
1.04
P/S
2.23
EV/EBIT
8.19
EV/EBITDA
7.75
EV/Sales
3.78
The price to earnings (P/E) is 44% lower than the 5-year quarterly average of 11.8 and 6% lower than the last 4 quarters average of 7.0
The EPS has grown by 36% year-on-year but it has declined by 6% since the previous quarter
The equity is up by 25% year-on-year and by 8% since the previous quarter
The stock's price to book (P/B) is 13% less than its 5-year quarterly average of 1.2 and 13% less than its last 4 quarters average of 1.2
OSBC's price to sales (P/S) is 17% less than its 5-year quarterly average of 2.7 and 3% less than its last 4 quarters average of 2.3
The revenue has increased by 11% year-on-year but it has declined by 3.4% since the previous quarter

Efficiency

How efficient is Old Second Bancorp business performance
The return on assets is up by 45% year-on-year but it has declined by 6% since the previous quarter
The company's return on invested capital rose by 25% YoY but it fell by 4.8% QoQ
The return on sales has grown by 22% year-on-year
The ROE has grown by 16% YoY but it has contracted by 11% from the previous quarter

Dividends

What is OSBC's dividend history
Dividend details
DPS
$0.2
Dividend yield
1.49%
Payout ratio
9.8%
Recent dividends

Financial health

How did Old Second Bancorp financials performed over time
Old Second Bancorp's total assets is 11% higher than its total liabilities
The total liabilities is down by 5% YoY
Old Second Bancorp's total assets has decreased by 2.8% YoY
The company's debt is 11% lower than its equity
The company's debt has surged by 98% YoY but it fell by 5% QoQ
The company's debt to equity has surged by 56% YoY but it fell by 14% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.