OSBC Old Second Bancorp Inc
Price (delayed)
$16.61
Market cap
$748.23M
P/E Ratio
8.74
Dividend/share
$0.22
EPS
$1.9
Enterprise value
$790.8M
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 company's debt has shrunk by 73% YoY and by 70% QoQ
The equity is up by 16% year-on-year
The price to earnings (P/E) is 25% lower than the 5-year quarterly average of 11.6 but 8% higher than the last 4 quarters average of 8.1
OSBC's net income is down by 7% YoY
The EPS has declined by 7% year-on-year
Key stats
What are the main financial stats of OSBC
Market
Valuations
Earnings
Shares outstanding
45.05M
Market cap
$748.23M
Enterprise value
$790.8M
Price to earnings (P/E)
8.74
Price to book (P/B)
1.11
Price to sales (P/S)
2.73
EV/EBIT
7
EV/EBITDA
6.48
EV/Sales
2.9
Revenue
$272.7M
Gross profit
$272.7M
Operating income
$112.96M
Net income
$85.26M
EBIT
$112.96M
EBITDA
$122.12M
Free cash flow
$120.75M
Per share
Balance sheet
Liquidity
EPS
$1.9
EPS diluted
$1.87
Free cash flow per share
$2.69
Book value per share
$14.96
Revenue per share
$6.08
TBVPS
$123.38
Total assets
$5.65B
Total liabilities
$4.98B
Debt
$141.9M
Equity
$671.03M
Working capital
N/A
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.35
Margins
Efficiency
Dividend
EBITDA margin
44.8%
Gross margin
100%
Net margin
31.3%
Operating margin
41.4%
Return on assets
1.5%
Return on equity
13.4%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
41.4%
Dividend yield
1.32%
DPS
$0.22
Payout ratio
11.6%
OSBC stock price
How has the Old Second Bancorp stock price performed over time
Intraday
-0.18%
1 week
-1.77%
1 month
-9.43%
1 year
22.58%
YTD
-6.58%
QTD
-0.18%
Financial performance
How have Old Second Bancorp's revenue and profit performed over time
Revenue
$272.7M
Gross profit
$272.7M
Operating income
$112.96M
Net income
$85.26M
Gross margin
100%
Net margin
31.3%
The operating margin is down by 10% YoY and by 2.6% QoQ
The operating income has declined by 9% year-on-year
The company's net margin fell by 8% YoY
OSBC's net income is down by 7% YoY
Growth
What is Old Second Bancorp's growth rate over time
Valuation
What is Old Second Bancorp stock price valuation
P/E
8.74
P/B
1.11
P/S
2.73
EV/EBIT
7
EV/EBITDA
6.48
EV/Sales
2.9
The price to earnings (P/E) is 25% lower than the 5-year quarterly average of 11.6 but 8% higher than the last 4 quarters average of 8.1
The EPS has declined by 7% year-on-year
The equity is up by 16% year-on-year
OSBC's price to sales (P/S) is 5% more than its last 4 quarters average of 2.6
The revenue has increased by 2.9% since the previous quarter
Efficiency
How efficient is Old Second Bancorp business performance
The ROE has contracted by 23% YoY and by 2.9% from the previous quarter
The return on sales has declined by 10% year-on-year and by 2.6% since the previous quarter
The return on assets has declined by 6% year-on-year
The company's return on invested capital fell by 5% YoY
Dividends
What is OSBC's dividend history
DPS
$0.22
Dividend yield
1.32%
Payout ratio
11.6%
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 3.2% YoY
The company's debt is 79% lower than its equity
The company's debt to equity has shrunk by 76% YoY and by 71% QoQ
The company's debt has shrunk by 73% YoY and by 70% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.