OSBC Old Second Bancorp Inc

Price (delayed)

$16.97

Market cap

$761.03M

P/E Ratio

8.49

Dividend/share

$0.2

EPS

$2

Enterprise value

$1B

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 fell by 34% QoQ and by 28% YoY
The equity is up by 20% year-on-year and by 3.3% since the previous quarter
The price to earnings (P/E) is 29% lower than the 5-year quarterly average of 11.7 but 22% higher than the last 4 quarters average of 6.8
The EPS has grown by 13% year-on-year but it has declined by 2.4% since the previous quarter

Key stats

What are the main financial stats of OSBC
Market
Shares outstanding
44.85M
Market cap
$761.03M
Enterprise value
$1B
Valuations
Price to book (P/B)
1.28
Price to sales (P/S)
2.83
EV/EBIT
8.28
EV/EBITDA
7.82
EV/Sales
3.73
Earnings
Revenue
$268.46M
EBIT
$120.94M
EBITDA
$128.14M
Free cash flow
$118.33M
Per share
EPS
$2
Free cash flow per share
$2.64
Book value per share
$13.31
Revenue per share
$5.99
TBVPS
$123.19
Balance sheet
Total assets
$5.62B
Total liabilities
$5.02B
Debt
$338.72M
Equity
$596.16M
Working capital
N/A
Liquidity
Debt to equity
0.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.88
Margins
EBITDA margin
47.7%
Gross margin
100%
Net margin
33.3%
Operating margin
45%
Efficiency
Return on assets
1.6%
Return on equity
16.1%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
45%
Dividend
Dividend yield
1.18%
DPS
$0.2
Payout ratio
10%

OSBC stock price

How has the Old Second Bancorp stock price performed over time
Intraday
2.41%
1 week
2.11%
1 month
23.33%
1 year
9.06%
YTD
9.91%
QTD
14.58%

Financial performance

How have Old Second Bancorp's revenue and profit performed over time
Revenue
$268.46M
Gross profit
$268.46M
Operating income
$120.94M
Net income
$89.43M
Gross margin
100%
Net margin
33.3%
OSBC's net income is up by 13% YoY but it is down by 2.5% QoQ
The operating income has grown by 13% year-on-year but it has declined by 2.8% since the previous quarter
The company's net margin rose by 8% YoY but it fell by 2.1% QoQ
The operating margin is up by 8% YoY but it is down by 2.4% QoQ

Growth

What is Old Second Bancorp's growth rate over time

Valuation

What is Old Second Bancorp stock price valuation
P/E
8.49
P/B
1.28
P/S
2.83
EV/EBIT
8.28
EV/EBITDA
7.82
EV/Sales
3.73
The price to earnings (P/E) is 29% lower than the 5-year quarterly average of 11.7 but 22% higher than the last 4 quarters average of 6.8
The EPS has grown by 13% year-on-year but it has declined by 2.4% since the previous quarter
The equity is up by 20% year-on-year and by 3.3% since the previous quarter
The stock's price to book (P/B) is 14% more than its 5-year quarterly average of 1.1 and 14% 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 2.3 and 7% more than its 5-year quarterly average of 2.6
The revenue has increased by 4.9% year-on-year

Efficiency

How efficient is Old Second Bancorp business performance
The return on assets is up by 23% year-on-year
The company's return on invested capital rose by 11% YoY
The return on sales has grown by 8% year-on-year but it has declined by 2.4% since the previous quarter
The ROE has contracted by 7% from the previous quarter and by 6% YoY

Dividends

What is OSBC's dividend history
DPS
$0.2
Dividend yield
1.18%
Payout ratio
10%
Recent dividends

Financial health

How did Old Second Bancorp financials performed over time
Old Second Bancorp's total assets is 12% higher than its total liabilities
The total liabilities is down by 7% YoY and by 2.4% QoQ
Old Second Bancorp's total assets has decreased by 5% YoY
The company's debt is 43% lower than its equity
The company's debt to equity fell by 40% YoY and by 36% QoQ
The company's debt fell by 34% QoQ and by 28% YoY

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