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Price (delayed)
$16.54
Market cap
$741.81M
P/E Ratio
8.66
Dividend/share
$0.2
EPS
$1.91
Enterprise value
$1.08B
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 21% year-on-year and by 3.9% since the previous quarter
The company's debt rose by 36% QoQ but it fell by 23% YoY
The price to earnings (P/E) is 25% lower than the 5-year quarterly average of 11.6 but 22% higher than the last 4 quarters average of 7.1
OSBC's net income is down by 7% YoY and by 4.1% QoQ
The EPS has declined by 7% year-on-year and by 4.5% since the previous quarter
Key stats
What are the main financial stats of OSBC
Market
Valuations
Earnings
Shares outstanding
44.85M
Market cap
$741.81M
Enterprise value
$1.08B
Price to book (P/B)
1.2
Price to sales (P/S)
2.79
EV/EBIT
9.4
EV/EBITDA
8.83
EV/Sales
4.07
Revenue
$265.72M
EBIT
$115.16M
EBITDA
$122.6M
Free cash flow
$157.69M
Per share
Balance sheet
Liquidity
EPS
$1.91
Free cash flow per share
$3.52
Book value per share
$13.81
Revenue per share
$5.93
TBVPS
$124.12
Total assets
$5.66B
Total liabilities
$5.04B
Debt
$461.74M
Equity
$619.34M
Working capital
N/A
Debt to equity
0.75
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.78
Margins
Efficiency
Dividend
EBITDA margin
46.1%
Gross margin
100%
Net margin
32.3%
Operating margin
43.3%
Return on assets
1.5%
Return on equity
14.8%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
43.3%
Dividend yield
1.21%
DPS
$0.2
Payout ratio
10.5%
OSBC stock price
How has the Old Second Bancorp stock price performed over time
Intraday
-0.48%
1 week
-2.93%
1 month
1.66%
1 year
24.08%
YTD
7.12%
QTD
6.09%
Financial performance
How have Old Second Bancorp's revenue and profit performed over time
Revenue
$265.72M
Gross profit
$265.72M
Operating income
$115.16M
Net income
$85.76M
Gross margin
100%
Net margin
32.3%
The operating income has declined by 8% year-on-year and by 4.8% since the previous quarter
OSBC's net income is down by 7% YoY and by 4.1% QoQ
The operating margin is down by 6% YoY and by 3.8% QoQ
The company's net margin fell by 5% YoY and by 3% QoQ
Growth
What is Old Second Bancorp's growth rate over time
Valuation
What is Old Second Bancorp stock price valuation
P/E
8.66
P/B
1.2
P/S
2.79
EV/EBIT
9.4
EV/EBITDA
8.83
EV/Sales
4.07
The price to earnings (P/E) is 25% lower than the 5-year quarterly average of 11.6 but 22% higher than the last 4 quarters average of 7.1
The EPS has declined by 7% year-on-year and by 4.5% since the previous quarter
The equity is up by 21% year-on-year and by 3.9% 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 16% more than its last 4 quarters average of 2.4 and 7% more than its 5-year quarterly average of 2.6
The revenue has declined by 2.3% year-on-year
Efficiency
How efficient is Old Second Bancorp business performance
The ROE has contracted by 24% YoY and by 8% from the previous quarter
The company's return on invested capital fell by 10% YoY and by 5% QoQ
The return on assets has declined by 6% since the previous quarter and by 6% year-on-year
The return on sales has declined by 6% year-on-year and by 3.8% since the previous quarter
Dividends
What is OSBC's dividend history
DPS
$0.2
Dividend yield
1.21%
Payout ratio
10.5%
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 12% higher than its total liabilities
The total liabilities is down by 6% YoY
Old Second Bancorp's total assets has decreased by 3.8% YoY
The company's debt is 25% lower than its equity
The company's debt to equity fell by 36% YoY but it rose by 32% QoQ
The company's debt rose by 36% QoQ but it fell by 23% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.