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OSBC Old Second Bancorp Inc
- Stocks
- Financial Services
- NASDAQ: OSBC
Price (delayed)
$16.34
Market cap
$736.22M
P/E Ratio
8.78
Dividend/share
$0.23
EPS
$1.86
Enterprise value
$604.02M
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 63% YoY and by 13% QoQ
The equity is up by 16% year-on-year and by 3.5% since the previous quarter
The price to earnings (P/E) is 24% lower than the 5-year quarterly average of 11.5 but 2.1% higher than the last 4 quarters average of 8.6
The EPS has declined by 7% year-on-year and by 2.1% since the previous quarter
OSBC's net income is down by 6% YoY
Key stats
What are the main financial stats of OSBC
Market
Valuations
Earnings
Shares outstanding
45.06M
Market cap
$736.22M
Enterprise value
$604.02M
Price to earnings (P/E)
8.78
Price to book (P/B)
1.06
Price to sales (P/S)
2.66
EV/EBIT
5.46
EV/EBITDA
5.01
EV/Sales
2.18
Revenue
$276.63M
Gross profit
$276.63M
Operating income
$110.61M
Net income
$83.78M
EBIT
$110.61M
EBITDA
$120.55M
Free cash flow
$93.02M
Per share
Balance sheet
Liquidity
EPS
$1.86
EPS diluted
$1.83
Free cash flow per share
$2.06
Book value per share
$15.42
Revenue per share
$6.14
TBVPS
$124.61
Total assets
$5.73B
Total liabilities
$5.03B
Debt
$123.93M
Equity
$694.49M
Working capital
N/A
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.1
Margins
Efficiency
Dividend
EBITDA margin
43.6%
Gross margin
100%
Net margin
30.3%
Operating margin
40%
Return on assets
1.5%
Return on equity
12.7%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
40%
Dividend yield
1.41%
DPS
$0.23
Payout ratio
12.4%
OSBC stock price
How has the Old Second Bancorp stock price performed over time
Intraday
-0.12%
1 week
-2.45%
1 month
-0.43%
1 year
17.89%
YTD
-8.1%
QTD
-1.8%
Financial performance
How have Old Second Bancorp's revenue and profit performed over time
Revenue
$276.63M
Gross profit
$276.63M
Operating income
$110.61M
Net income
$83.78M
Gross margin
100%
Net margin
30.3%
The operating margin is down by 11% YoY and by 3.4% QoQ
The company's net margin fell by 9% YoY and by 3.2% QoQ
The operating income has declined by 9% year-on-year and by 2.1% since the previous quarter
OSBC's net income is down by 6% YoY
Price vs fundamentals
How does OSBC's price correlate with its fundamentals
Growth
What is Old Second Bancorp's growth rate over time
Valuation
What is Old Second Bancorp stock price valuation
P/E
8.78
P/B
1.06
P/S
2.66
EV/EBIT
5.46
EV/EBITDA
5.01
EV/Sales
2.18
The price to earnings (P/E) is 24% lower than the 5-year quarterly average of 11.5 but 2.1% higher than the last 4 quarters average of 8.6
The EPS has declined by 7% year-on-year and by 2.1% since the previous quarter
The equity is up by 16% year-on-year and by 3.5% since the previous quarter
The stock's price to book (P/B) is 3.6% less than its 5-year quarterly average of 1.1 and 3.6% less than its last 4 quarters average of 1.1
The revenue has increased by 3% year-on-year
Efficiency
How efficient is Old Second Bancorp business performance
The ROE has contracted by 21% YoY and by 5% from the previous quarter
The return on sales has declined by 11% year-on-year and by 3.4% 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
$0.23
Dividend yield
1.41%
Payout ratio
12.4%
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 14% higher than its total liabilities
The company's debt is 82% lower than its equity
The company's debt to equity has shrunk by 68% YoY and by 14% QoQ
The company's debt has shrunk by 63% YoY and by 13% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.