- Overview
- Key stats
- Stock price
- Financial performance
- Growth
- Valuations
- Efficiency
- Dividends
- Financial health
- Stocks
- Financial Services
- NASDAQ: OSBC
Price (delayed)
$16.29
Market cap
$733.82M
P/E Ratio
8.57
Dividend/share
$0.23
EPS
$1.9
Enterprise value
$776.39M
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 28% lower than the 5-year quarterly average of 11.6 but 3.8% higher than the last 4 quarters average of 8.1
The EPS has declined by 7% year-on-year
OSBC's net income is down by 7% YoY
Key stats
What are the main financial stats of OSBC
MarketValuationsEarnings
Shares outstanding
45.05M
Market cap
$733.82M
Enterprise value
$776.39M
Price to earnings (P/E)
8.57
Price to book (P/B)
1.09
Price to sales (P/S)
2.68
EV/EBIT
6.87
EV/EBITDA
6.36
EV/Sales
2.85
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 shareBalance sheetLiquidity
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
MarginsEfficiencyDividend
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
1.41%
DPS
$0.23
Payout ratio
12.1%
OSBC stock price
How has the Old Second Bancorp stock price performed over time
Intraday
2%
1 week
4.62%
1 month
-2.98%
1 year
15.12%
YTD
-8.38%
QTD
-2.1%
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%
OSBC financials
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
Price vs fundamentals
Earnings waterfall
Growth
What is Old Second Bancorp's growth rate over time
OSBC growth chart
Valuation
What is Old Second Bancorp stock price valuation
P/E
8.57
P/B
1.09
P/S
2.68
EV/EBIT
6.87
EV/EBITDA
6.36
EV/Sales
2.85
Valuation vs average
Price to earnings (P/E)
The price to earnings (P/E) is 28% lower than the 5-year quarterly average of 11.6 but 3.8% higher than the last 4 quarters average of 8.1
The EPS has declined by 7% year-on-year
Price to book (P/B)
The equity is up by 16% year-on-year
The stock's price to book (P/B) is 2.7% less than its 5-year quarterly average of 1.1 and 2.7% less than its last 4 quarters average of 1.1
Price to sales (P/S)
OSBC's price to sales (P/S) is 2.6% less than its 5-year quarterly average of 2.7
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
$0.23
Dividend yield
1.41%
Payout ratio
12.1%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Old Second Bancorp financials performed over time
Assets vs liabilities
Old Second Bancorp's total assets is 13% higher than its total liabilities
The total liabilities is down by 3.2% YoY
Debt vs equity
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
Balance sheet
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.