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Old Second Bancorp, Inc.

Data quality: 100%
OSBC
NASDAQ Financial Services Banks - Regional
$19.68
▲ $0.23 (1.18%)
Mkt Cap: 1.04B
Day Range
$19.66 $20.11
52-Week Range
$14.14 $22.00
Volume
661,304
50D / 200D Avg
$20.13 / $18.70
Prev Close
$19.45

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 12.9 10.3
P/B 1.2 1.1
ROE % 10.2 11.7
Net Margin % 20.2 16.8
Rev Growth 5Y % 29.3 11.7
D/E 0.4 0.5

Key Takeaways

Revenue grew 29.33% annually over 5 years — strong growth
ROE of 10.24% — decent returns on equity
Net margin of 20.23% shows strong profitability
Debt/Equity of 0.38 — conservative balance sheet
Generating 117.76M in free cash flow
P/E of 12.91 — trading at a low valuation

Growth

Revenue Growth (5Y)
29.33%
Revenue (1Y)18.09%
Earnings (1Y)-5.81%
FCF Growth (3Y)6.40%

Quality

Return on Equity
10.24%
ROIC6.72%
Net Margin20.23%
Op. Margin27.90%

Safety

Debt / Equity
0.38
Current Ratio0.10
Interest Coverage1.78

Valuation

P/E Ratio
12.91
P/B Ratio1.16
EV/EBITDA11.30
Dividend Yield0.01%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 18.09% Revenue Growth (3Y) 11.20%
Earnings Growth (1Y) -5.81% Earnings Growth (3Y) -6.43%
Revenue Growth (5Y) 29.33% Earnings Growth (5Y) 41.48%
Profitability
Revenue (TTM) 396.97M Net Income (TTM) 80.31M
ROE 10.24% ROA 1.16%
Gross Margin 78.14% Operating Margin 27.90%
Net Margin 20.23% Free Cash Flow (TTM) 117.76M
ROIC 6.72% FCF Growth (3Y) 6.40%
Safety
Debt / Equity 0.38 Current Ratio 0.10
Interest Coverage 1.78 Dividend Yield 0.01%
Valuation
P/E Ratio 12.91 P/B Ratio 1.16
P/S Ratio 2.61 PEG Ratio -0.93
EV/EBITDA 11.30 Dividend Yield 0.01%
Market Cap 1.04B Enterprise Value 1.25B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 396.97M 336.17M 321.03M 255.24M 141.89M
Net Income 80.31M 85.26M 91.73M 67.41M 20.04M
EPS (Diluted) 1.62 1.87 2.02 1.49 0.65
Gross Profit 310.20M 267.15M 264.49M 238.37M 129.11M
Operating Income 110.75M 112.96M 124.41M 91.55M 27.87M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 6.90B 5.65B 5.72B 5.89B 6.21B
Total Liabilities 6.01B 4.98B 5.15B 5.43B 5.71B
Shareholders' Equity 896.77M 671.03M 577.28M 461.14M 502.03M
Total Debt 338.92M 141.90M 516.63M 260.81M 198.88M
Cash & Equivalents 124.03M 99.33M 100.15M 115.18M 752.11M
Current Assets 196.39M 1.75B 1.69B 1.93B 2.62B
Current Liabilities 1.98B 4.83B 5.00B 5.23B 5.52B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#483 of 1024
46

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026