OSBCNasdaqState Commercial BanksFiscal year ends December 31
OLD SECOND BANCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$24.84−0.04 (-0.16%)
Close on Oct 19, 2026
- Market cap
- $1.29B
- P/E (TTM)
- 14.3
- Dividend yield
- 1.01%
Old Second Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Market Cap | $1.26B | $679.86M |
| Enterprise Value | $1.12B | $418.07M |
| PE Ratio | 14.28 | 12.00 |
| PS Ratio | 3.31 | 3.62 |
| PB Ratio | 1.40 | 1.18 |
| P/TBV Ratio | 1.68 | 1.42 |
| P/FCF Ratio | 8.89 | 10.93 |
| P/OCF Ratio | 8.67 | 10.04 |
Enterprise value
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| EV / Sales | 2.94 | 2.78 |
| EV / FCF | 7.88 | 8.40 |
Income (trailing twelve months)
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Revenue | $381.45M | $170.85M |
| Pretax Income | $124.24M | $70.12M |
| Net Income | $92.42M | $54.33M |
| EPS (Diluted) | $1.74 | $2.90 |
Margins
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 32.6% | 36.4% |
| Profit Margin | 24.2% | 29.1% |
| FCF Margin | 37.3% | 33.0% |
Returns
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.4% | 10.5% |
| Return on Assets (ROA) | 1.47% | 1.12% |
Growth
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 30.4% | 11.8% |
| Net Income Growth (YoY) | 10.4% | 23.1% |
| EPS Growth (YoY) | -4.92% | 22.7% |
| FCF Growth (YoY) | 32.0% | 27.1% |
| Revenue Growth (3Y CAGR) | 10.8% | 5.82% |
| Revenue Growth (5Y CAGR) | 21.3% | 6.17% |
| EPS Growth (3Y CAGR) | 2.83% | 1.26% |
| EPS Growth (5Y CAGR) | 12.0% | 8.24% |
Balance sheet
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $143.33M | $205.54M |
| Net Cash (Debt) | $143.33M | $164.40M |
| Net Cash Per Share | $2.82 | $8.13 |
| Equity (Book Value) | $902.81M | $560.44M |
| Book Value Per Share | $17.75 | $28.47 |
| Tangible Book Value | $752.27M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $145.71M | $61.20M |
| Capital Expenditures | -$3.54M | -$4.02M |
| Free Cash Flow | $142.16M | $52.43M |
| FCF Per Share | $2.79 | $3.07 |
Efficiency
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.06 | 0.04 |
| Revenue Per Employee | $359.18K | $357.09K |
| Profits Per Employee | $87.03K | $107.23K |
| Employee Count | 1,062 | 528 |
Dividends and yields
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 7.31% | 8.07% |
| FCF Yield | 11.2% | 8.89% |
| Dividend Yield | 1.01% | 2.48% |
| Buyback Yield | 3.65% | 1.52% |
| Shareholder Yield | 4.66% | 3.13% |
| Dividend Per Share | $0.25 | $0.93 |
| Dividend Growth (YoY) | 19.0% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 15.3% | 29.4% |
| FCF Payout Ratio | 9.95% | 26.0% |
Shares
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 50,875,700 | 18,910,300 |
| Shares Change (YoY) | 16.2% | 0.39% |
| Shares Change (QoQ) | -1.41% | 0.00% |
| Float | 49,371,700 | 16,895,350 |
| Shares Held by Insiders | 2.96% | 5.92% |
| Shares Held by Institutions | 76.3% | 61.9% |
Taxes
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Income Tax | $31.82M | $14.50M |
| Effective Tax Rate | 25.6% | 21.1% |
Scores
| Measure | Old Second Bancorp | Industry median |
|---|---|---|
| Graham Number | $26.36 | $45.31 |
| Graham Upside | 6.11% | 21.6% |
| Altman Z-Score | 0.30 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Old Second Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.