Old Second Bancorp, Inc. (OSBC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 127 | 133 | 245 | 281 | 280 | 335 | 354 | - |
| Operating profit | $m | 111 | 127 | ||||||
| Net profit | $m | 28 | 20 | 67 | 92 | 85 | 80 | 92 | 118 |
| EPS reported | $ | 1.62 | 1.74 | ||||||
| Operating cashflow per share | $ | 2.32 | 2.84 | ||||||
| Capex per share | $ | 0.09 | 0.08 | ||||||
| FCF per share | $ | 2.24 | 2.76 | ||||||
| Free cash flow | $m | 118 | 141 | ||||||
| Net debt | $m | 143 | 422 | ||||||
| Book value equity | $m | 897 | 903 | ||||||
| Book value per share | $ | 16.77 | 17.32 | ||||||
| Number of shares | m | 53.48 | 52.12 | ||||||
| DPS (TTM paid) | $ | 0.25 | 0.28 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.04 | 14.28 | ||||||
| P/B LTM | x | 1.15 | 1.14 | ||||||
| P/S LTM | x | 3.07 | 2.90 | ||||||
| P/FCF LTM | x | 8.72 | 7.26 | ||||||
| EV/EBITDA LTM | x | 10.28 | 9.25 | ||||||
| EV/Sales LTM | x | 3.13 | 4.08 | ||||||
| Earnings Yield LTM | % | +8.31% | +7.00% | ||||||
| FCF Yield | % | +11.47% | +13.77% | ||||||
| Quality | |||||||||
| ROE | % | +8.96% | +10.39% | ||||||
| ROIC | % | -45.50% | +1.38% | ||||||
| Operating margin | % | +27.90% | +29.60% | ||||||
| Gross margin | % | +78.14% | +79.79% | ||||||
| FCF/Sales | % | +29.66% | +32.90% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -13.37% | -6.95% | ||||||
| Sales Growth YoY | % | +19.60% | +26.59% | ||||||
| Net Income Growth YoY | % | -5.81% | +8.40% | ||||||
| FCF Growth | % | -2.47% | +17.13% | ||||||
| Operating Profit Growth | % | -1.95% | +12.65% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.19% | +1.08% | ||||||
| Dividend Growth | % | +19.05% | +33.33% | ||||||
| Payout Ratio | % | +14.13% | +15.30% | ||||||
| FCF/Debt | x | 0.35 | 0.30 | ||||||
| Net Debt/EBITDA | x | 1.78 | 3.14 | ||||||
| EBIT/Net interest | x | 1.78 | 1.68 | ||||||
| Net debt/market cap | % | +33.00% | +35.17% | ||||||
| Net debt/Equity | x | 0.16 | 0.47 | ||||||
| Gross debt/equity | x | 0.38 | 0.52 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Old Second Bancorp, Inc. (OSBC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
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