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Old Second Bancorp Inc (OSBC)
Price$21.79
Favorite Metrics
Price vs S&P 500 (26W)19.50%
Price vs S&P 500 (4W)2.58%
Market Capitalization$1.15B
P/E Ratio (Annual)14.36x
Indicated Dividend Yield (Annual)1.28%
All Metrics
P/CF (Annual)9.43x
Book Value / Share (Quarterly)$17.03
P/TBV (Annual)1.19x
Indicated Dividend (Annual)$0.24
Revenue Growth (3Y)23.26%
Cash Flow / Share (Quarterly)$2.24
Payout Ratio (TTM)15.24%
Price vs S&P 500 (YTD)7.81%
Net Profit Margin (TTM)33.58%
EPS (TTM)$1.63
10-Day Avg Trading Volume0.47M
EPS Excl Extra (TTM)$1.63
Revenue Growth (5Y)19.86%
EPS (Annual)$1.62
Dividend / Share (Annual)$0.25
ROI (Annual)7.87%
Net Profit Margin (5Y Avg)24.53%
Cash / Share (Quarterly)$1.24
P/E Basic Excl Extra (TTM)14.36x
Revenue Growth QoQ (YoY)27.96%
EPS Growth (5Y)11.93%
P/E Normalized (Annual)14.36x
ROA (Last FY)1.16%
Revenue Growth TTM (YoY)59.28%
EBITD / Share (TTM)$2.29
ROE (5Y Avg)11.23%
Operating Margin (TTM)45.41%
Cash Flow / Share (Annual)$2.24
P/B Ratio1.29x
P/B Ratio (Quarterly)1.15x
Net Income / Employee (Annual)$0
ROA (TTM)1.27%
EPS Growth QoQ (YoY)28.56%
EV / EBITDA (TTM)11.21x
EPS Incl Extra (Annual)$1.62
3-Month Avg Trading Volume0.36M
52-Week Price Return47.43%
EV / Free Cash Flow (Annual)10.84x
P/E Incl Extra (TTM)14.36x
Tangible BV / Share (Quarterly)$16.40
P/S Ratio (Annual)2.60x
52-Week High$22.43
EPS Excl Extra (Annual)$1.62
CapEx CAGR (5Y)2.82%
Tangible BV CAGR (5Y)25.09%
26-Week Price Return26.39%
13-Week Price Return3.81%
Total Debt / Equity (Annual)0.14x
Enterprise Value$1,276.795
Revenue / Share Growth (5Y)9.49%
Book Value / Share Growth (5Y)10.20%
Revenue / Employee (Annual)$291,546
Pretax Margin (Annual)36.73%
Cash / Share (Annual)$1.27
3-Month Return Std Dev27.18%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)23.16%
EBITDA Interim CAGR (5Y)27.55%
ROE (Last FY)8.96%
EPS Basic Excl Extra (Annual)$1.62
P/FCF (TTM)9.79x
EV / Free Cash Flow (TTM)10.84x
Total Debt / Equity (Quarterly)0.14x
EPS Incl Extra (TTM)$1.63
ROI (TTM)8.73%
Dividend Growth Rate (5Y)44.24%
P/S Ratio (TTM)2.24x
Pretax Margin (5Y Avg)32.83%
Revenue / Share (Annual)$5.51
Tangible BV / Share (Annual)$16.40
Forward P/E9.94x
Free OCF CAGR (5Y)39.78%
Price vs S&P 500 (52W)12.80%
P/E Ratio (TTM)14.36x
EPS Growth TTM (YoY)-12.63%
Year-to-Date Return11.74%
5-Day Price Return0.83%
EPS Normalized (Annual)$1.62
ROA (5Y Avg)1.15%
Net Profit Margin (Annual)27.04%
Month-to-Date Return8.09%
Cash Flow / Share (TTM)$2.29
EBITD / Share (Annual)$2.29
EPS Growth (3Y)2.73%
Operating Margin (Annual)36.73%
LT Debt / Equity (Annual)0.11x
P/CF (TTM)9.43x
ROI (5Y Avg)7.84%
P/E Excl Extra (TTM)14.36x
LT Debt / Equity (Quarterly)0.11x
EPS Basic Excl Extra (TTM)$1.63
P/TBV (Quarterly)1.19x
Payout Ratio (Annual)15.24%
P/B Ratio (Annual)1.15x
Dividend / Share (TTM)$0.25
Pretax Margin (TTM)45.41%
Book Value / Share (Annual)$17.03
Price vs S&P 500 (13W)1.43%
Net Margin Growth (5Y)2.95%
Dividend Yield (TTM)1.06%
Beta0.78x
P/FCF (Annual)9.79x
Revenue / Share (TTM)$6.38
ROE (TTM)10.11%
52-Week Low$14.30
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.25
4.18
4.17
4.17
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
OSBCOld Second Bancorp Inc | 1.15x | 10.11% | 1.27% | — | $21.79 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
About
Old Second Bancorp is a community bank holding company providing consumer and commercial banking services to individuals and small-to-medium businesses. The company offers deposit accounts, lending products including mortgages and business loans, and wealth management services. Revenue is generated primarily from interest income, fees, and commissions on banking and financial services.