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Friday 6 November 2026
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Old Second Bancorp, Inc.
OSBC Financial Banks Regional
Old Second Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $401.5 million, up 17.5% from fiscal 2024.
- Revenue
- −1.73%
- EPS
- +200.0%
- Free cash flow
- +282.3%
- Total debt
- −17.4%
Quarter to September 2026, against a year earlier
24.38
0.03
+0.12%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.57 | 25.94 | 11.40 | 10.20 | 10.74 | 17.25 | 10.69 | 7.48 | 9.36 | 11.68 |
Piotroski F-Score |
7 | 6 | 6 | 7 | 6 | 5 | 8 | 7 | 5 | 6 |
P/S ratio |
3.16 | 3.45 | 2.78 | 2.66 | 2.11 | 2.63 | 2.77 | 2.10 | 2.33 | 2.37 |
P/FCF ratio |
12.74 | 11.29 | 7.29 | 8.34 | 13.56 | 13.11 | 6.76 | 6.31 | 6.60 | 7.94 |
P/Operating CF |
31.99 | 47.56 | 26.00 | 26.68 | 32.41 | (19.29) | 19.28 | 23.55 | 33.22 | 21.54 |
P/B ratio |
1.84 | 2.03 | 1.69 | 1.45 | 0.97 | 0.76 | 1.56 | 1.19 | 1.19 | 1.06 |
Price to Tangible BV |
2.02 | 2.21 | 1.93 | 1.61 | 1.06 | 0.97 | 2.05 | 1.46 | 1.46 | 1.30 |
EV/Sales |
3.69 | 3.84 | 3.23 | 3.04 | 0.44 | (1.55) | 2.86 | 2.05 | 2.29 | 2.31 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.80 | 12.21 | 8.17 | 8.75 | 2.42 | (7.19) | 7.62 | 5.75 | 5.95 | 7.60 |
EV/FCF |
14.89 | 12.56 | 8.46 | 9.54 | 2.85 | (7.69) | 6.98 | 6.17 | 6.48 | 7.74 |
Quick Ratio |
0.02 | 0.03 | 0.02 | 0.02 | 0.13 | 0.14 | 0.02 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.77 | 0.80 | 0.84 | 0.88 | 0.90 | 0.75 | 0.75 | 0.82 | 0.84 | 0.91 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
4.51% | 4.27% | 4.38% | 4.12% | 3.08% | 2.39% | 2.35% | 1.49% | 1.51% | 1.45% |
Debt/Equity |
0.58 | 0.51 | 0.51 | 0.39 | 0.30 | 0.30 | 0.30 | 0.15 | 0.13 | 0.11 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.03 | 0.04 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.74 | 2.45 | 1.61 | 1.33 | 0.93 | 1.55 | 1.44 | 1.27 | 1.54 | 1.52 |
Capex/Depreciation |
(1.78) | (0.34) | (0.45) | (0.88) | (0.83) | (0.38) | 2.16 | (1.16) | (0.97) | (0.24) |
| 9.47% | 8.06% | 15.84% | 15.57% | 9.51% | 4.95% | 14.00% | 17.67% | 13.66% | 10.24% | |
| 0.72% | 0.65% | 1.34% | 1.49% | 0.98% | 0.43% | 1.11% | 1.58% | 1.50% | 1.28% | |
ROIC |
6.67% | 8.71% | 9.43% | 9.65% | 33.06% | 0.00% | 11.81% | 13.83% | 10.75% | 7.72% |
Return on Tangible Assets |
(3.84%) | (4.09%) | (10.18%) | (18.36%) | (12.94%) | (1.55%) | (5.50%) | (11.15%) | (12.19%) | (18.22%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
66.20% | 60.11% | 56.10% | 52.95% | 64.46% | 74.41% | 59.75% | 48.82% | 49.76% | 56.54% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.64% | 1.00% | 1.62% | 1.66% | 1.47% | 0.99% | 1.14% | 1.10% | 1.15% | 1.38% |
Graham Net Nets |
(1.74) | (1.28) | (1.32) | (0.98) | (1.30) | (4.15) | (2.08) | (1.53) | (1.18) | (0.73) |
Graham Number |
8.41 | 8.98 | 14.06 | 16.62 | 14.81 | 16.52 | 18.76 | 24.42 | 25.30 | 26.26 |
Earnings Yield |
4.86% | 3.85% | 8.77% | 9.80% | 9.31% | 5.80% | 9.36% | 13.37% | 10.69% | 8.56% |
Free Cash Flow Yield |
7.85% | 8.86% | 13.72% | 11.99% | 7.38% | 7.63% | 14.80% | 15.86% | 15.15% | 12.59% |
Revenue per Share |
3.45 | 3.98 | 4.67 | 5.06 | 4.78 | 4.78 | 5.83 | 7.30 | 7.62 | 8.22 |
Operating CF per Share |
0.92 | 1.25 | 1.85 | 1.76 | 0.88 | 1.03 | 2.19 | 2.61 | 2.93 | 2.50 |
Capex per Share |
(0.07) | (0.04) | (0.06) | (0.15) | (0.13) | (0.07) | 0.20 | (0.18) | (0.24) | (0.05) |
Free Cash Flow per Share |
0.86 | 1.22 | 1.78 | 1.62 | 0.74 | 0.96 | 2.39 | 2.43 | 2.69 | 2.46 |
Cash per Share |
1.60 | 1.89 | 1.86 | 1.69 | 11.14 | 24.90 | 2.59 | 2.24 | 2.22 | 2.54 |
Shareholders Equity per Share |
5.93 | 6.77 | 7.71 | 9.30 | 10.37 | 16.62 | 10.36 | 12.93 | 14.97 | 18.35 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
5.93 | 6.77 | 7.71 | 9.30 | 10.37 | 16.62 | 10.36 | 12.93 | 14.97 | 18.35 |
Free Cash Flow |
25.27 | 36.06 | 53.01 | 48.29 | 22.07 | 29.01 | 106.36 | 108.57 | 120.75 | 120.01 |
Working Capital |
(447.60) | (407.78) | (376.56) | (259.23) | (260.54) | (1,383.20) | (1,297.08) | (902.06) | (786.79) | (527.34) |
Capital Expenditures |
(1.99) | (1.04) | (1.89) | (4.34) | (3.92) | (2.03) | 9.01 | (7.83) | (10.79) | (2.26) |
Net Current Asset Value |
(561.07) | (523.02) | (510.68) | (392.96) | (390.24) | (1,576.79) | (1,491.38) | (1,045.36) | (939.74) | (698.41) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.01 | 0.01 | 0.03 | 0.03 | 0.01 | (0.03) | 0.02 | 0.03 | 0.01 |
Price to Operating Income |
12.74 | 11.87 | 8.80 | 7.76 | 8.00 | 13.65 | 7.85 | 5.50 | 7.06 | 8.85 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.03 | 0.08 | 0.10 | 0.11 | 0.10 | 0.06 | 0.06 | 0.08 | 0.13 | 0.11 |
Cash ROIC |
7.80% | 10.08% | 13.20% | 11.05% | 3.02% | 2.07% | 14.88% | 14.24% | 14.11% | 10.71% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
68,562.74 | 55,589.07 | 46,323.64 | 41,213.88 | 74,296.51 | 236,115.35 | 180,809.72 | 41,667.43 | 30,933.32 | 32,829.70 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,812.94 | 1,894.86 | 2,019.80 | 2,121.71 | 2,331.91 | 4,001.65 | 5,288.48 | 4,840.73 | 4,669.74 | 5,182.40 |
Average Assets |
2,164.11 | 2,317.31 | 2,529.72 | 2,655.77 | 2,838.19 | 4,626.51 | 6,050.25 | 5,805.56 | 5,686.09 | 6,276.03 |
Average Common Equity |
165.57 | 187.78 | 214.72 | 253.47 | 292.48 | 404.56 | 481.58 | 519.21 | 624.16 | 783.90 |
Columns are period end dates · fundamentals updated 4 Nov 2026