Saturday 17 October 2026
Export OSBC’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 32.9%, EPS grew 12.2%, free cash flow fell 31.2% and total debt fell 17.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.
24.88
0.03
+0.12%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.68 | 9.36 | 7.48 | 10.69 | 17.25 | 10.74 | 10.20 | 11.40 | 25.94 | 20.57 |
Piotroski F-Score |
6 | 5 | 7 | 8 | 5 | 6 | 7 | 6 | 6 | 7 |
P/S ratio |
2.37 | 2.33 | 2.10 | 2.77 | 2.63 | 2.11 | 2.66 | 2.78 | 3.45 | 3.16 |
P/FCF ratio |
7.94 | 6.60 | 6.31 | 6.76 | 13.11 | 13.56 | 8.34 | 7.29 | 11.29 | 12.74 |
P/Operating CF |
21.54 | 33.22 | 23.55 | 19.28 | (19.29) | 32.41 | 26.68 | 26.00 | 47.56 | 31.99 |
P/B ratio |
1.06 | 1.19 | 1.19 | 1.56 | 0.76 | 0.97 | 1.45 | 1.69 | 2.03 | 1.84 |
Price to Tangible BV |
1.30 | 1.46 | 1.46 | 2.05 | 0.97 | 1.06 | 1.61 | 1.93 | 2.21 | 2.02 |
EV/Sales |
2.31 | 2.29 | 2.05 | 2.86 | (1.55) | 0.44 | 3.04 | 3.23 | 3.84 | 3.69 |
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 |
7.60 | 5.95 | 5.75 | 7.62 | (7.19) | 2.42 | 8.75 | 8.17 | 12.21 | 13.80 |
EV/FCF |
7.74 | 6.48 | 6.17 | 6.98 | (7.69) | 2.85 | 9.54 | 8.46 | 12.56 | 14.89 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.02 | 0.14 | 0.13 | 0.02 | 0.02 | 0.03 | 0.02 |
Current Ratio |
0.91 | 0.84 | 0.82 | 0.75 | 0.75 | 0.90 | 0.88 | 0.84 | 0.80 | 0.77 |
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 |
1.45% | 1.51% | 1.49% | 2.35% | 2.39% | 3.08% | 4.12% | 4.38% | 4.27% | 4.51% |
Debt/Equity |
0.11 | 0.13 | 0.15 | 0.30 | 0.30 | 0.30 | 0.39 | 0.51 | 0.51 | 0.58 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.04 | 0.03 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.52 | 1.54 | 1.27 | 1.44 | 1.55 | 0.93 | 1.33 | 1.61 | 2.45 | 1.74 |
Capex/Depreciation |
(0.24) | (0.97) | (1.16) | 2.16 | (0.38) | (0.83) | (0.88) | (0.45) | (0.34) | (1.78) |
| 10.24% | 13.66% | 17.67% | 14.00% | 4.95% | 9.51% | 15.57% | 15.84% | 8.06% | 9.47% | |
| 1.28% | 1.50% | 1.58% | 1.11% | 0.43% | 0.98% | 1.49% | 1.34% | 0.65% | 0.72% | |
ROIC |
7.72% | 10.75% | 13.83% | 11.81% | 0.00% | 33.06% | 9.65% | 9.43% | 8.71% | 6.67% |
Return on Tangible Assets |
(18.22%) | (12.19%) | (11.15%) | (5.50%) | (1.55%) | (12.94%) | (18.36%) | (10.18%) | (4.09%) | (3.84%) |
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 |
56.54% | 49.76% | 48.82% | 59.75% | 74.41% | 64.46% | 52.95% | 56.10% | 60.11% | 66.20% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
1.38% | 1.15% | 1.10% | 1.14% | 0.99% | 1.47% | 1.66% | 1.62% | 1.00% | 0.64% |
Graham Net Nets |
(0.73) | (1.18) | (1.53) | (2.08) | (4.15) | (1.30) | (0.98) | (1.32) | (1.28) | (1.74) |
Graham Number |
26.26 | 25.30 | 24.42 | 18.76 | 16.52 | 14.81 | 16.62 | 14.06 | 8.98 | 8.41 |
Earnings Yield |
8.56% | 10.69% | 13.37% | 9.36% | 5.80% | 9.31% | 9.80% | 8.77% | 3.85% | 4.86% |
Free Cash Flow Yield |
12.59% | 15.15% | 15.86% | 14.80% | 7.63% | 7.38% | 11.99% | 13.72% | 8.86% | 7.85% |
Revenue per Share |
8.22 | 7.62 | 7.30 | 5.83 | 4.78 | 4.78 | 5.06 | 4.67 | 3.98 | 3.45 |
Operating CF per Share |
2.50 | 2.93 | 2.61 | 2.19 | 1.03 | 0.88 | 1.76 | 1.85 | 1.25 | 0.92 |
Capex per Share |
(0.05) | (0.24) | (0.18) | 0.20 | (0.07) | (0.13) | (0.15) | (0.06) | (0.04) | (0.07) |
Free Cash Flow per Share |
2.46 | 2.69 | 2.43 | 2.39 | 0.96 | 0.74 | 1.62 | 1.78 | 1.22 | 0.86 |
Cash per Share |
2.54 | 2.22 | 2.24 | 2.59 | 24.90 | 11.14 | 1.69 | 1.86 | 1.89 | 1.60 |
Shareholders Equity per Share |
18.35 | 14.97 | 12.93 | 10.36 | 16.62 | 10.37 | 9.30 | 7.71 | 6.77 | 5.93 |
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 |
18.35 | 14.97 | 12.93 | 10.36 | 16.62 | 10.37 | 9.30 | 7.71 | 6.77 | 5.93 |
Free Cash Flow |
120.01 | 120.75 | 108.57 | 106.36 | 29.01 | 22.07 | 48.29 | 53.01 | 36.06 | 25.27 |
Working Capital |
(527.34) | (786.79) | (902.06) | (1,297.08) | (1,383.20) | (260.54) | (259.23) | (376.56) | (407.78) | (447.60) |
Capital Expenditures |
(2.26) | (10.79) | (7.83) | 9.01 | (2.03) | (3.92) | (4.34) | (1.89) | (1.04) | (1.99) |
Net Current Asset Value |
(698.41) | (939.74) | (1,045.36) | (1,491.38) | (1,576.79) | (390.24) | (392.96) | (510.68) | (523.02) | (561.07) |
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 |
0.01 | 0.03 | 0.02 | (0.03) | 0.01 | 0.03 | 0.03 | 0.01 | 0.01 | 0.02 |
Price to Operating Income |
8.85 | 7.06 | 5.50 | 7.85 | 13.65 | 8.00 | 7.76 | 8.80 | 11.87 | 12.74 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.11 | 0.13 | 0.08 | 0.06 | 0.06 | 0.10 | 0.11 | 0.10 | 0.08 | 0.03 |
Cash ROIC |
10.71% | 14.11% | 14.24% | 14.88% | 2.07% | 3.02% | 11.05% | 13.20% | 10.08% | 7.80% |
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 | 0.00 | 0.00 | 0.01 | 0.01 | 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 |
32,829.70 | 30,933.32 | 41,667.43 | 180,809.72 | 236,115.35 | 74,296.51 | 41,213.88 | 46,323.64 | 55,589.07 | 68,562.74 |
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 |
5,182.40 | 4,669.74 | 4,840.73 | 5,288.48 | 4,001.65 | 2,331.91 | 2,121.71 | 2,019.80 | 1,894.86 | 1,812.94 |
Average Assets |
6,276.03 | 5,686.09 | 5,805.56 | 6,050.25 | 4,626.51 | 2,838.19 | 2,655.77 | 2,529.72 | 2,317.31 | 2,164.11 |
Average Common Equity |
783.90 | 624.16 | 519.21 | 481.58 | 404.56 | 292.48 | 253.47 | 214.72 | 187.78 | 165.57 |
Columns are period end dates