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Old Second Bancorp Inc

Old Second Bancorp Inc

OSBC · NASDAQ · Financial Services / Banks - Regional

25.10USD-0.01 (-0.04%)

Price History

Full chart

Market Stats

Previous Close25.11
Open25.12
Day Range24.95 – 25.47
52-Week Range16.43 – 26.06
Volume479.40K
Market Cap1.27B
P/E (TTM)14.42
Forward P/E8.60
EPS1.73
Dividend Yield1.12%
Beta0.70
50-Day Avg25.11
200-Day Avg21.90

About

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James L. Eccher
  • Employees1.06K
  • Headquarters37 South River Street, Aurora, IL, United States, 60507, USA
  • Websitehttps://www.oldsecond.com

Leadership

  • Mr. James L. EccherPresident, CEO & Chairman of the Board · b. 1965
  • Mr. Bradley S. AdamsExecutive VP, COO & CFO · b. 1974
  • Mr. Darin P. CampbellDirector, EVP & President, Nat'l Specialty Lending, President, FreedomRoad Fin. & Performance Fin. · b. 1966
  • Mr. Donald J. PilmerExecutive VP & Chief Lending Officer · b. 1965
  • Ms. Shirley CantrellShareholder Relations Manager · b. 1962

Financials

Income Statement

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue46.80M48.90M59.40M73.70M79.20M88.50M85.55M93.71M107.09M110.77M117.07M123.31M148.37M170.74M187.60M193.19M175.70M151.59M120.01M110.75M98.78M95.75M97.06M100.50M116.54M136.99M149.44M139.51M141.89M255.24M321.03M336.17M396.97M
Growth (%)-+4.49%+21.47%+24.07%+7.46%+11.74%-3.34%+9.54%+14.28%+3.43%+5.69%+5.33%+20.32%+15.07%+9.87%+2.98%-9.05%-13.72%-20.84%-7.71%-10.81%-3.07%+1.37%+3.54%+15.96%+17.55%+9.09%-6.65%+1.71%+79.89%+25.77%+4.72%+18.09%
Cost of Revenue18.30M17.30M24.40M28.50M32.40M33.40M30.08M37.20M39.13M31.81M28.72M26.14M46.58M72.07M88.33M98.73M142.23M117.74M30.36M22.02M5.24M7.68M4.68M10.69M14.43M17.91M20.43M22.88M12.78M16.87M56.54M69.02M86.77M
Gross Profit28.50M31.60M35.00M45.20M46.80M55.10M55.46M56.51M67.96M78.95M88.35M97.17M101.80M98.66M99.27M94.46M33.47M33.85M89.65M88.73M93.55M88.07M92.39M89.81M102.11M119.08M129.00M116.63M129.11M238.37M264.49M267.15M310.20M
Gross Margin60.90%64.62%58.92%61.33%59.09%62.26%64.83%60.31%63.46%71.28%75.47%78.80%68.61%57.79%52.91%48.90%19.05%22.33%74.70%80.12%94.70%91.97%95.18%89.37%87.62%86.93%86.33%83.60%91.00%93.39%82.39%79.47%78.14%
Operating Expense20.20M21.60M22.90M33.30M33.20M39.10M37.28M37.09M41.48M48.06M54.17M57.61M60.50M65.14M66.47M80.31M144.63M100.64M96.14M88.81M81.70M72.17M68.03M65.31M67.81M75.14M77.15M79.22M101.24M146.82M140.08M154.19M199.44M
Operating Income8.30M10.00M12.10M11.90M13.60M16.00M18.19M19.43M26.49M30.90M34.18M39.56M41.30M33.53M32.79M14.15M-111.16M-66.78M-6.50M-72.00K11.84M15.90M24.36M24.50M34.30M43.94M51.86M37.41M27.87M91.55M124.41M112.96M110.75M
Operating Margin17.74%20.45%20.37%16.15%17.17%18.08%21.26%20.73%24.73%27.89%29.19%32.09%27.83%19.64%17.48%7.32%-63.27%-44.05%-5.41%-0.07%11.99%16.60%25.10%24.38%29.43%32.07%34.70%26.81%19.64%35.87%38.75%33.60%27.90%
EBITDA10.70M11.20M14.30M15.40M15.50M21.00M20.66M22.36M29.82M33.43M41.45M46.69M48.88M41.06M39.37M21.32M-104.51M-60.96M-1.57M4.40M16.74M19.56M26.75M26.81M36.70M46.75M54.86M40.70M31.66M98.43M132.11M122.12M120.83M
EBITDA Margin22.86%22.90%24.07%20.90%19.57%23.73%24.15%23.86%27.85%30.18%35.40%37.86%32.95%24.05%20.99%11.04%-59.48%-40.21%-1.31%3.98%16.94%20.43%27.56%26.67%31.50%34.12%36.71%29.17%22.32%38.57%41.15%36.33%30.44%
Net Income6.60M7.30M8.80M8.30M9.60M11.00M12.41M13.47M17.22M20.15M22.11M26.29M27.68M23.66M23.97M11.82M-65.59M-108.65M-6.50M-72.00K82.08M10.14M15.38M15.68M15.14M34.01M39.45M27.82M20.04M67.41M91.73M85.26M80.31M
Net Income Margin14.10%14.93%14.81%11.26%12.12%12.43%14.50%14.38%16.08%18.19%18.88%21.32%18.66%13.86%12.78%6.12%-37.33%-71.67%-5.41%-0.07%83.10%10.59%15.85%15.61%12.99%24.83%26.40%19.95%14.13%26.41%28.57%25.36%20.23%
R&D------------------00000000-------
R&D as % of Total Revenue------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense17.00M17.20M24.10M27.80M31.10M32.20M29.15M35.82M35.29M28.01M25.47M29.04M46.22M70.83M87.14M68.41M45.51M28.07M21.47M15.73M13.79M10.98M9.08M9.94M12.63M16.68M18.84M12.46M8.45M10.32M40.04M56.27M62.22M
Interest Expense % of Total Revenue36.32%35.17%40.57%37.72%39.27%36.38%34.08%38.22%32.95%25.29%21.75%23.55%31.15%41.49%46.45%35.41%25.90%18.52%17.89%14.21%13.96%11.47%9.35%9.89%10.83%12.18%12.60%8.93%5.96%4.04%12.47%16.74%15.67%

Balance Sheet

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets624.40M667.70M760.70M827.80M948.40M1.01B998.51M1.15B1.33B1.61B1.84B2.10B2.37B2.46B2.66B2.98B2.60B2.12B1.94B2.05B2.00B2.06B2.08B2.25B2.38B2.68B2.64B3.04B6.21B5.89B5.72B5.65B6.90B
Total Liabilities566.00M609.50M685.30M746.40M856.30M912.40M894.75M1.04B1.21B1.48B1.72B1.97B2.22B2.30B2.51B2.79B2.40B2.04B1.87B1.97B1.86B1.87B1.92B2.08B2.18B2.45B2.36B93.54M148.54M5.43B5.15B4.98B6.01B
Total Equity58.40M58.20M75.40M81.40M92.10M101.90M103.76M112.96M124.95M133.08M116.99M134.99M152.26M158.56M149.89M193.10M197.21M83.96M74.00M72.55M147.69M194.16M155.93M175.21M200.35M229.08M277.86M2.95B6.06B461.14M577.28M671.03M896.77M
Cash64.10M75.60M85.20M78.70M87.00M92.20M69.28M48.30M40.75M49.71M55.17M58.66M65.11M86.22M61.21M66.91M78.25M98.08M50.95M128.51M47.66M44.20M40.34M47.33M55.83M55.23M50.63M329.90M752.11M115.18M100.14M99.33M124.03M
Total Debt10.80M9.60M9.20M6.20M55.10M73.30M37.08M27.16M97.07M68.64M184.61M155.35M264.27M213.36M377.20M348.01M177.25M110.04M103.88M221.75M131.44M169.91M152.11M197.30M246.62M313.36M205.87M116.93M167.61M260.81M516.63M141.90M338.92M
Net Debt-53.30M-66.00M-76.00M-72.50M-31.90M-18.90M-32.20M-21.14M56.33M18.93M129.44M96.69M199.16M127.14M316.00M281.10M99.00M11.96M53.83M93.25M83.78M125.72M111.78M149.97M190.78M258.12M155.24M-236.36M-603.57M145.63M416.48M42.57M214.90M

Cash Flow

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow9.10M16.20M11.20M32.20M-3.80M8.00M39.95M13.59M-459.00K13.10M63.20M10.06M31.07M38.16M13.88M41.69M30.68M69.18M29.30M43.30M35.26M-6.31M21.14M27.25M37.10M54.91M52.64M25.99M31.05M97.34M116.40M131.53M122.26M
Investing Cash Flow-46.00M-45.80M-39.80M-74.20M-34.40M-55.50M-42.98M-156.76M-171.35M-239.62M-294.74M-244.56M-264.16M-71.74M-214.58M28.12M284.11M317.94M95.94M-59.09M9.58M-66.13M-32.20M-123.07M-132.49M-25.84M42.21M-103.81M132.92M-432.78M161.56M322.70M159.82M
Financing Cash Flow37.40M41.10M35.10M36.10M44.20M52.70M-19.84M130.48M155.98M258.84M213.64M238.00M239.55M56.99M176.91M-61.34M-308.21M-368.16M-173.05M93.35M-125.68M68.98M7.20M102.81M103.88M-29.66M-99.45M357.09M258.24M-301.50M-292.99M-455.05M-257.39M
Capital Expenditure1.00M1.30M1.50M2.00M3.30M2.30M1.73M3.33M4.12M7.55M5.92M6.24M9.79M9.92M6.51M6.10M1.08M927.00K800.00K1.05M1.80M1.10M1.28M1.99M1.05M1.90M4.38M3.92M2.03M4.33M12.38M10.79M4.50M
Free Cash Flow8.10M14.90M9.70M30.20M-7.10M5.70M38.22M10.25M-4.58M5.54M57.29M3.82M21.28M28.25M7.37M35.59M29.60M68.25M28.50M42.25M33.46M-7.40M19.86M25.27M36.05M53.01M48.26M22.07M29.01M93.01M104.03M120.75M117.76M
Dividends Paid1.90M1.70M2.00M2.50M2.70M2.90M3.35M3.55M4.05M5.23M5.64M5.90M6.74M7.23M7.29M8.26M6.48M3.16M00012.39M2.42M888.00K1.18M1.19M1.20M1.19M4.61M8.88M8.95M9.41M12.24M
FCF to OCF89.01%91.98%86.61%93.79%186.84%71.25%95.67%75.46%998.26%42.33%90.64%37.98%68.48%74.02%53.12%85.37%96.47%98.66%97.27%97.58%94.90%117.39%93.94%92.71%97.16%96.55%91.68%84.91%93.45%95.55%89.37%91.80%96.32%
Dividend Paid to FCF23.46%11.41%20.62%8.28%-38.03%50.88%8.76%34.58%-88.32%94.37%9.84%154.40%31.68%25.60%98.92%23.21%21.90%4.63%0.00%0.00%0.00%-167.34%12.17%3.51%3.28%2.24%2.48%5.37%15.90%9.54%8.60%7.80%10.39%

Earnings

Report DateApr 9, 1996Aug 1, 1996Dec 27, 1996Mar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Oct 12, 2001Jan 25, 2002Apr 12, 2002Jun 30, 2002Nov 27, 2002Feb 26, 2003Apr 16, 2003Jul 16, 2003Oct 17, 2003Jan 16, 2004Apr 16, 2004Jul 19, 2004Oct 15, 2004Jan 23, 2005Apr 22, 2005Jul 22, 2005Oct 21, 2005Jan 20, 2006Apr 21, 2006Jul 21, 2006Oct 20, 2006Jan 19, 2007Apr 20, 2007Jul 20, 2007Oct 18, 2007Jan 25, 2008Apr 25, 2008Jul 18, 2008Oct 24, 2008Jan 23, 2009Apr 24, 2009Jul 24, 2009Oct 23, 2009Jan 27, 2010Apr 26, 2010Jul 22, 2010Oct 27, 2010Feb 2, 2011Apr 27, 2011Jul 27, 2011Oct 26, 2011Jan 25, 2012Apr 25, 2012Jul 25, 2012Oct 24, 2012Jan 23, 2013Apr 24, 2013Jul 24, 2013Oct 23, 2013Jan 22, 2014Apr 23, 2014Jul 23, 2014Oct 22, 2014Jan 21, 2015Apr 22, 2015Jul 22, 2015Oct 21, 2015Jan 20, 2016Apr 20, 2016Jul 26, 2016Oct 19, 2016Jan 25, 2017May 8, 2017Jul 26, 2017Oct 18, 2017Jan 24, 2018Apr 25, 2018Jul 25, 2018Oct 24, 2018Jan 23, 2019Apr 24, 2019Jul 24, 2019Oct 23, 2019Jan 22, 2020Apr 22, 2020Jul 22, 2020Oct 21, 2020Jan 27, 2021Apr 21, 2021Jul 21, 2021Oct 20, 2021Jan 26, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 24, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 22, 2025Apr 23, 2025Jul 23, 2025Oct 22, 2025Jan 21, 2026Apr 22, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate0.150.140.15------------0.270.300.33------0.370.400.410.470.480.480.480.510.520.510.510.470.420.400.450.490.450.460.470.490.230.01-0.10-0.11-0.22-0.18-0.33-0.32-0.32-0.58-0.44-0.10-0.11-0.15-0.13--0.030.010.030.050.030.060.060.050.050.070.080.120.140.120.130.140.140.140.180.190.210.230.250.300.300.300.310.310.300.220.150.230.270.260.310.270.130.240.350.390.490.540.530.530.530.470.470.470.490.450.480.510.540.510.540.58
EPS Actual0.130.160.150.160.170.170.180.190.190.220.220.210.210.230.280.300.310.330.320.350.340.350.380.430.410.450.390.460.620.460.480.520.570.450.460.370.410.430.450.490.520.450.530.300.120.01-1.730.03-0.34-0.69-1.74-0.26-5.48-0.30-0.01-0.18-0.30-0.300.00-0.080.020.300.070.11-0.080.040.020.060.060.090.120.120.130.110.130.120.170.150.180.220.230.270.290.320.290.280.310.310.290.080.320.350.300.370.330.300.360.320.240.420.530.520.560.550.420.470.460.510.440.450.500.530.580.490.55-
Surprise-13.33%14.29%0.00%------------11.11%3.33%0.00%------10.81%12.50%-4.88%-2.13%29.17%-4.17%0.00%1.96%9.62%-11.76%-9.80%-21.28%-2.38%7.50%0.00%0.00%15.56%-2.17%12.77%-38.78%-47.83%0.00%-1630.00%127.27%-54.55%-283.33%-427.27%18.75%-1612.50%48.28%97.73%-80.00%-172.73%-100.00%100.77%-166.67%2900.00%133.33%120.00%-366.67%-33.33%-66.67%20.00%20.00%28.57%50.00%0.00%-7.14%-8.33%0.00%-14.29%21.43%7.14%0.00%15.79%9.52%17.39%16.00%6.67%-3.33%-6.67%0.00%0.00%-3.33%-63.64%113.33%52.17%11.11%42.31%6.45%11.11%176.92%33.33%-31.43%7.69%8.16%-3.70%5.66%3.77%-20.75%0.00%-2.13%8.51%-10.20%0.00%4.17%3.92%7.41%-3.92%1.85%-
Timing-----------------After-hours----------After-hours-----Pre-market-Pre-marketPre-market-After-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap1.27B
Enterprise Value1.59B
Trailing P/E14.42
Forward P/E8.60
PEG Ratio1.51
Price / Sales3.72
Price / Book1.38
EPS1.73
Book Value17.72
Revenue (TTM)341.37M
Gross Profit (TTM)341.37M
Profit Margin27.07%
Operating Margin44.69%
Return on Equity11.40%
Return on Assets1.47%
Shares Outstanding50.88M
Shares Float49.18M
Beta0.70
Dividend Yield1.12%
Dividend Rate0.28
Payout Ratio13.02%

Analyst Ratings

Buy
Based on 6 analystsTarget 27.50
  • Strong Buy
    3
  • Buy
    2
  • Hold
    1

Ownership Breakdown

Institutions
78.85%
Insiders
4.33%
Retail / Other
16.82%

Top Institutional Holders

  • BlackRock Inc
    4.13M8.11%
  • Dimensional Fund Advisors, Inc.
    2.50M4.91%
  • Vanguard Capital Management, LLC
    2.25M4.43%
  • Davis Asset Management, L.P.
    1.80M3.54%
  • American Century Companies Inc
    1.78M3.51%
  • The Goldman Sachs Group Inc
    1.69M3.32%
  • State Street Corp
    1.60M3.14%
  • FJ Capital Management LLC
    1.46M2.87%
  • Boston Partners Global Investors, Inc
    1.42M2.78%
  • Geode Capital Management, LLC
    1.28M2.52%
  • Kennedy Capital Management Inc
    1.24M2.43%
  • Banc Funds Co LLC
    1.03M2.02%
  • Manufacturers Life Insurance Co
    878.67K1.73%
  • Stieven Capital Advisors, L.p.
    815.33K1.60%
  • River Street Advisors LLC
    779.01K1.53%
  • Northern Trust Corp
    764.34K1.50%
  • Vanguard Portfolio Management, LLC
    712.43K1.40%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    1.58M3.11%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.55M3.05%
  • iShares Russell 2000 ETF
    1.28M2.51%

Dividends

20264×
0.08Oct 30, 20260.07Jul 31, 20260.07May 1, 20260.07Jan 30, 2026
20254×
0.07Oct 31, 20250.06Jul 25, 20250.06Apr 25, 20250.06Jan 31, 2025
20244×
0.06Oct 25, 20240.05Jul 26, 20240.05Apr 25, 20240.05Jan 25, 2024
20234×
0.05Oct 26, 20230.05Jul 27, 20230.05Apr 27, 20230.05Jan 26, 2023
20224×
0.05Oct 27, 20220.05Jul 28, 20220.05Apr 28, 20220.05Jan 27, 2022
20214×
0.05Oct 28, 20210.05Jul 29, 20210.05Apr 29, 20210.01Jan 28, 2021

Stock Splits

  • Jul 29, 20042:1
  • Jun 25, 20024:3
  • May 18, 19992:1
  • Jun 18, 19965:4