Old Second Bancorp, Inc.
General ticker "OSBC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.1B (TTM average)
Old Second Bancorp, Inc. follows the US Stock Market performance with the rate: 55.8%.
Estimated limits based on current volatility of 1.1%: low 24.65$, high 25.19$
Factors to consider:
- Earnings expected soon, date: 2026-10-21 amc
- Company pays dividends (quarterly): last record date 2026-07-31, amount 0.07$ (Y1.13%)
- Total employees count: 1062 (+21.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Market volatility, Inflationary pressures, Reputation and brand risks
- Current price 14.9% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [16.92$, 21.66$]
- 2026-12-31 to 2027-12-31 estimated range: [17.48$, 22.50$]
Financial Metrics affecting the OSBC estimates:
- Positive: with PPE of 11.7 at the end of fiscal year the price was neutral
- Positive: 22.58 < Operating profit margin, % of 31.76
- Positive: 11.37 < Operating cash flow per share per price, % of 11.64
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: 4.56 < Interest expense per share per price, % of 5.90
- Negative: 0 < Industry inventory ratio change (median), % of 0
- Positive: 12.78 < Shareholder equity ratio, % of 12.99 <= 25.20
- Negative: Return on assets ratio (scaled to [-100,100]) of 1.15 <= 1.88
Short-term OSBC quotes
Long-term OSBC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $287.54MM | $286.18MM | $339.27MM |
| Operating Expenses | $163.13MM | $173.22MM | $231.51MM |
| Operating Income | $124.41MM | $112.96MM | $107.75MM |
| Interest Expense | $40.04MM | $56.27MM | $61.90MM |
| Income(Loss) | $124.41MM | $112.96MM | $107.75MM |
| Taxes | $32.68MM | $27.69MM | $27.44MM |
| Net Income(Loss)* | $91.73MM | $85.26MM | $80.31MM |
| Stockholders Equity | $577.28MM | $671.03MM | $896.77MM |
| Assets | $5,722.80MM | $5,649.38MM | $6,902.68MM |
| Operating Cash Flow | $116.40MM | $131.53MM | $122.26MM |
| Capital expenditure | $12.38MM | $10.79MM | $4.50MM |
| Investing Cash Flow | $161.56MM | $322.70MM | $159.82MM |
| Financing Cash Flow | $-292.99MM | $-455.05MM | $-257.39MM |
| Earnings Per Share** | $2.05 | $1.90 | $1.52 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.