Old Second Bancorp, Inc.
General ticker "OSBC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $800.7M (TTM average)
Old Second Bancorp, Inc. follows the US Stock Market performance with the rate: 68.2%.
Estimated limits based on current volatility of 1.7%: low 19.49$, high 20.14$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-01-30, amount 0.07$ (Y1.42%)
- Total employees count: 877 (+5.2%) as of 2024
- 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
- Earnings for 12 months up through Q4 are close to 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [14.69$, 19.25$]
- 2025-12-31 to 2026-12-31 estimated range: [15.33$, 20.18$]
Financial Metrics affecting the OSBC estimates:
- Positive: with PPE of 9.4 at the end of fiscal year the price was neutral
- Positive: Operating cash flow per share per price, % of 16.53 > 12.96
- Positive: Operating profit margin, % of 33.60 > 18.38
- Negative: Shareholder equity ratio, % of 11.88 <= 19.40
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Positive: Industry operating profit margin (median), % of 20.70 > 9.59
- Negative: -0.16 < Industry inventory ratio change (median), % of 0
Short-term OSBC quotes
Long-term OSBC plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $255.24MM | $321.03MM | $336.17MM |
| Operating Expenses | $163.69MM | $196.62MM | $223.21MM |
| Operating Income | $91.55MM | $124.41MM | $112.96MM |
| Interest Expense | $10.32MM | $40.04MM | $56.27MM |
| Income(Loss) | $91.55MM | $124.41MM | $112.96MM |
| Taxes | $24.14MM | $32.68MM | $27.69MM |
| Profit(Loss)* | $67.41MM | $91.73MM | $85.26MM |
| Stockholders Equity | $461.14MM | $577.28MM | $671.03MM |
| Assets | $5,888.32MM | $5,722.80MM | $5,649.38MM |
| Operating Cash Flow | $97.34MM | $116.40MM | $131.53MM |
| Capital expenditure | $4.33MM | $12.38MM | $10.79MM |
| Investing Cash Flow | $-432.78MM | $161.56MM | $322.70MM |
| Financing Cash Flow | $-301.50MM | $-292.99MM | $-455.05MM |
| Earnings Per Share** | $1.51 | $2.05 | $1.90 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.