Old Second Bancorp, Inc.
General ticker "OSBC" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $797.5M (TTM average)
Old Second Bancorp, Inc. follows the US Stock Market performance with the rate: 60.8%.
Estimated limits based on current volatility of 1.2%: low 19.16$, high 19.61$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-10-31, amount 0.07$ (Y1.43%)
- 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
- Price in estimated range
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [15.46$, 20.25$]
- 2025-12-31 to 2026-12-31 estimated range: [16.29$, 21.59$]
Financial Metrics affecting the OSBC estimates:
- Positive: with PPE of 9.4 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 33.60 > 18.64
- Positive: Operating cash flow per share per price, % of 16.57 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Investing cash flow per share per price, % of 40.66 > -0.66
- Negative: Shareholder equity ratio, % of 11.88 <= 18.93
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 1.49
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Negative: -0.15 < 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.