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Old Second Bancorp (OSBC) Financials

Old Second Bancorp logo
$14.73 -0.05 (-0.34%)
As of 11:26 AM Eastern
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Annual Income Statements for Old Second Bancorp

Annual Income Statements for Old Second Bancorp

This table shows Old Second Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 67 92 85
Consolidated Net Income / (Loss)		 67 92 85
Net Income / (Loss) Continuing Operations		 67 92 85
Total Pre-Tax Income 		92 124 113
Total Revenue		 249 286 285
Net Interest Income / (Expense)		 206 252 242
Total Interest Income		 216 292 298
Loans and Leases Interest Income		 177 244 253
Investment Securities Interest Income		 38 45 42
Deposits and Money Market Investments Interest Income		 2.18 2.50 2.39
Total Interest Expense		 10 40 56
Deposits Interest Expense		 3.35 15 38
Short-Term Borrowings Interest Expense		 0.48 19 15
Long-Term Debt Interest Expense		 6.45 5.78 3.31
Federal Funds Purchased and Securities Sold Interest Expense		 0.04 0.09 0.34
Total Non-Interest Income		 43 34 44
Other Service Charges		 38 36 38
Net Realized & Unrealized Capital Gains on Investments		 1.08 -2.67 1.81
Other Non-Interest Income		 3.90 0.70 3.80
Provision for Credit Losses		 6.55 17 13
Total Non-Interest Expense		 151 145 160
Salaries and Employee Benefits		 87 89 98
Net Occupancy & Equipment Expense		 31 22 26
Marketing Expense		 0.59 0.72 1.24
Property & Liability Insurance Claims		 0.87 0.93 1.33
Other Operating Expenses		 30 31 31
Amortization Expense		 2.63 2.46 2.44
Income Tax Expense		 24 33 28
Basic Earnings per Share		 $1.51 $2.05 $1.90
Weighted Average Basic Shares Outstanding		 44.67M 44.80M 45.05M
Diluted Earnings per Share		 $1.49 $2.02 $1.87
Weighted Average Diluted Shares Outstanding		 44.67M 44.80M 45.05M
Weighted Average Basic & Diluted Shares Outstanding		 44.67M 44.80M 45.05M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.21

Quarterly Income Statements for Old Second Bancorp

This table shows Old Second Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 20 24 24 26 24 18 21 22 23 19
Consolidated Net Income / (Loss)		 20 24 24 26 24 18 21 22 23 19
Net Income / (Loss) Continuing Operations		 20 24 24 26 24 18 21 22 23 19
Total Pre-Tax Income 		27 32 32 35 32 25 29 29 30 25
Total Revenue		 67 73 71 72 73 70 70 71 71 73
Net Interest Income / (Expense)		 56 64 64 64 63 61 60 60 61 62
Total Interest Income		 58 68 70 74 74 74 73 73 76 75
Loans and Leases Interest Income		 47 55 57 62 63 63 63 62 65 64
Investment Securities Interest Income		 11 12 12 12 11 10 10 10 11 11
Deposits and Money Market Investments Interest Income		 0.66 0.46 0.59 0.64 0.66 0.62 0.61 0.63 0.62 0.54
Total Interest Expense		 2.44 3.65 6.07 10 11 12 14 14 15 14
Deposits Interest Expense		 0.72 1.35 1.81 2.90 4.54 6.15 8.08 9.28 10 10
Short-Term Borrowings Interest Expense		 0.04 0.44 2.35 5.16 5.84 5.43 4.56 3.34 4.19 2.53
Long-Term Debt Interest Expense		 1.67 1.86 1.91 2.24 0.79 0.84 0.83 0.83 0.82 0.84
Federal Funds Purchased and Securities Sold Interest Expense		 0.01 0.01 0.01 0.01 0.03 0.05 0.09 0.08 0.09 0.08
Total Non-Interest Income		 11 8.95 7.35 8.22 9.88 8.73 11 11 11 12
Other Service Charges		 10 9.57 9.00 8.86 9.19 9.10 8.92 9.18 10 9.94
Net Realized & Unrealized Capital Gains on Investments		 0.45 -0.57 -1.37 -1.15 -0.52 0.36 0.32 0.47 0.51 0.52
Other Non-Interest Income		 0.69 -0.06 -0.28 0.51 1.20 -0.74 1.27 1.48 -0.09 1.15
Provision for Credit Losses		 4.50 1.50 3.50 2.00 3.00 8.00 3.50 3.75 2.00 3.50
Total Non-Interest Expense		 36 40 36 35 37 37 38 38 39 44
Salaries and Employee Benefits		 21 24 22 22 23 21 24 23 25 26
Net Occupancy & Equipment Expense		 6.66 7.11 5.25 4.93 5.43 6.11 6.18 6.08 6.25 7.12
Marketing Expense		 0.08 0.13 0.14 0.10 0.09 0.38 0.19 0.47 0.30 0.28
Property & Liability Insurance Claims		 0.21 0.23 0.32 0.28 0.10 0.23 0.23 0.24 0.20 0.66
Other Operating Expenses		 7.36 7.32 7.34 7.10 8.07 8.30 6.75 7.09 7.31 9.94
Amortization Expense		 0.66 0.65 0.62 0.62 0.62 0.60 0.58 0.57 0.57 0.72
Income Tax Expense		 7.05 8.24 8.41 9.41 8.15 6.71 7.23 7.30 6.90 6.26
Basic Earnings per Share		 $0.43 $0.53 $0.53 $0.57 $0.55 $0.40 $0.48 $0.48 $0.52 $0.42
Weighted Average Basic Shares Outstanding		 44.57M 44.67M 44.67M 44.68M 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M
Diluted Earnings per Share		 $0.43 $0.52 $0.52 $0.56 $0.54 $0.40 $0.47 $0.48 $0.50 $0.42
Weighted Average Diluted Shares Outstanding		 44.57M 44.67M 44.67M 44.68M 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M
Weighted Average Basic & Diluted Shares Outstanding		 44.57M 44.67M 44.67M 44.68M 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M
Cash Dividends to Common per Share		 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.06

Annual Cash Flow Statements for Old Second Bancorp

This table details how cash moves in and out of Old Second Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents		 -637 -15 -0.82
Net Cash From Operating Activities		 97 116 132
Net Cash From Continuing Operating Activities		 97 116 132
Net Income / (Loss) Continuing Operations		 67 92 85
Consolidated Net Income / (Loss)		 67 92 85
Provision For Loan Losses		 6.65 17 14
Depreciation Expense		 4.09 4.49 5.59
Amortization Expense		 1.50 2.71 4.67
Non-Cash Adjustments to Reconcile Net Income		 0.35 5.71 -2.10
Changes in Operating Assets and Liabilities, net		 17 -5.00 24
Net Cash From Investing Activities		 -433 162 323
Net Cash From Continuing Investing Activities		 -433 162 323
Purchase of Property, Leasehold Improvements and Equipment		 -4.33 -12 -11
Purchase of Investment Securities		 -754 -224 20
Sale and/or Maturity of Investments		 325 398 313
Other Investing Activities, net		 0.00 0.00 1.24
Net Cash From Financing Activities		 -301 -293 -455
Net Cash From Continuing Financing Activities		 -301 -293 -455
Net Change in Deposits		 -354 -539 -70
Issuance of Debt		 90 315 -385
Repayment of Debt		 -10 -54 0.00
Repurchase of Common Equity		 -0.46 -0.61 -1.05
Payment of Dividends		 -8.88 -8.95 -9.41
Other Financing Activities, Net		 -18 -5.69 10
Cash Income Taxes Paid		 11 36 23

Quarterly Cash Flow Statements for Old Second Bancorp

This table details how cash moves in and out of Old Second Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 -165 -0.98 -12 9.59 -3.58 -8.89 -2.05 23 -5.13 -16
Net Cash From Operating Activities		 33 37 35 -29 82 29 47 12 48 24
Net Cash From Continuing Operating Activities		 33 37 35 -29 82 29 47 12 48 24
Net Income / (Loss) Continuing Operations		 20 24 24 26 24 18 21 22 23 19
Consolidated Net Income / (Loss)		 20 24 24 26 24 18 21 22 23 19
Provision For Loan Losses		 4.50 1.50 3.77 2.00 2.71 8.29 3.50 3.75 2.00 5.24
Depreciation Expense		 0.98 1.01 1.05 1.09 1.11 1.24 1.35 1.37 1.45 1.42
Amortization Expense		 1.62 -4.74 0.24 0.53 0.97 0.97 1.24 1.20 1.03 1.20
Non-Cash Adjustments to Reconcile Net Income		 -6.05 10 3.00 1.47 -3.13 4.37 -0.54 0.80 -0.53 -1.82
Changes in Operating Assets and Liabilities, net		 12 5.72 3.33 -60 56 -4.01 20 -17 22 -1.16
Net Cash From Investing Activities		 -157 74 -43 92 75 37 94 -23 -7.42 259
Net Cash From Continuing Investing Activities		 -157 74 -43 92 75 37 94 -23 -7.42 259
Purchase of Property, Leasehold Improvements and Equipment		 -1.14 -1.66 -1.56 -1.49 -5.17 -4.16 -3.33 -2.96 -2.35 -2.15
Purchase of Investment Securities		 -243 -1.98 -137 -28 -4.09 -56 54 -157 -36 159
Sale and/or Maturity of Investments		 88 77 95 121 85 97 43 136 31 103
Net Cash From Financing Activities		 -41 -112 -4.24 -53 -161 -75 -143 34 -46 -300
Net Cash From Continuing Financing Activities		 -41 -112 -4.24 -53 -161 -75 -143 34 -46 -300
Net Change in Deposits		 -61 -170 -213 -179 -103 -43 38 -87 -56 35
Issuance of Debt		 25 65 225 170 -50 -30 -185 110 5.00 -315
Repurchase of Common Equity		 -0.05 -0.01 -0.61 - - - -0.78 -0.02 - -0.26
Payment of Dividends		 -2.23 -2.23 -2.24 -2.24 -2.24 -2.23 -2.24 -2.24 -2.25 -2.69
Other Financing Activities, Net		 -2.10 -3.34 -4.26 3.64 -5.64 0.58 7.08 13 7.32 -17

Annual Balance Sheets for Old Second Bancorp

This table presents Old Second Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets		 5,888 5,723 5,649
Cash and Due from Banks		 57 56 52
Interest Bearing Deposits at Other Banks		 59 45 47
Trading Account Securities		 1,539 1,193 1,162
Loans and Leases, Net of Allowance		 3,820 3,999 3,938
Loans and Leases		 3,870 4,043 3,981
Allowance for Loan and Lease Losses		 49 44 44
Loans Held for Sale		 0.49 1.32 1.56
Premises and Equipment, Net		 72 79 87
Goodwill		 86 86 93
Intangible Assets		 14 11 22
Other Assets		 241 253 246
Total Liabilities & Shareholders' Equity		 5,888 5,723 5,649
Total Liabilities		 5,427 5,146 4,978
Non-Interest Bearing Deposits		 2,052 1,835 1,705
Interest Bearing Deposits		 3,059 2,736 3,064
Short-Term Debt		 122 431 57
Long-Term Debt		 139 85 85
Other Long-Term Liabilities		 56 58 68
Total Equity & Noncontrolling Interests		 461 577 671
Total Preferred & Common Equity		 461 577 671
Total Common Equity		 461 577 671
Common Stock		 247 247 250
Retained Earnings		 311 393 469
Treasury Stock		 -3.23 -0.18 -0.58
Accumulated Other Comprehensive Income / (Loss)		 -93 -63 -48

Quarterly Balance Sheets for Old Second Bancorp

This table presents Old Second Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 5,968 5,920 5,884 5,758 5,616 5,663 5,672
Cash and Due from Banks		 65 51 59 56 49 55 63
Interest Bearing Deposits at Other Banks		 51 52 53 53 49 66 52
Trading Account Securities		 1,610 1,455 1,336 1,230 1,169 1,174 1,191
Loans and Leases, Net of Allowance		 3,820 3,950 3,960 3,978 3,925 3,934 3,947
Loans and Leases		 3,869 4,003 4,016 4,030 3,969 3,977 3,991
Allowance for Loan and Lease Losses		 49 53 55 52 44 42 44
Loans Held for Sale		 1.30 3,951 1.22 2.30 1.07 2.29 2.45
Premises and Equipment, Net		 77 73 73 76 81 83 83
Goodwill		 86 86 86 86 86 86 86
Intangible Assets		 14 13 12 12 11 10 9.49
Other Assets		 242 239 303 265 244 252 237
Total Liabilities & Shareholders' Equity		 5,968 5,920 5,884 5,758 5,616 5,663 5,672
Total Liabilities		 5,534 5,423 5,370 5,226 5,020 5,043 5,010
Non-Interest Bearing Deposits		 2,098 1,950 1,898 1,863 1,800 1,728 1,669
Interest Bearing Deposits		 3,183 2,947 2,820 2,752 2,808 2,793 2,796
Short-Term Debt		 60 343 517 461 254 377 389
Long-Term Debt		 140 130 85 85 85 85 85
Other Long-Term Liabilities		 53 54 51 65 73 60 71
Total Equity & Noncontrolling Interests		 434 497 514 533 596 619 661
Total Preferred & Common Equity		 434 497 514 533 596 619 661
Total Common Equity		 434 497 514 533 596 619 661
Common Stock		 246 245 246 246 248 249 250
Retained Earnings		 289 332 355 377 412 432 453
Treasury Stock		 -3.43 -0.75 -0.75 -0.40 -0.91 -0.85 -0.83
Accumulated Other Comprehensive Income / (Loss)		 -98 -79 -86 -91 -63 -61 -40

Annual Metrics and Ratios for Old Second Bancorp

This table displays calculated financial ratios and metrics derived from Old Second Bancorp's official financial filings.

Metric 2022 2023 2024
Growth Metrics		 - - -
Revenue Growth		 83.32% 14.78% -0.23%
EBITDA Growth		 190.68% 35.48% -6.37%
EBIT Growth		 228.52% 35.89% -9.21%
NOPAT Growth		 236.29% 36.09% -7.05%
Net Income Growth		 236.29% 36.09% -7.05%
EPS Growth		 129.23% 35.57% -7.43%
Operating Cash Flow Growth		 213.54% 19.58% 13.00%
Free Cash Flow Firm Growth		 121.74% -704.51% 230.69%
Invested Capital Growth		 3.00% 51.52% -25.69%
Revenue Q/Q Growth		 15.65% -1.06% 1.14%
EBITDA Q/Q Growth		 65.60% -0.74% -0.80%
EBIT Q/Q Growth		 90.11% -5.27% 0.39%
NOPAT Q/Q Growth		 94.12% -5.55% 1.05%
Net Income Q/Q Growth		 94.12% -5.55% 1.05%
EPS Q/Q Growth		 136.51% -5.61% 1.08%
Operating Cash Flow Q/Q Growth		 141.30% -6.58% -3.72%
Free Cash Flow Firm Q/Q Growth		 154.33% 19.39% 1,232.26%
Invested Capital Q/Q Growth		 13.91% 1.42% -28.41%
Profitability Metrics		 - - -
EBITDA Margin		 38.97% 46.00% 43.16%
EBIT Margin		 36.73% 43.48% 39.57%
Profit (Net Income) Margin		 27.04% 32.06% 29.87%
Tax Burden Percent		 73.63% 73.73% 75.48%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 26.37% 26.27% 24.52%
Return on Invested Capital (ROIC)		 9.47% 10.10% 8.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.47% 10.10% 8.94%
Return on Net Nonoperating Assets (RNNOA)		 4.52% 7.56% 4.72%
Return on Equity (ROE)		 14.00% 17.67% 13.66%
Cash Return on Invested Capital (CROIC)		 6.52% -30.86% 38.41%
Operating Return on Assets (OROA)		 1.51% 2.14% 1.99%
Return on Assets (ROA)		 1.11% 1.58% 1.50%
Return on Common Equity (ROCE)		 14.00% 17.67% 13.66%
Return on Equity Simple (ROE_SIMPLE)		 14.62% 15.89% 12.71%
Net Operating Profit after Tax (NOPAT)		 67 92 85
NOPAT Margin		 27.04% 32.06% 29.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.32% 38.80% 43.75%
Operating Expenses to Revenue		 60.65% 50.75% 55.96%
Earnings before Interest and Taxes (EBIT)		 92 124 113
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 97 132 123
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.50 1.18 1.18
Price to Tangible Book Value (P/TBV)		 1.92 1.42 1.43
Price to Revenue (P/Rev)		 2.78 2.37 2.78
Price to Earnings (P/E)		 10.29 7.40 9.32
Dividend Yield		 1.29% 1.32% 1.18%
Earnings Yield		 9.72% 13.51% 10.73%
Enterprise Value to Invested Capital (EV/IC)		 1.16 1.00 1.03
Enterprise Value to Revenue (EV/Rev)		 3.37 3.83 2.93
Enterprise Value to EBITDA (EV/EBITDA)		 8.64 8.32 6.80
Enterprise Value to EBIT (EV/EBIT)		 9.16 8.80 7.41
Enterprise Value to NOPAT (EV/NOPAT)		 12.45 11.94 9.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.62 9.41 6.37
Enterprise Value to Free Cash Flow (EV/FCFF)		 18.10 0.00 2.29
Leverage & Solvency		 - - -
Debt to Equity		 0.57 0.89 0.21
Long-Term Debt to Equity		 0.30 0.15 0.13
Financial Leverage		 0.48 0.75 0.53
Leverage Ratio		 12.56 11.18 9.11
Compound Leverage Factor		 12.56 11.18 9.11
Debt to Total Capital		 36.13% 47.23% 17.46%
Short-Term Debt to Total Capital		 16.92% 39.44% 6.97%
Long-Term Debt to Total Capital		 19.21% 7.78% 10.49%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 63.87% 52.77% 82.55%
Debt to EBITDA		 2.69 3.93 1.15
Net Debt to EBITDA		 1.50 3.16 0.35
Long-Term Debt to EBITDA		 1.43 0.65 0.69
Debt to NOPAT		 3.87 5.63 1.66
Net Debt to NOPAT		 2.16 4.54 0.50
Long-Term Debt to NOPAT		 2.06 0.93 1.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 46 -280 366
Operating Cash Flow to CapEx		 2,247.09% 940.54% 1,219.37%
Free Cash Flow to Firm to Interest Expense		 4.49 -7.00 6.51
Operating Cash Flow to Interest Expense		 9.44 2.91 2.34
Operating Cash Flow Less CapEx to Interest Expense		 9.02 2.60 2.15
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.05 0.05
Fixed Asset Turnover		 3.11 3.77 3.43
Capital & Investment Metrics		 - - -
Invested Capital		 722 1,094 813
Invested Capital Turnover		 0.35 0.32 0.30
Increase / (Decrease) in Invested Capital		 21 372 -281
Enterprise Value (EV)		 839 1,095 838
Market Capitalization		 693 679 795
Book Value per Share		 $10.35 $12.92 $14.96
Tangible Book Value per Share		 $8.10 $10.73 $12.39
Total Capital		 722 1,094 813
Total Debt		 261 517 142
Total Long-Term Debt		 139 85 85
Net Debt		 146 416 43
Capital Expenditures (CapEx)		 4.33 12 11
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 261 517 142
Total Depreciation and Amortization (D&A)		 5.59 7.20 10
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.51 $2.05 $1.90
Adjusted Weighted Average Basic Shares Outstanding		 44.67M 44.80M 45.05M
Adjusted Diluted Earnings per Share		 $1.49 $2.02 $1.87
Adjusted Weighted Average Diluted Shares Outstanding		 44.67M 44.80M 45.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 44.67M 44.80M 45.05M
Normalized Net Operating Profit after Tax (NOPAT)		 67 92 85
Normalized NOPAT Margin		 27.04% 32.06% 29.87%
Pre Tax Income Margin		 36.73% 43.48% 39.57%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 8.87 3.11 2.01
NOPAT to Interest Expense		 6.53 2.29 1.52
EBIT Less CapEx to Interest Expense		 8.45 2.80 1.82
NOPAT Less CapEx to Interest Expense		 6.11 1.98 1.32
Payout Ratios		 - - -
Dividend Payout Ratio		 13.17% 9.75% 11.04%
Augmented Payout Ratio		 13.84% 10.41% 12.27%

Quarterly Metrics and Ratios for Old Second Bancorp

This table displays calculated financial ratios and metrics derived from Old Second Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 109.85% 85.84% 30.61% 31.81% 8.71% -4.21% -1.61% -1.37% -2.40% 4.62%
EBITDA Growth		 117.22% 371.51% 66.49% 84.44% 18.49% -3.48% -6.50% -13.22% -6.46% 3.12%
EBIT Growth		 134.59% 376.05% 94.69% 109.72% 22.23% -21.71% -10.84% -16.54% -8.11% 1.74%
NOPAT Growth		 132.09% 392.36% 96.40% 108.72% 24.65% -22.82% -9.72% -14.36% -5.69% 4.86%
Net Income Growth		 132.09% 360.45% 96.40% 108.72% 24.65% -22.82% -9.72% -14.36% -5.69% 4.86%
EPS Growth		 48.28% 252.94% 92.59% 107.41% 25.58% -23.08% -9.62% -14.29% -7.41% 5.00%
Operating Cash Flow Growth		 25.47% 289.07% 6,985.83% -210.66% 148.05% -22.00% 35.10% 139.90% -40.68% -17.48%
Free Cash Flow Firm Growth		 -104.74% 101.06% -93.34% -480.84% -318.22% -13,885.23% 118.73% 112.19% 91.93% 184.83%
Invested Capital Growth		 23.37% 3.00% 49.76% 77.91% 70.17% 51.52% -3.57% -3.09% 5.27% -25.69%
Revenue Q/Q Growth		 23.11% 8.90% -2.19% 0.51% 1.54% -4.04% 0.46% 0.76% 0.48% 2.86%
EBITDA Q/Q Growth		 47.02% -3.59% 18.42% 9.89% -5.55% -21.47% 18.10% 1.99% 1.81% -13.42%
EBIT Q/Q Growth		 59.37% 19.85% 0.50% 9.25% -7.12% -23.23% 14.46% 2.27% 2.26% -15.00%
NOPAT Q/Q Growth		 59.41% 20.96% -0.03% 8.28% -4.80% -25.11% 16.94% 2.72% 4.84% -16.74%
Net Income Q/Q Growth		 59.41% 20.96% -0.03% 8.28% -4.80% -25.11% 16.94% 2.72% 4.84% -16.74%
EPS Q/Q Growth		 59.26% 20.93% 0.00% 7.69% -3.57% -25.93% 17.50% 2.13% 4.17% -16.00%
Operating Cash Flow Q/Q Growth		 23.89% 13.11% -6.11% -184.11% 377.70% -64.43% 62.62% -75.16% 312.83% -50.52%
Free Cash Flow Firm Q/Q Growth		 -26.12% 102.55% -11,733.63% -55.09% 9.19% 15.87% 115.80% 0.92% -160.16% 984.22%
Invested Capital Q/Q Growth		 1.08% 13.91% 34.28% 15.07% -3.32% 1.42% -14.54% 15.64% 5.03% -28.41%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 43.50% 38.51% 46.62% 50.96% 47.41% 38.80% 44.30% 44.84% 45.43% 38.24%
EBIT Margin		 39.63% 43.61% 44.81% 48.71% 44.56% 35.64% 40.61% 41.22% 41.95% 34.66%
Profit (Net Income) Margin		 29.11% 32.33% 33.05% 35.60% 33.38% 26.05% 30.32% 30.91% 32.25% 26.11%
Tax Burden Percent		 73.46% 74.14% 73.74% 73.09% 74.91% 73.08% 74.67% 74.99% 76.89% 75.32%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.54% 25.86% 26.26% 26.91% 25.09% 26.92% 25.33% 25.01% 23.11% 24.68%
Return on Invested Capital (ROIC)		 10.93% 11.33% 10.87% 11.58% 11.27% 8.21% 9.07% 7.99% 8.22% 7.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.93% 11.33% 10.87% 11.58% 11.27% 8.21% 9.07% 7.99% 8.22% 7.82%
Return on Net Nonoperating Assets (RNNOA)		 5.69% 5.41% 7.38% 9.38% 8.71% 6.15% 6.74% 7.50% 7.03% 4.12%
Return on Equity (ROE)		 16.62% 16.74% 18.25% 20.95% 19.98% 14.35% 15.81% 15.49% 15.25% 11.94%
Cash Return on Invested Capital (CROIC)		 -14.87% 6.52% -30.08% -45.47% -40.60% -30.86% 13.03% 10.95% 2.48% 38.41%
Operating Return on Assets (OROA)		 1.85% 1.80% 1.96% 2.32% 2.20% 1.76% 2.01% 2.03% 2.07% 1.74%
Return on Assets (ROA)		 1.36% 1.33% 1.45% 1.70% 1.65% 1.28% 1.50% 1.52% 1.59% 1.31%
Return on Common Equity (ROCE)		 16.62% 16.74% 18.25% 20.95% 19.98% 14.35% 15.81% 15.49% 15.25% 11.94%
Return on Equity Simple (ROE_SIMPLE)		 8.01% 0.00% 15.90% 17.96% 18.24% 0.00% 15.00% 13.85% 12.76% 0.00%
Net Operating Profit after Tax (NOPAT)		 20 24 24 26 24 18 21 22 23 19
NOPAT Margin		 29.11% 32.33% 33.05% 35.60% 33.38% 26.05% 30.32% 30.91% 32.25% 26.11%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.39% 43.13% 38.69% 37.37% 39.28% 39.87% 43.66% 42.33% 43.88% 45.10%
Operating Expenses to Revenue		 53.66% 54.33% 50.29% 48.51% 51.33% 52.92% 54.41% 53.49% 55.24% 60.55%
Earnings before Interest and Taxes (EBIT)		 27 32 32 35 32 25 29 29 30 25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 28 33 37 35 27 31 32 32 28
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.30 1.50 1.24 1.12 1.12 1.18 1.03 1.07 1.05 1.18
Price to Tangible Book Value (P/TBV)		 1.70 1.92 1.55 1.38 1.38 1.42 1.23 1.27 1.23 1.43
Price to Revenue (P/Rev)		 2.63 2.78 2.31 2.03 2.07 2.37 2.16 2.33 2.47 2.78
Price to Earnings (P/E)		 16.30 10.29 7.79 6.22 6.16 7.40 6.89 7.72 8.26 9.32
Dividend Yield		 1.57% 1.29% 1.45% 1.56% 1.49% 1.32% 1.45% 1.35% 1.29% 1.18%
Earnings Yield		 6.14% 9.72% 12.84% 16.09% 16.25% 13.51% 14.52% 12.95% 12.11% 10.73%
Enterprise Value to Invested Capital (EV/IC)		 1.03 1.16 1.02 0.95 0.96 1.00 0.92 0.93 0.93 1.03
Enterprise Value to Revenue (EV/Rev)		 3.02 3.37 3.70 3.75 3.58 3.83 3.01 3.53 3.74 2.93
Enterprise Value to EBITDA (EV/EBITDA)		 11.08 8.64 8.92 8.36 7.80 8.32 6.53 7.93 8.49 6.80
Enterprise Value to EBIT (EV/EBIT)		 13.49 9.16 9.19 8.47 7.88 8.80 7.08 8.71 9.38 7.41
Enterprise Value to NOPAT (EV/NOPAT)		 18.72 12.45 12.47 11.51 10.65 11.94 9.58 11.70 12.50 9.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 16.11 8.62 7.47 14.02 8.30 9.41 6.66 5.90 7.72 6.37
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 18.10 0.00 0.00 0.00 0.00 6.91 8.34 38.38 2.29
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.46 0.57 0.95 1.17 1.03 0.89 0.57 0.75 0.72 0.21
Long-Term Debt to Equity		 0.32 0.30 0.26 0.17 0.16 0.15 0.14 0.14 0.13 0.13
Financial Leverage		 0.52 0.48 0.68 0.81 0.77 0.75 0.74 0.94 0.85 0.53
Leverage Ratio		 12.24 12.56 12.61 12.35 12.14 11.18 10.55 10.19 9.57 9.11
Compound Leverage Factor		 12.24 12.56 12.61 12.35 12.14 11.18 10.55 10.19 9.57 9.11
Debt to Total Capital		 31.57% 36.13% 48.75% 53.93% 50.62% 47.23% 36.23% 42.71% 41.75% 17.46%
Short-Term Debt to Total Capital		 9.54% 16.92% 35.37% 46.30% 42.73% 39.44% 27.12% 34.83% 34.25% 6.97%
Long-Term Debt to Total Capital		 22.03% 19.21% 13.38% 7.63% 7.89% 7.78% 9.11% 7.88% 7.51% 10.49%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 68.43% 63.87% 51.25% 46.07% 49.38% 52.77% 63.77% 57.29% 58.25% 82.55%
Debt to EBITDA		 3.41 2.69 4.28 4.73 4.12 3.93 2.58 3.65 3.82 1.15
Net Debt to EBITDA		 1.43 1.50 3.35 3.84 3.30 3.16 1.83 2.70 2.88 0.35
Long-Term Debt to EBITDA		 2.38 1.43 1.17 0.67 0.64 0.65 0.65 0.67 0.69 0.69
Debt to NOPAT		 5.76 3.87 5.98 6.52 5.62 5.63 3.79 5.38 5.62 1.66
Net Debt to NOPAT		 2.42 2.16 4.68 5.30 4.50 4.54 2.69 3.97 4.25 0.50
Long-Term Debt to NOPAT		 4.02 2.06 1.64 0.92 0.88 0.93 0.95 0.99 1.01 1.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -101 2.57 -299 -463 -420 -354 56 56 -34 300
Operating Cash Flow to CapEx		 2,881.21% 2,243.26% 2,243.85% -1,979.96% 1,581.41% 699.21% 1,420.12% 396.49% 2,068.19% 1,116.61%
Free Cash Flow to Firm to Interest Expense		 -41.22 0.70 -49.16 -44.92 -37.54 -28.39 4.13 4.17 -2.19 21.91
Operating Cash Flow to Interest Expense		 13.51 10.20 5.76 -2.86 7.30 2.33 3.49 0.87 3.13 1.75
Operating Cash Flow Less CapEx to Interest Expense		 13.05 9.75 5.51 -3.00 6.84 2.00 3.25 0.65 2.98 1.60
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 3.55 3.11 3.35 3.66 3.76 3.77 3.70 3.65 3.54 3.43
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 634 722 969 1,116 1,079 1,094 935 1,081 1,135 813
Invested Capital Turnover		 0.38 0.35 0.33 0.33 0.34 0.32 0.30 0.26 0.25 0.30
Increase / (Decrease) in Invested Capital		 120 21 322 489 445 372 -35 -35 57 -281
Enterprise Value (EV)		 650 839 985 1,063 1,035 1,095 857 1,003 1,055 838
Market Capitalization		 566 693 615 574 598 679 616 662 697 795
Book Value per Share		 $9.73 $10.35 $11.12 $11.51 $11.92 $12.92 $13.31 $13.81 $14.75 $14.96
Tangible Book Value per Share		 $7.47 $8.10 $8.90 $9.29 $9.72 $10.73 $11.14 $11.66 $12.61 $12.39
Total Capital		 634 722 969 1,116 1,079 1,094 935 1,081 1,135 813
Total Debt		 200 261 473 602 546 517 339 462 474 142
Total Long-Term Debt		 140 139 130 85 85 85 85 85 85 85
Net Debt		 84 146 370 489 437 416 241 341 358 43
Capital Expenditures (CapEx)		 1.14 1.66 1.56 1.49 5.17 4.16 3.33 2.96 2.35 2.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 200 261 473 602 546 517 339 462 474 142
Total Depreciation and Amortization (D&A)		 2.59 -3.73 1.29 1.62 2.08 2.21 2.59 2.57 2.48 2.62
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.43 $0.53 $0.53 $0.57 $0.55 $0.40 $0.48 $0.48 $0.52 $0.42
Adjusted Weighted Average Basic Shares Outstanding		 44.57M 44.67M 44.67M 44.68M 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M
Adjusted Diluted Earnings per Share		 $0.43 $0.52 $0.52 $0.56 $0.54 $0.40 $0.47 $0.48 $0.50 $0.42
Adjusted Weighted Average Diluted Shares Outstanding		 44.57M 44.67M 44.67M 44.68M 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 44.57M 44.67M 44.67M 44.68M 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M
Normalized Net Operating Profit after Tax (NOPAT)		 20 24 24 26 24 18 21 22 23 19
Normalized NOPAT Margin		 29.11% 32.33% 33.05% 35.60% 33.38% 26.05% 30.32% 30.91% 32.25% 26.11%
Pre Tax Income Margin		 39.63% 43.61% 44.81% 48.71% 44.56% 35.64% 40.61% 41.22% 41.95% 34.66%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 10.90 8.72 5.27 3.39 2.90 2.00 2.11 2.16 1.93 1.85
NOPAT to Interest Expense		 8.00 6.46 3.89 2.48 2.17 1.46 1.57 1.62 1.48 1.40
EBIT Less CapEx to Interest Expense		 10.43 8.26 5.01 3.25 2.44 1.67 1.86 1.94 1.78 1.70
NOPAT Less CapEx to Interest Expense		 7.54 6.01 3.63 2.34 1.71 1.13 1.33 1.40 1.33 1.24
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 23.28% 13.17% 11.29% 9.68% 9.21% 9.75% 10.00% 10.43% 10.61% 11.04%
Augmented Payout Ratio		 24.65% 13.84% 12.64% 10.39% 9.84% 10.41% 10.87% 11.35% 11.55% 12.27%

Frequently Asked Questions About Old Second Bancorp's Financials

When does Old Second Bancorp's financial year end?

According to the most recent income statement we have on file, Old Second Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Old Second Bancorp's net income changed over the last 2 years?

Old Second Bancorp's net income appears to be on an upward trend, with a most recent value of $85.26 million in 2024, rising from $67.41 million in 2022. The previous period was $91.73 million in 2023.

How has Old Second Bancorp revenue changed over the last 2 years?

Over the last 2 years, Old Second Bancorp's total revenue changed from $249.27 million in 2022 to $285.45 million in 2024, a change of 14.5%.

How much debt does Old Second Bancorp have?

Old Second Bancorp's total liabilities were at $4.98 billion at the end of 2024, a 3.2% decrease from 2023, and a 8.3% decrease since 2022.

How much cash does Old Second Bancorp have?

In the past 2 years, Old Second Bancorp's cash and equivalents has ranged from $52.18 million in 2024 to $56.63 million in 2022, and is currently $52.18 million as of their latest financial filing in 2024.

How has Old Second Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Old Second Bancorp's book value per share changed from 10.35 in 2022 to 14.96 in 2024, a change of 44.6%.

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This page (NASDAQ:OSBC) was last updated on 4/16/2025 by MarketBeat.com Staff
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