Old Second Bancorp, Inc.
Financials
Valuation Metrics
Old Second Bancorp, Inc.'s Market Cap is $1.29B. At end of 2025 it was $1.03B. Ranked #2323 of 3,121 in US market (top 74%), #938 of 1,463 on NASDAQ (top 64%), #162 of 248 in Banks (top 65%) by Market Cap.
Investment Metrics(as of 2026-09-18)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $1.29B | US#2,323/3,121 Sec#162/248 |
| Revenue | $381M | US#2,369/3,121 Sec#134/248 |
| Net Income | $92M | US#1,653/3,121 Sec#159/248 |
| Total Assets | $6.85B | US#1,223/3,121 Sec#178/248 |
| Net Assets | $903M | US#1,838/3,121 Sec#162/248 |
| Employees | 1,062 | US#1,969/3,121 Sec#131/248 |
| Value | ||
| P/E | 13.91x | US#692/3,121 Sec#160/248 |
| P/B | 1.42x | US#802/3,121 Sec#158/248 |
| PEG | 1.34x | US#944/3,121 Sec#135/248 |
| P/S | 3.37x | US#1,861/3,121 Sec#93/248 |
| EV/EBITDA | 12.72x | US#1,245/3,121 Sec#123/248 |
| FCF Yield | 11.00% | US#490/3,121 Sec#62/248 |
| Profitability | ||
| ROE | 10.24% | US#1,358/3,121 Sec#145/248 |
| ROA | 1.35% | US#1,826/3,121 Sec#76/248 |
| Op. Margin | 33.36% | US#436/3,121 Sec#130/248 |
| Revenue Growth | 31.04% | US#414/3,121 Sec#30/248 |
| Earnings Growth | 10.40% | US#1,065/3,121 Sec#135/248 |
| Financial Health | ||
| Debt Ratio | 659.48% | US#2,490/3,121 Sec#47/248 |
| Total Debt | $469M | US#1,904/3,121 Sec#138/248 |
| FCF | $141M | US#1,573/3,121 Sec#126/248 |
| Cash | $47M | US#2,604/3,121 Sec#208/248 |
| Current Ratio | 0.12x | US#2,955/3,121 Sec#195/248 |
| Net Debt/EBITDA | 3.14x | US#1,651/3,121 Sec#144/248 |
| Dividend | ||
| Div. Yield | 1.10% | US#1,276/3,121 Sec#197/248 |
| Div. Growth | 30.03% | US#193/3,121 Sec#33/248 |
| Performance | ||
| 1Y Return | 36.11% | US#728/3,121 Sec#48/248 |
| 1M Return | -0.20% | US#1,361/3,121 Sec#117/248 |
| From 52W High | -4.11% | US#256/3,121 Sec#43/248 |
| 1Y MDD | -10.20% | US#50/3,121 Sec#15/248 |
| Trading | ||
| Volume | 673,610 shares | US#2,164/3,121 Sec#95/248 |
| Trading Value | $17M | US#2,322/3,121 Sec#135/248 |
| Per Share | ||
| EPS | $1.80 | US#1,402/3,121 Sec#184/248 |
| BPS | $17.55 | US#1,378/3,121 Sec#199/248 |
Company Info
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.