Stock OSBC OLD SECOND BANCORP, INC.
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Financials Old Second Bancorp, Inc.

Equities

OSBC

US6802771005

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
14.03 USD -0.71% Intraday chart for Old Second Bancorp, Inc. -2.77% -9.13%
Apr. 18 Transcript : Old Second Bancorp, Inc., Q1 2024 Earnings Call, Apr 18, 2024
Apr. 17 Earnings Flash (OSBC) OLD SECOND BANCORP Posts Q1 EPS $0.47, vs. Street Est of $0.47 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 402.8 296.5 567.6 715 690.1 629.2 -
Enterprise Value (EV) 1 402.8 296.5 567.6 715 690.1 629.2 629.2
P/E ratio 10.4 x 11 x 19.4 x 10.8 x 7.64 x 7.36 x 7.52 x
Yield 0.3% 0.4% 1.27% 1.25% 1.3% 1.43% 1.43%
Capitalization / Revenue 4.16 x 3.18 x 5.87 x 3.47 x 2.74 x 2.62 x 2.63 x
EV / Revenue 4.16 x 3.18 x 5.87 x 3.47 x 2.74 x 2.62 x 2.63 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.45 x 0.96 x 1.12 x 1.55 x 1.2 x 0.95 x 0.84 x
Nbr of stocks (in thousands) 29,903 29,355 45,081 44,574 44,698 44,846 -
Reference price 2 13.47 10.10 12.59 16.04 15.44 14.03 14.03
Announcement Date 1/22/20 1/27/21 1/26/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 96.82 93.22 96.76 206.2 251.9 240 239.4
EBITDA - - - - - - -
EBIT 1 53.45 49.29 46.78 98.1 140.9 131.9 125.7
Operating Margin 55.21% 52.87% 48.34% 47.58% 55.93% 54.96% 52.5%
Earnings before Tax (EBT) 1 51.86 37.41 27.87 91.55 24.94 117.7 116.5
Net income 1 39.47 27.82 20.04 67.4 91.73 86.71 84.49
Net margin 40.77% 29.85% 20.71% 32.7% 36.41% 36.14% 35.3%
EPS 2 1.300 0.9200 0.6500 1.490 2.020 1.907 1.867
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.0400 0.0400 0.1600 0.2000 0.2000 0.2000 0.2000
Announcement Date 1/22/20 1/27/21 1/26/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 22.62 28.65 41.24 45.65 55.57 64.09 64.09 63.58 63.03 61.24 60.14 59.6 60.25 60.33 59.18
EBITDA - - - - - - - - - - - - - - -
EBIT 1 9.829 13.91 16.44 17.61 31.08 33.35 35.51 36.97 35.48 32.94 32.31 32.75 33.5 33.22 30.18
Operating Margin 43.46% 48.55% 39.88% 38.58% 55.93% 52.04% 55.42% 58.15% 56.3% 53.79% 53.72% 54.95% 55.6% 55.07% 50.98%
Earnings before Tax (EBT) 1 11.33 -11.54 16.44 16.68 26.58 31.85 32.01 34.97 32.48 24.94 28.54 29.18 29.82 29.87 27.93
Net income 1 8.412 -9.067 12.02 12.25 19.52 23.62 23.61 25.56 24.34 18.22 21.31 21.47 21.94 22 20.4
Net margin 37.19% -31.65% 29.15% 26.83% 35.13% 36.85% 36.84% 40.2% 38.61% 29.76% 35.44% 36.02% 36.41% 36.46% 34.47%
EPS 2 0.2900 -0.2700 0.2700 0.2700 0.4300 0.5200 0.5200 0.5600 0.5400 0.4000 0.4700 0.4733 0.4817 0.4817 0.4500
Dividend per Share 2 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500 0.0500
Announcement Date 10/21/21 1/26/22 4/27/22 7/27/22 10/26/22 1/25/23 4/19/23 7/19/23 10/18/23 1/24/24 4/17/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 15.6% 10.5% 10.4% 14.5% 17.7% 14% 12.2%
ROA (Net income/ Total Assets) 1.49% 1.08% 0.91% 1.11% 1.58% 1.53% 1.46%
Assets 1 2,656 2,567 2,214 6,050 5,806 5,667 5,781
Book Value Per Share 2 9.280 10.50 11.30 10.30 12.90 14.80 16.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/27/21 1/26/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Old Second Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
6
Last Close Price
14.03 USD
Average target price
17.67 USD
Spread / Average Target
+25.92%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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  4. Financials Old Second Bancorp, Inc.