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Old Second Bancorp, Inc. OSBC

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Price alert · OSBC

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24.99 USD -0.08 (-0.32%)

At closeNov 3, 2026, 4:01 PM EST

24.99 0.00 0.00%

After hours · Nov 3, 4:01 PM ET

24.77 Day range 25.41
17.61 52-week range 26.06
YTD
+28.15%
1 year
+38.83%

Financial health

Altman Z-Score

-0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 11.9×
FY 2016: 20.8×FY 2017: 26.8×FY 2018: 11.4×FY 2019: 10.2×FY 2020: 10.7×FY 2021: 19.1×FY 2022: 10.6×FY 2023: 7.5×FY 2024: 9.4×FY 2025: 11.9×
FY 2016 5y median 10.6× FY 2025
P/S 2.6×
FY 2016: 3.2×FY 2017: 3.5×FY 2018: 2.8×FY 2019: 2.7×FY 2020: 2.1×FY 2021: 2.7×FY 2022: 2.8×FY 2023: 2.1×FY 2024: 2.4×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 1.1×
FY 2016: 1.9×FY 2017: 2.0×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 0.8×FY 2022: 1.5×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/FCF 8.7×
FY 2016: 12.9×FY 2017: 11.2×FY 2018: 7.3×FY 2019: 8.3×FY 2020: 13.6×FY 2021: 13.1×FY 2022: 7.7×FY 2023: 6.6×FY 2024: 6.6×FY 2025: 8.7×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 10.2×
FY 2016: 17.8×FY 2017: 16.2×FY 2018: 13.8×FY 2019: 10.2×FY 2020: 3.2×FY 2021: -5.5×FY 2022: 8.7×FY 2023: 8.4×FY 2024: 6.9×FY 2025: 10.2×
FY 2016 5y median 8.4× FY 2025
EV/Sales 3.1×
FY 2016: 4.7×FY 2017: 5.1×FY 2018: 4.7×FY 2019: 3.7×FY 2020: 0.9×FY 2021: -1.2×FY 2022: 3.4×FY 2023: 3.4×FY 2024: 2.5×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
FCF Yield 11.5%
FY 2016: 7.7%FY 2017: 8.9%FY 2018: 13.7%FY 2019: 12.0%FY 2020: 7.4%FY 2021: 7.6%FY 2022: 13.0%FY 2023: 15.1%FY 2024: 15.1%FY 2025: 11.5%
FY 2016 5y median 13.0% FY 2025

Profitability

Gross Margin 78.1%
FY 2016: 89.4%FY 2017: 87.6%FY 2018: 86.9%FY 2019: 86.3%FY 2020: 83.6%FY 2021: 91.0%FY 2022: 93.4%FY 2023: 82.4%FY 2024: 79.5%FY 2025: 78.1%
FY 2016 5y median 82.4% FY 2025
Operating Margin 27.9%
FY 2016: 24.4%FY 2017: 29.4%FY 2018: 32.1%FY 2019: 34.7%FY 2020: 26.8%FY 2021: 19.6%FY 2022: 35.9%FY 2023: 38.8%FY 2024: 33.6%FY 2025: 27.9%
FY 2016 5y median 33.6% FY 2025
Net Margin 20.2%
FY 2016: 15.6%FY 2017: 13.0%FY 2018: 24.8%FY 2019: 26.4%FY 2020: 19.9%FY 2021: 14.1%FY 2022: 26.4%FY 2023: 28.6%FY 2024: 25.4%FY 2025: 20.2%
FY 2016 5y median 25.4% FY 2025
ROE 9.0%
FY 2016: 9.0%FY 2017: 7.6%FY 2018: 14.8%FY 2019: 14.2%FY 2020: 9.1%FY 2021: 4.0%FY 2022: 14.6%FY 2023: 15.9%FY 2024: 12.7%FY 2025: 9.0%
FY 2016 5y median 12.7% FY 2025
ROIC -45.5%
FY 2016: 4.1%FY 2017: 3.3%FY 2018: 6.1%FY 2019: 7.8%FY 2020: 5.5%FY 2021: 2.7%FY 2022: 8.7%FY 2023: 8.0%FY 2024: 9.7%FY 2025: -45.5%
FY 2016 5y median 8.0% FY 2025
ROA 1.2%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 1.3%FY 2019: 1.5%FY 2020: 0.9%FY 2021: 0.3%FY 2022: 1.1%FY 2023: 1.6%FY 2024: 1.5%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 18.1%
FY 2016: 3.5%FY 2017: 16.0%FY 2018: 17.5%FY 2019: 9.1%FY 2020: -6.6%FY 2021: 1.7%FY 2022: 79.9%FY 2023: 25.8%FY 2024: 4.7%FY 2025: 18.1%
FY 2016 FY 2025
Operating Income -2.0%
FY 2016: 0.6%FY 2017: 40.0%FY 2018: 28.1%FY 2019: 18.0%FY 2020: -27.9%FY 2021: -25.5%FY 2022: 228.5%FY 2023: 35.9%FY 2024: -9.2%FY 2025: -2.0%
FY 2016 FY 2025
EPS (diluted) -13.4%
FY 2016: 15.2%FY 2017: -5.7%FY 2018: 124.0%FY 2019: 16.1%FY 2020: -29.2%FY 2021: -29.3%FY 2022: 129.2%FY 2023: 35.6%FY 2024: -7.4%FY 2025: -13.4%
FY 2016 FY 2025
Free Cash Flow -2.5%
FY 2016: 27.3%FY 2017: 42.7%FY 2018: 47.1%FY 2019: -9.0%FY 2020: -54.3%FY 2021: 31.5%FY 2022: 220.6%FY 2023: 11.8%FY 2024: 16.1%FY 2025: -2.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.4×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.4×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.9×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.8×
FY 2016: 5.6×FY 2017: 5.2×FY 2018: 5.5×FY 2019: 2.8×FY 2020: -4.2×FY 2021: -17.5×FY 2022: 1.5×FY 2023: 3.2×FY 2024: 0.3×FY 2025: 1.8×
FY 2016 5y median 1.5× FY 2025
Interest Coverage 1.8×
FY 2016: 2.5×FY 2017: 2.7×FY 2018: 2.6×FY 2019: 2.8×FY 2020: 3.0×FY 2021: 3.3×FY 2022: 8.9×FY 2023: 3.1×FY 2024: 2.0×FY 2025: 1.8×
FY 2016 5y median 3.1× FY 2025

Dividends

Dividend Yield 1.2%
FY 2016: 0.3%FY 2017: 0.3%FY 2018: 0.3%FY 2019: 0.3%FY 2020: 0.4%FY 2021: 1.2%FY 2022: 1.2%FY 2023: 1.3%FY 2024: 1.2%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025
Payout Ratio 15.2%
FY 2016: 5.7%FY 2017: 7.8%FY 2018: 3.5%FY 2019: 3.0%FY 2020: 4.3%FY 2021: 23.0%FY 2022: 13.2%FY 2023: 9.8%FY 2024: 11.0%FY 2025: 15.2%
FY 2016 5y median 13.2% FY 2025

Annual · latest fiscal year ends 2025-12-31