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OLD SECOND BANCORP INC OSBC

Nasdaq · stock · State Commercial Banks · website · IPO 1993-11-11 · LEI

OLD SECOND BANCORP INC statistics & valuation

Market cap$1.2B
P / E15.0×
P / B1.3×
P / FCF10.2×
Dividend yield1.02%
Return on equity9.0%
Graham number -3.4%$24.91

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.91); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.00% 7.60% 14.80% 14.20% 9.10% 4.00% 14.60% 15.90% 12.70% 9.00% 2016201720182019202020212022202320242025
Shares outstanding
29.8M 30.0M 30.3M 30.4M 30.2M 44.5M 45.2M 45.4M 45.6M 52.7M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.60% 1.30% 1.50% 0.90% 0.30% 1.10% 1.60% 1.50% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.53 $0.50 $1.12 $1.30 $0.92 $0.65 $1.49 $2.02 $1.87 $1.62 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

OLD SECOND BANCORP INC trades at about 15.9× earnings — above its 10-year norm (10-year range 6.7×–29.4×, median 12.2×).

6.7× 29.4×

Shaded band = 10-year range (6.7×–29.4×); dot = today's 15.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.2%1.5%1.6%1.1%0.3%0.9%1.5%1.3%0.6%0.7%
Return on equity9.0%12.7%15.9%14.6%4.0%9.1%14.2%14.8%7.6%9.0%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.