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Old Second Bancorp Inc

Financial Services US OSBC

22.1USD
0.39(1.80%)

Last update at 2026-06-09T17:45:00Z

Day Range

21.4022.30
LowHigh

52 Week Range

11.5716.64
LowHigh

Fundamentals

  • Previous Close 21.71
  • Market Cap639.05M
  • Volume116993
  • P/E Ratio7.31
  • Dividend Yield1.39%
  • Revenue TTM268.00M
  • Revenue Per Share TTM6.00
  • Gross Profit TTM 242.72M
  • Diluted EPS TTM1.95

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 91.55M 27.87M 37.41M 51.86M 43.94M
Minority interest - - - - -
Net income 67.41M 20.04M 27.82M 39.45M 34.01M
Selling general administrative 90.19M 67.82M 56.32M 53.68M 52.60M
Selling and marketing expenses 0.59M 0.34M 0.30M 1.23M 1.57M
Gross profit 244.92M 133.46M 127.04M 131.58M 121.35M
Reconciled depreciation 2.63M 0.64M 3.29M 3.00M 2.81M
Ebit 105.95M 27.87M 37.41M 51.86M 63.04M
Ebitda 108.58M 28.51M 37.90M 52.40M 63.42M
Depreciation and amortization 2.63M 0.64M 0.49M 0.54M 0.39M
Non operating income net other - - - - -
Operating income 105.95M 27.87M 37.41M 51.86M 60.61M
Other operating expenses 138.97M 105.59M 52.62M 52.24M 53.43M
Interest expense 10.32M 8.45M 12.46M 18.84M 16.68M
Tax provision 24.14M 7.82M 9.58M 12.40M 9.92M
Interest income 215.54M 104.76M 103.73M 114.99M 107.15M
Net interest income 205.22M 96.31M 91.27M 96.16M 90.47M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 24.14M 7.82M 9.58M 12.40M 9.92M
Total revenue 244.92M 133.46M 127.04M 131.58M 121.35M
Total operating expenses -138.97300M -105.58900M 52.62M 52.24M 53.43M
Cost of revenue - - - - 17.91M
Total other income expense net -14.40200M -8.45100M -12.46400M -18.83500M -16.67800M
Discontinued operations - - - - -
Net income from continuing ops 67.41M 20.04M 27.82M 39.45M 34.01M
Net income applicable to common shares 67.41M 20.04M 27.82M 39.45M 34.01M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 5722.80M 5888.32M 6212.18M 3040.84M 2635.55M
Intangible assets 21.56M 24.87M 7.10M 4.22M 5.93M
Earning assets - - - - 514.16M
Other current assets 105.27M -335.93000M 1704.82M 1506.49M 1424.30M
Total liab 5145.52M 5427.18M 148.54M 93.54M 2357.68M
Total stockholder equity 577.28M 461.14M 502.02M 307.09M 277.86M
Deferred long term liab - - - - -
Other current liab 1834.89M -90.00000M 5466.23M 2537.07M -48.50000M
Common stock 44.70M 44.70M 44.70M 34.96M 34.85M
Capital stock 44.70M 44.70M 44.70M 34.96M 34.85M
Retained earnings 393.31M 310.51M 252.00M 236.58M 213.72M
Other liab - 43.38M 45.05M 36.16M 15.64M
Good will 86.48M 86.48M 102.64M 20.78M 21.27M
Other assets - 2236.20M 1719.13M 1506.49M 1424.30M
Cash 100.14M 115.18M 752.11M 329.90M 50.63M
Cash and equivalents - - - - -
Total current liabilities 2266.36M 90.00M 19.07M 23.39M 48.50M
Current deferred revenue - - - - -
Net debt 416.48M 113.48M -603.56800M -236.36200M 106.55M
Short term debt 431.47M 90.00M 19.07M 23.39M 48.50M
Short long term debt 405.00M 90.00M - 0.00000M 48.50M
Short long term debt total 516.62M 228.66M 148.54M 93.54M 157.18M
Other stockholder equity 202.05M 199.05M 196.54M 20.79M 24.73M
Property plant equipment - 73.92M 88.00M 47.95M 49.36M
Total current assets 105.27M 1929.06M 2602.83M 967.68M 655.03M
Long term investments 1192.83M 1539.36M 1692.49M 2013.61M 1914.08M
Net tangible assets - 360.99M 399.38M 286.31M 256.59M
Short term investments 1192.83M 1539.36M 1692.49M 496.18M 484.65M
Net receivables 395.27M 277.38M 158.23M 141.60M 119.75M
Long term debt 85.16M 138.66M 148.54M 93.54M 108.68M
Inventory -339.73700M 1.56M 14.32M 2.47M 5.00M
Accounts payable - 5110.72M 5466.23M 2537.07M 2126.75M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -62.78100M -93.12400M 8.77M 14.76M 4.56M
Additional paid in capital - - - - -
Common stock total equity - 44.70M 44.70M 34.96M 34.85M
Preferred stock total equity - - - - -
Retained earnings total equity - 310.51M 252.01M 236.58M 213.72M
Treasury stock - - - - -95.93200M
Accumulated amortization - - - - -
Non currrent assets other 5319.82M -49.31800M -6.10000M -8.12100M -11.45900M
Deferred long term asset charges - - - - -
Non current assets total 5617.53M 1723.06M 1890.23M 566.66M 556.21M
Capital lease obligations - - - - -
Long term debt total - 138.66M 148.54M 93.54M 108.68M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -441.99700M -19.28100M -103.05600M 42.58M 5.84M
Change to liabilities 18.27M -20.52600M 6.93M 8.41M 3.07M
Total cashflows from investing activities -432.77800M 132.92M -103.80800M 42.21M -25.84100M
Net borrowings -28.23700M 38.19M 2.38M -6.73700M 26.65M
Total cash from financing activities -301.49600M 258.24M 357.09M -99.45200M -29.66400M
Change to operating activities 5.51M -12.63000M 4.88M 5.45M 0.41M
Net income 67.41M 20.04M 27.82M 39.45M 34.01M
Change in cash -636.93000M 422.20M 279.27M -4.60300M -0.59800M
Begin period cash flow 752.11M 329.90M 50.63M 55.23M 55.83M
End period cash flow 115.18M 752.11M 329.90M 50.63M 55.23M
Total cash from operating activities 97.34M 31.05M 25.99M 52.64M 54.91M
Issuance of capital stock - - - - -
Depreciation 6.71M 3.80M 3.29M 3.00M 2.81M
Other cashflows from investing activities 13.55M 154.23M 3.17M 4.01M -29.78400M
Dividends paid 8.88M 4.61M 1.19M 1.20M 1.19M
Change to inventory - -9.28600M 0.81M 1.55M 1.68M
Change to account receivables -0.94000M 6.87M -17.69200M -6.31800M 1.22M
Sale purchase of stock -0.45500M -10.41700M -5.92200M -0.66600M -0.50500M
Other cashflows from financing activities -283.55200M 277.58M 400.11M -97.59100M -27.38000M
Change to netincome 6.85M 12.90M 4.26M 2.94M 3.72M
Capital expenditures 4.33M 2.03M 3.92M 4.38M 1.90M
Change receivables -0.94000M 6.87M -17.69200M -6.31800M 1.22M
Cash flows other operating -6.17100M 5.04M -1.60400M 2.40M 7.07M
Exchange rate changes - - - - -
Cash and cash equivalents changes -636.93000M 422.20M 279.27M -4.60300M -0.59800M
Change in working capital 16.61M -15.05100M -11.99600M 0.68M 3.30M
Stock based compensation 2.96M 1.44M 2.09M 2.52M 2.26M
Other non cash items 2.68M 14.34M 5.42M 0.55M 2.69M
Free cash flow 93.01M 29.01M 22.07M 48.26M 53.01M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
OSBC
Old Second Bancorp Inc
0.39 1.80% 22.10 7.31 7.07 2.23 1.04
HDB
HDFC Bank Limited ADR
0.23 1.02% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.27 0.88% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It offers demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificates of deposit accounts. The company also provides commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. In addition, it offers safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. Further, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.

Old Second Bancorp Inc

37 South River Street, Aurora, IL, United States, 60507

Key Executives

Name Title Year Born
Mr. James L. Eccher Pres, CEO, COO & Chairman 1965
Mr. Bradley S. Adams Exec. VP & CFO 1974
Mr. Richard A. Gartelmann Jr., CFP Head of Wealth Management & Exec. VP 1969
Mr. Donald J. Pilmer Chief Lending Officer & Exec. VP 1965
Ms. Shirley Cantrell Shareholder Relations Mang. NA
Mr. Andrew R. Crouch Sr. VP, Head of Trust and Fiduciary Services, Trust Counsel NA
Bob DiCosola Exec. VP of HR NA
Mr. Keith J. Gottschalk Exec. VP of Digital Banking Services 1963
Ms. Jacqueline Ann Runnberg Sr. VP & Wealth Advisor NA
Mr. Steven C. Meves Chief Investment Officer of Wealth Management Group NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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