Old Second Bancorp, Inc. logo OSBC - Old Second Bancorp, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 5
HOLD 1
SELL 0
STRONG
SELL
0
| PRICE TARGET: $23.67 DETAILS
HIGH: $25.00
LOW: $23.00
MEDIAN: $23.00
CONSENSUS: $23.67
UPSIDE: 12.29%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 397.0 336.2 321.0 255.2 141.9 139.5 149.4 137.0 116.5 100.5 97.1 95.8 98.8 110.8 120.0 151.6 175.7 193.2 187.6 170.7 148.4 123.3 117.1 110.8 107.1 93.7 85.5 88.5 79.2 73.7 59.4 48.9 46.8
Cost of Revenue 86.8 69.0 56.5 16.9 12.8 22.9 20.4 17.9 14.4 10.7 4.7 7.7 5.2 22.0 30.4 117.7 142.2 98.7 88.3 72.1 46.6 26.1 28.7 31.8 39.1 37.2 30.1 33.4 32.4 28.5 24.4 17.3 18.3
Gross Profit 310.2 267.1 264.5 238.4 129.1 116.6 129.0 119.1 102.1 89.8 92.4 88.1 93.5 88.7 89.6 33.9 33.5 94.5 99.3 98.7 101.8 97.2 88.4 79.0 68.0 56.5 55.5 55.1 46.8 45.2 35 31.6 28.5
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 129.2 103.1 93.2 90.8 60.2 56.6 54.9 54.2 47.7 44.2 43.4 41.2 44.3 43.7 43.3 45.1 46.2 48.0 39.7 37.9 37.4 34.7 34.1 29.4 24.6 21.7 20.7 21.8 19.1 18.6 13.1 11.9 11.2
Other Expenses 70.2 51.1 46.9 56.0 41.0 22.6 22.2 21.0 20.1 21.1 24.7 31.0 37.4 45.1 52.9 55.5 98.4 32.3 26.8 27.2 23.1 22.9 20.1 18.6 16.9 15.4 16.6 17.3 14.1 14.7 9.8 9.7 9
Operating Expenses 199.4 154.2 140.1 146.8 101.2 79.2 77.1 75.1 67.8 65.3 68.0 72.2 81.7 88.8 96.1 100.6 144.6 80.3 66.5 65.1 60.5 57.6 54.2 48.1 41.5 37.1 37.3 39.1 33.2 33.3 22.9 21.6 20.2
Operating Income
Operating Income 110.8 113.0 124.4 91.5 27.9 37.4 51.9 43.9 34.3 24.5 24.4 15.9 11.8 (0.1) (6.5) (66.8) (111.2) 14.1 32.8 33.5 41.3 39.6 34.2 30.9 26.5 19.4 18.2 16 13.6 11.9 12.1 10 8.3
Interest Expense 62.2 56.3 40.0 10.3 8.4 12.5 18.8 16.7 12.6 9.9 9.1 11.0 13.8 15.7 21.5 28.1 45.5 68.4 87.1 70.8 46.2 29.0 25.5 28.0 35.3 35.8 29.2 32.2 31.1 27.8 24.1 17.2 17
Interest Income 354.1 295.6 290.1 215.5 104.7 103.7 115.0 107.1 87.1 73.0 67.9 67.7 68.7 74.8 85.1 106.4 132.4 157.8 155.7 142.0 120.2 97.4 87.8 85.5 84.8 77.1 67.0 68.1 65.2 59.7 52.6 42.6 40.6
Profitability
EBITDA 120.8 122.1 132.1 98.4 31.7 40.7 54.9 46.7 36.7 26.8 26.7 19.6 16.7 4.4 (1.6) (61.0) (104.5) 21.3 39.4 41.1 48.9 46.7 41.4 33.4 29.8 22.4 20.7 21 15.5 15.4 14.3 11.2 10.7
EBIT 110.8 113.0 124.4 91.5 27.9 37.4 51.9 43.9 34.3 24.5 24.4 15.9 11.8 (0.1) (6.5) (66.8) (111.2) 14.1 32.8 33.5 41.3 39.6 34.2 30.9 26.5 19.4 18.2 16 13.6 11.9 12.1 10 8.3
Income Before Tax 107.8 113.0 124.4 91.5 27.9 37.4 51.9 43.9 34.3 24.5 24.4 15.9 11.8 (0.1) (6.5) (66.8) (111.2) 14.1 32.8 33.5 41.3 39.6 34.2 30.9 26.5 19.4 18.2 16 13.6 11.9 12.1 10 8.3
Income Tax Expense 27.4 27.7 32.7 24.1 7.8 9.6 12.4 9.9 19.2 8.8 9.0 5.8 (70.2) 0 0 41.9 (45.6) 2.3 8.8 9.9 13.6 13.3 12.1 10.8 9.3 6.0 5.8 5 4 3.6 3.3 2.7 1.7
Net Income 80.3 85.3 91.7 67.4 20.0 27.8 39.5 34.0 15.1 15.7 15.4 10.1 82.1 (0.1) (6.5) (108.6) (65.6) 11.8 24.0 23.7 27.7 26.3 22.1 20.1 17.2 13.5 12.4 11 9.6 8.3 8.8 7.3 6.6
Per Share Data
EPS (Basic) 1.64 1.90 2.05 1.51 0.66 0.94 1.32 1.14 0.51 0.53 0.46 0.46 5.45 -0.36 -0.79 -8.03 -4.60 0.87 1.92 1.77 2.05 1.96 1.57 1.36 1.12 0.86 0.77 0.34 0.11 0.10 0.56 0.08 0.07
EPS (Diluted) 1.62 1.87 2.02 1.49 0.65 0.92 1.30 1.12 0.50 0.53 0.46 0.46 5.45 -0.36 -0.79 -8.03 -4.60 0.86 1.89 1.75 2.03 1.94 1.56 1.35 1.11 0.86 0.77 0.34 0.11 0.10 0.56 0.08 0.07
Shares Outstanding 52.7 44.8 44.7 44.5 30.2 29.6 29.9 29.7 29.6 29.5 29.5 25.8 13.9 14.1 14.0 14.1 13.8 13.6 12.5 13.4 13.5 13.4 14.1 14.9 15.4 15.7 16.2 16.3 16.3 15.7 15.7 14.3 14.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 124.0 99.3 100.1 115.2 752.1 329.9 50.6 55.2 55.8 47.3 78.3 66.9 58.7 55.2 49.7 40.7 48.3 69.3 92.2 87 78.7 85.2 75.6 64.1
Short-Term Investments 72.4 1,161.7 1,192.8 1,539.4 1,693.6 496.2 484.6 541.2 541.4 531.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 489.6 395.3 274.5 172.6 137.7 119.8 78.8 68.3 55.5 106.7 44.9 21.8 19.8 17.4 12.2 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 196.4 1,750.6 1,688.2 1,929.1 2,618.3 963.8 655.0 675.3 665.6 634.6 185.0 111.8 80.5 74.9 67.1 52.9 48.3 69.3 92.2 87 78.7 85.2 75.6 64.1
Non-Current Assets
Property, Plant & Equipment 86.6 87.3 79.3 72.4 88.0 45.5 44.4 42.4 37.6 39.0 58.4 62.5 36.2 33.0 29.7 24.4 22.2 20.7 21 20.8 15.5 14.6 13.1 13
Goodwill 129.2 93.3 86.5 86.5 86.3 18.6 21.3 21.8 8.9 9.0 0 59.0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 23.7 32.4 21.6 24.9 23.4 6.4 5.9 7.4 6.9 6.5 9.1 9.2 21.8 19.8 17.4 12.2 0 0 0 0 0 0 0 0
Long-Term Investments 1,090.5 3,449.7 3,604.7 3,546.1 3,208.7 1,875.9 1,794.3 1,802.2 1,535.9 1,412.1 2,239.2 2,659.5 1,978.6 1,727.0 1,484.0 1,252.0 1,050.2 881.7 877.8 819.1 716.2 647.2 561.9 534.3
Other Non-Current Assets 0 209.5 211.4 184.7 181.4 122.5 103.2 105.6 103.1 96.5 105.0 82.5 5.5 0.7 23.7 0.2 24.0 23.9 23.3 21.5 17.4 13.7 17.1 13
Total Non-Current Assets 1,361.3 3,898.7 4,034.6 3,959.3 3,593.9 2,077.0 1,980.5 2,000.7 1,717.8 1,616.6 2,411.7 2,872.8 2,023.2 1,763.9 1,540.9 1,280.4 1,101.1 929.2 922.1 861.4 749.1 675.5 592.1 560.3
Total Assets 6,902.7 5,649.4 5,722.8 5,888.3 6,212.2 3,040.8 2,635.5 2,676.0 2,383.4 2,251.2 2,596.7 2,984.6 2,102.3 1,838.8 1,608.1 1,333.3 1,149.4 998.5 1,014.3 948.4 827.8 760.7 667.7 624.4
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 15.9 33.2 14.5 12.6 15.7 20.5 0 0 0 0 0 0 0 0
Short-Term Debt 238.8 56.7 431.5 122.2 50.3 67.0 97.2 196.1 144.9 95.7 73.4 244.6 121.0 153.9 68.6 63.7 23.7 27.6 37.1 31 6.2 9.2 9.6 7.7
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1,739.1 4,768.7 4,570.7 5,110.7 5,466.2 2,537.1 2,126.7 2,116.7 1,922.9 1,866.8 2,206.3 2,387.1 1,798.8 1,524.6 1,390.7 1,090.8 996.5 848.3 826.3 788.9 732.7 669.3 595.2 550.7
Total Current Liabilities 1,977.9 4,825.4 5,002.2 5,232.9 5,516.6 2,604.1 2,223.9 2,312.8 2,067.8 1,962.5 2,311.5 2,698.1 1,934.3 1,691.1 1,475.0 1,175 1,020.2 875.9 863.4 819.9 738.9 678.5 604.8 558.4
Non-Current Liabilities
Long-Term Debt 100.2 85.2 85.2 138.7 148.5 93.5 108.7 117.2 101.7 101.6 103.9 103.4 34.3 30.7 0 33.4 3.4 9.5 36.2 24.1 0 0 0 3.1
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 3,927.9 67.7 58.1 55.6 45.1 36.2 25.1 16.9 13.5 11.9 (15.9) (10.0) 0 0 0 0 12.8 9.3 12.8 12.3 7.5 6.8 4.7 4.5
Total Non-Current Liabilities 4,028.0 153.0 143.3 194.3 193.6 129.7 133.7 134.1 115.2 113.5 88.0 93.4 34.3 30.7 16.7 33.4 16.3 18.8 49 36.4 7.5 6.8 4.7 7.6
Total Liabilities 6,005.9 4,978.3 5,145.5 5,427.2 5,710.2 2,733.8 2,357.7 2,446.9 2,183.1 2,076.0 2,399.4 2,791.5 1,967.3 1,721.8 1,475.0 1,208.4 1,036.5 894.7 912.4 856.3 746.4 685.3 609.5 566
Stockholders' Equity
Common Stock 53.0 44.9 44.7 44.7 44.7 35.0 34.9 34.7 34.6 34.5 18.4 18.3 16.5 8.2 8.2 6.1 6.1 15.9 0 0 0 0 0 0
Retained Earnings 537.2 469.2 393.3 310.5 252.0 236.6 213.7 175.5 143.0 129.0 141.8 213.0 156.0 144.2 127.5 115.0 102.1 92.1 83.2 74.9 65.6 58.5 51 45.5
Accumulated Other Comprehensive Income (28.7) (47.7) (62.8) (93.1) 8.8 14.8 4.6 (4.1) 1.5 (8.8) (1.6) (2.1) 0.3 3.0 5.4 4.7 1.5 (2.0) 2.8 1.4 0.4 1.5 (5.6) 0
Total Stockholders' Equity 896.8 671.0 577.3 461.1 502.0 307.1 277.9 229.1 200.3 175.2 197.2 193.1 135.0 117.0 133.1 124.9 113.0 103.8 101.9 92.1 81.4 75.4 58.2 58.4
Total Liabilities & Equity 6,902.7 5,649.4 5,722.8 5,888.3 6,212.2 3,040.8 2,635.5 2,676.0 2,383.4 2,251.2 2,596.7 2,984.6 2,102.3 1,838.8 1,608.1 1,333.3 1,149.4 998.5 1,014.3 948.4 827.8 760.7 667.7 624.4
Debt Metrics
Total Debt 338.9 141.9 516.6 260.8 198.9 160.5 205.9 313.4 246.6 197.3 177.2 348.0 155.4 184.6 68.6 97.1 27.2 37.1 73.3 55.1 6.2 9.2 9.6 10.8
Net Debt 214.9 42.6 416.5 145.6 (553.2) (169.4) 155.2 258.1 190.8 150.0 99.0 281.1 96.7 129.4 18.9 56.3 (21.1) (32.2) (18.9) (31.9) (72.5) (76) (66) (53.3)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 80.3 85.3 91.7 67.4 20.0 27.8 39.5 34.0 15.1 15.7 27.7 26.3 22.1 20.1 17.2 13.5 12.4 11 9.6 8.3 8.8 7.3 6.6
Depreciation & Amortization 11.3 9.2 7.7 6.9 3.8 3.3 3.0 2.8 2.4 2.3 7.6 7.1 7.3 2.5 3.3 2.9 2.5 5 1.9 3.5 2.2 1.2 2.4
Stock-Based Compensation 5.5 3.9 3.6 3.0 1.4 2.1 2.5 2.3 1.2 0.7 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (0.3) 20.0 (7.1) 16.6 (14.9) (11.2) 0.6 3.3 (6.9) (0.1) (1.2) 0.7 (3.5) (9.4) 9.1 0.2 (2.5) 1.2 (0.6) 3.6 0.7 (0.4) 0.4
Other Non-Cash Items 23.9 14.6 18.6 2.5 14.2 4.6 0.6 2.7 3.7 0.3 (4.0) (25.2) 37.4 1.2 (29.3) (2.5) 28.3 (8.5) (14.4) 17.2 (0.5) 6.7 (0.3)
Operating Cash Flow 122.3 131.5 116.4 97.3 31.0 26.0 52.6 54.9 37.1 27.3 31.1 10.1 63.2 13.1 (0.5) 13.6 40.0 8 (3.8) 32.2 11.2 16.2 9.1
Investing Activities
Capital Expenditure (4.5) (10.8) (12.4) (4.3) (2.0) (3.9) (4.4) (1.9) (1.1) (2.0) (9.8) (6.2) (5.9) (7.6) (4.1) (3.3) (1.7) (2.3) (3.3) (2) (1.5) (1.3) (1)
Acquisitions 10.5 237.4 0 (0.1) 149.0 0 0 (35.7) 0 (181.4) 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (191.6) (265.5) (13.4) (301.6) (886.1) (65.2) (159.5) (75.0) (343.5) (210.7) (194.5) (214.3) (274.2) (281.3) (162.4) (91.2) (64.1) (133.3) (57.1) (90.2) (47.7) (52) (78.2)
Sales/Maturities of Investments 405.5 309.5 391.8 310.8 744.7 66.1 233.1 135.3 349.9 388.1 158.4 164.7 244.3 216.2 161.7 55.5 77.0 107.2 80.8 65 51.1 33.8 54.6
Other Investing Activities (60.1) 52.0 (204.4) (437.5) 127.3 (100.7) (26.9) (48.5) (137.8) (117.1) (218.2) (188.8) (258.9) (166.9) (166.6) (117.7) (54.1) (27.1) (54.8) (47) (41.7) (26.3) (21.4)
Investing Cash Flow 159.8 322.7 161.6 (432.8) 132.9 (103.8) 42.2 (25.8) (132.5) (123.1) (264.2) (244.6) (294.7) (239.6) (171.4) (156.8) (43.0) (55.5) (34.4) (74.2) (39.8) (45.8) (46)
Financing Activities
Net Debt Issuance 166.6 (385) 261 79.9 54.8 (64.4) (109.8) 15.6 45 53.5 108.9 (30.7) 116.0 (28.4) 69.9 (9.9) (36.2) 18.2 47.9 (13.3) (0.4) (1.3) (3.6)
Stock Repurchased (7.4) (1.0) (0.6) (0.5) (10.4) (5.9) (0.7) (0.5) (0.2) (0.3) 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (12.2) (9.4) (8.9) (8.9) (4.6) (1.2) (1.2) (1.2) (1.2) (0.9) (6.7) (5.9) (5.6) (5.2) (4.0) (3.5) (3.4) (2.9) (2.7) (2.5) (2) (1.7) (1.9)
Other Financing Activities (404.3) (59.6) (544.4) (372.1) 218.4 428.6 12.2 (43.5) 60.3 50.5 136.4 274.2 134.0 299.8 94.3 148.1 22.0 37.4 (1) 51.9 37.5 44.1 42.9
Financing Cash Flow (257.4) (455.1) (293.0) (301.5) 258.2 357.1 (99.5) (29.7) 103.9 102.8 239.5 238.0 213.6 258.8 156.0 130.5 (19.8) 52.7 44.2 36.1 35.1 41.1 37.4
Cash Position
Net Change in Cash 24.7 (0.8) (15.0) (636.9) 422.2 279.3 (4.6) (0.6) 8.5 7.0 6.5 3.5 (17.9) 32.3 (15.8) (12.7) (22.9) 5.2 6 (86.9) (78.8) (64.1) (63.5)
Cash at Beginning 99.3 100.1 115.2 752.1 329.9 50.6 55.2 55.8 47.3 40.3 58.7 55.2 73.1 40.7 56.6 69.3 92.2 87 81 86.9 78.8 64.1 63.5
Cash at End 124.0 99.3 100.1 115.2 752.1 329.9 50.6 55.2 55.8 47.3 65.1 58.7 55.2 73.1 40.7 56.6 69.3 92.2 87 143.1 113.9 105.2 100.9
Free Cash Flow 117.8 120.7 104.0 93.0 29.0 22.1 48.3 53.0 36.0 25.3 21.3 3.8 57.3 5.5 (4.6) 10.3 38.2 5.7 (7.1) 30.2 9.7 14.9 8.1
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 397.0 336.2 321.0 255.2 141.9 139.5 149.4 137.0 116.5 100.5 97.1 95.8 98.8 110.8 120.0 151.6 175.7 193.2 187.6 170.7 148.4 123.3 117.1 110.8 107.1 93.7 85.5 88.5 79.2 73.7 59.4 48.9 46.8
Gross Profit 310.2 267.1 264.5 238.4 129.1 116.6 129.0 119.1 102.1 89.8 92.4 88.1 93.5 88.7 89.6 33.9 33.5 94.5 99.3 98.7 101.8 97.2 88.4 79.0 68.0 56.5 55.5 55.1 46.8 45.2 35 31.6 28.5
Operating Income 110.8 113.0 124.4 91.5 27.9 37.4 51.9 43.9 34.3 24.5 24.4 15.9 11.8 (0.1) (6.5) (66.8) (111.2) 14.1 32.8 33.5 41.3 39.6 34.2 30.9 26.5 19.4 18.2 16 13.6 11.9 12.1 10 8.3
Net Income 80.3 85.3 91.7 67.4 20.0 27.8 39.5 34.0 15.1 15.7 15.4 10.1 82.1 (0.1) (6.5) (108.6) (65.6) 11.8 24.0 23.7 27.7 26.3 22.1 20.1 17.2 13.5 12.4 11 9.6 8.3 8.8 7.3 6.6
EPS (Diluted) 1.62 1.87 2.02 1.49 0.65 0.92 1.30 1.12 0.50 0.53 0.46 0.46 5.45 -0.36 -0.79 -8.03 -4.60 0.86 1.89 1.75 2.03 1.94 1.56 1.35 1.11 0.86 0.77 0.34 0.11 0.10 0.56 0.08 0.07
Balance Sheet
Cash & Equivalents 124.0 99.3 100.1 115.2 752.1 329.9 50.6 55.2 55.8 47.3 78.3 66.9 58.7 55.2 49.7 40.7 48.3 69.3 92.2 87 78.7 85.2 75.6 64.1
Total Assets 6,902.7 5,649.4 5,722.8 5,888.3 6,212.2 3,040.8 2,635.5 2,676.0 2,383.4 2,251.2 2,596.7 2,984.6 2,102.3 1,838.8 1,608.1 1,333.3 1,149.4 998.5 1,014.3 948.4 827.8 760.7 667.7 624.4
Total Debt 338.9 141.9 516.6 260.8 198.9 160.5 205.9 313.4 246.6 197.3 177.2 348.0 155.4 184.6 68.6 97.1 27.2 37.1 73.3 55.1 6.2 9.2 9.6 10.8
Stockholders' Equity 896.8 671.0 577.3 461.1 502.0 307.1 277.9 229.1 200.3 175.2 197.2 193.1 135.0 117.0 133.1 124.9 113.0 103.8 101.9 92.1 81.4 75.4 58.2 58.4
Cash Flow
Operating Cash Flow 122.3 131.5 116.4 97.3 31.0 26.0 52.6 54.9 37.1 27.3 31.1 10.1 63.2 13.1 (0.5) 13.6 40.0 8 (3.8) 32.2 11.2 16.2 9.1
Capital Expenditure (4.5) (10.8) (12.4) (4.3) (2.0) (3.9) (4.4) (1.9) (1.1) (2.0) (9.8) (6.2) (5.9) (7.6) (4.1) (3.3) (1.7) (2.3) (3.3) (2) (1.5) (1.3) (1)
Free Cash Flow 117.8 120.7 104.0 93.0 29.0 22.1 48.3 53.0 36.0 25.3 21.3 3.8 57.3 5.5 (4.6) 10.3 38.2 5.7 (7.1) 30.2 9.7 14.9 8.1