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Old Second Bancorp (OSBC) Financials

Old Second Bancorp logo
$16.67 -0.08 (-0.48%)
Closing price 05/30/2025 04:00 PM Eastern
Extended Trading
$16.54 -0.13 (-0.78%)
As of 05/30/2025 04:21 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Old Second Bancorp

Annual Income Statements for Old Second Bancorp

This table shows Old Second Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 85 92 67
Consolidated Net Income / (Loss)		 85 92 67
Net Income / (Loss) Continuing Operations		 85 92 67
Total Pre-Tax Income 		113 124 92
Total Revenue		 285 286 249
Net Interest Income / (Expense)		 242 252 206
Total Interest Income		 298 292 216
Loans and Leases Interest Income		 253 244 177
Investment Securities Interest Income		 42 45 38
Deposits and Money Market Investments Interest Income		 2.39 2.50 2.18
Total Interest Expense		 56 40 10
Deposits Interest Expense		 38 15 3.35
Short-Term Borrowings Interest Expense		 15 19 0.48
Long-Term Debt Interest Expense		 3.31 5.78 6.45
Federal Funds Purchased and Securities Sold Interest Expense		 0.34 0.09 0.04
Total Non-Interest Income		 44 34 43
Other Service Charges		 38 36 38
Net Realized & Unrealized Capital Gains on Investments		 1.81 -2.67 1.08
Other Non-Interest Income		 3.80 0.70 3.90
Provision for Credit Losses		 13 17 6.55
Total Non-Interest Expense		 160 145 151
Salaries and Employee Benefits		 98 89 87
Net Occupancy & Equipment Expense		 26 22 31
Marketing Expense		 1.24 0.72 0.59
Property & Liability Insurance Claims		 1.33 0.93 0.87
Other Operating Expenses		 31 31 30
Amortization Expense		 2.44 2.46 2.63
Income Tax Expense		 28 33 24
Basic Earnings per Share		 $1.90 $2.05 $1.51
Weighted Average Basic Shares Outstanding		 45.05M 44.80M 44.67M
Diluted Earnings per Share		 $1.87 $2.02 $1.49
Weighted Average Diluted Shares Outstanding		 45.05M 44.80M 44.67M
Weighted Average Basic & Diluted Shares Outstanding		 45.05M 44.80M 44.67M
Cash Dividends to Common per Share		 $0.21 $0.20 $0.20

Quarterly Income Statements for Old Second Bancorp

This table shows Old Second Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 20 19 23 22 21 18 24 26 24 24 20
Consolidated Net Income / (Loss)		 20 19 23 22 21 18 24 26 24 24 20
Net Income / (Loss) Continuing Operations		 20 19 23 22 21 18 24 26 24 24 20
Total Pre-Tax Income 		26 25 30 29 29 25 32 35 32 32 27
Total Revenue		 73 73 71 71 70 70 73 72 71 73 67
Net Interest Income / (Expense)		 63 62 61 60 60 61 63 64 64 64 56
Total Interest Income		 74 75 76 73 73 74 74 74 70 68 58
Loans and Leases Interest Income		 62 64 65 62 63 63 63 62 57 55 47
Investment Securities Interest Income		 11 11 11 10 10 10 11 12 12 12 11
Deposits and Money Market Investments Interest Income		 0.99 0.54 0.62 0.63 0.61 0.62 0.66 0.64 0.59 0.46 0.66
Total Interest Expense		 11 14 15 14 14 12 11 10 6.07 3.65 2.44
Deposits Interest Expense		 9.74 10 10 9.28 8.08 6.15 4.54 2.90 1.81 1.35 0.72
Short-Term Borrowings Interest Expense		 0.02 2.53 4.19 3.34 4.56 5.43 5.84 5.16 2.35 0.44 0.04
Long-Term Debt Interest Expense		 0.83 0.84 0.82 0.83 0.83 0.84 0.79 2.24 1.91 1.86 1.67
Federal Funds Purchased and Securities Sold Interest Expense		 0.07 0.08 0.09 0.08 0.09 0.05 0.03 0.01 0.01 0.01 0.01
Total Non-Interest Income		 10 12 11 11 11 8.73 9.88 8.22 7.35 8.95 11
Other Service Charges		 9.81 9.94 10 9.18 8.92 9.10 9.19 8.86 9.00 9.57 10
Net Realized & Unrealized Capital Gains on Investments		 0.46 0.52 0.51 0.47 0.32 0.36 -0.52 -1.15 -1.37 -0.57 0.45
Other Non-Interest Income		 -0.07 1.15 -0.09 1.48 1.27 -0.74 1.20 0.51 -0.28 -0.06 0.69
Provision for Credit Losses		 2.40 3.50 2.00 3.75 3.50 8.00 3.00 2.00 3.50 1.50 4.50
Total Non-Interest Expense		 45 44 39 38 38 37 37 35 36 40 36
Salaries and Employee Benefits		 27 26 25 23 24 21 23 22 22 24 21
Net Occupancy & Equipment Expense		 6.90 7.12 6.25 6.08 6.18 6.11 5.43 4.93 5.25 7.11 6.66
Marketing Expense		 0.17 0.28 0.30 0.47 0.19 0.38 0.09 0.10 0.14 0.13 0.08
Property & Liability Insurance Claims		 0.47 0.66 0.20 0.24 0.23 0.23 0.10 0.28 0.32 0.23 0.21
Other Operating Expenses		 8.94 9.94 7.31 7.09 6.75 8.30 8.07 7.10 7.34 7.32 7.36
Amortization Expense		 1.04 0.72 0.57 0.57 0.58 0.60 0.62 0.62 0.62 0.65 0.66
Income Tax Expense		 6.37 6.26 6.90 7.30 7.23 6.71 8.15 9.41 8.41 8.24 7.05
Basic Earnings per Share		 $0.44 $0.42 $0.52 $0.48 $0.48 $0.40 $0.55 $0.57 $0.53 $0.53 $0.43
Weighted Average Basic Shares Outstanding		 45.06M 45.05M 44.85M 44.85M 44.85M 44.80M 44.70M 44.68M 44.67M 44.67M 44.57M
Diluted Earnings per Share		 $0.43 $0.42 $0.50 $0.48 $0.47 $0.40 $0.54 $0.56 $0.52 $0.52 $0.43
Weighted Average Diluted Shares Outstanding		 45.06M 45.05M 44.85M 44.85M 44.85M 44.80M 44.70M 44.68M 44.67M 44.67M 44.57M
Weighted Average Basic & Diluted Shares Outstanding		 45.06M 45.05M 44.85M 44.85M 44.85M 44.80M 44.70M 44.68M 44.67M 44.67M 44.57M
Cash Dividends to Common per Share		 $0.06 $0.06 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05

Annual Cash Flow Statements for Old Second Bancorp

This table details how cash moves in and out of Old Second Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -0.82 -15 -637
Net Cash From Operating Activities		 132 116 97
Net Cash From Continuing Operating Activities		 132 116 97
Net Income / (Loss) Continuing Operations		 85 92 67
Consolidated Net Income / (Loss)		 85 92 67
Provision For Loan Losses		 14 17 6.65
Depreciation Expense		 5.59 4.49 4.09
Amortization Expense		 4.67 2.71 1.50
Non-Cash Adjustments to Reconcile Net Income		 -2.10 5.71 0.35
Changes in Operating Assets and Liabilities, net		 24 -5.00 17
Net Cash From Investing Activities		 323 162 -433
Net Cash From Continuing Investing Activities		 323 162 -433
Purchase of Property, Leasehold Improvements and Equipment		 -11 -12 -4.33
Purchase of Investment Securities		 20 -224 -754
Sale and/or Maturity of Investments		 313 398 325
Other Investing Activities, net		 1.24 0.00 0.00
Net Cash From Financing Activities		 -455 -293 -301
Net Cash From Continuing Financing Activities		 -455 -293 -301
Net Change in Deposits		 -70 -539 -354
Issuance of Debt		 -385 315 90
Repayment of Debt		 0.00 -54 -10
Repurchase of Common Equity		 -1.05 -0.61 -0.46
Payment of Dividends		 -9.41 -8.95 -8.88
Other Financing Activities, Net		 10 -5.69 -18
Cash Income Taxes Paid		 23 36 11

Quarterly Cash Flow Statements for Old Second Bancorp

This table details how cash moves in and out of Old Second Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 157 -16 -5.13 23 -2.05 -8.89 -3.58 9.59 -12 -0.98 -165
Net Cash From Operating Activities		 18 24 48 12 47 29 82 -29 35 37 33
Net Cash From Continuing Operating Activities		 18 24 48 12 47 29 82 -29 35 37 33
Net Income / (Loss) Continuing Operations		 20 19 23 22 21 18 24 26 24 24 20
Consolidated Net Income / (Loss)		 20 19 23 22 21 18 24 26 24 24 20
Provision For Loan Losses		 2.85 5.24 2.00 3.75 3.50 8.29 2.71 2.00 3.77 1.50 4.50
Depreciation Expense		 1.41 1.42 1.45 1.37 1.35 1.24 1.11 1.09 1.05 1.01 0.98
Amortization Expense		 1.76 1.20 1.03 1.20 1.24 0.97 0.97 0.53 0.24 -4.74 1.62
Non-Cash Adjustments to Reconcile Net Income		 1.01 -1.82 -0.53 0.80 -0.54 4.37 -3.13 1.47 3.00 10 -6.05
Changes in Operating Assets and Liabilities, net		 -9.02 -1.16 22 -17 20 -4.01 56 -60 3.33 5.72 12
Net Cash From Investing Activities		 77 259 -7.42 -23 94 37 75 92 -43 74 -157
Net Cash From Continuing Investing Activities		 77 259 -7.42 -23 94 37 75 92 -43 74 -157
Purchase of Property, Leasehold Improvements and Equipment		 -1.61 -2.15 -2.35 -2.96 -3.33 -4.16 -5.17 -1.49 -1.56 -1.66 -1.14
Purchase of Investment Securities		 -46 159 -36 -157 54 -56 -4.09 -28 -137 -1.98 -243
Sale and/or Maturity of Investments		 124 103 31 136 43 97 85 121 95 77 88
Net Cash From Financing Activities		 62 -300 -46 34 -143 -75 -161 -53 -4.24 -112 -41
Net Cash From Continuing Financing Activities		 62 -300 -46 34 -143 -75 -161 -53 -4.24 -112 -41
Net Change in Deposits		 84 35 -56 -87 38 -43 -103 -179 -213 -170 -61
Repayment of Debt		 -20 - - - 0.00 - - -45 -9.00 -1.00 -1.00
Repurchase of Common Equity		 -1.43 -0.26 - -0.02 -0.78 - - - -0.61 -0.01 -0.05
Payment of Dividends		 -2.69 -2.69 -2.25 -2.24 -2.24 -2.23 -2.24 -2.24 -2.24 -2.23 -2.23
Other Financing Activities, Net		 2.01 -17 7.32 13 7.08 0.58 -5.64 3.64 -4.26 -3.34 -2.10

Annual Balance Sheets for Old Second Bancorp

This table presents Old Second Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 5,649 5,723 5,888
Cash and Due from Banks		 52 56 57
Interest Bearing Deposits at Other Banks		 47 45 59
Trading Account Securities		 1,162 1,193 1,539
Loans and Leases, Net of Allowance		 3,938 3,999 3,820
Loans and Leases		 3,981 4,043 3,870
Allowance for Loan and Lease Losses		 44 44 49
Loans Held for Sale		 1.56 1.32 0.49
Premises and Equipment, Net		 87 79 72
Goodwill		 93 86 86
Intangible Assets		 22 11 14
Other Assets		 246 253 241
Total Liabilities & Shareholders' Equity		 5,649 5,723 5,888
Total Liabilities		 4,978 5,146 5,427
Non-Interest Bearing Deposits		 1,705 1,835 2,052
Interest Bearing Deposits		 3,064 2,736 3,059
Short-Term Debt		 57 431 122
Long-Term Debt		 85 85 139
Other Long-Term Liabilities		 68 58 56
Total Equity & Noncontrolling Interests		 671 577 461
Total Preferred & Common Equity		 671 577 461
Total Common Equity		 671 577 461
Common Stock		 250 247 247
Retained Earnings		 469 393 311
Treasury Stock		 -0.58 -0.18 -3.23
Accumulated Other Comprehensive Income / (Loss)		 -48 -63 -93

Quarterly Balance Sheets for Old Second Bancorp

This table presents Old Second Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 5,728 5,672 5,663 5,616 5,758 5,884 5,920 5,968
Cash and Due from Banks		 53 63 55 49 56 59 51 65
Interest Bearing Deposits at Other Banks		 203 52 66 49 53 53 52 51
Trading Account Securities		 1,147 1,191 1,174 1,169 1,230 1,336 1,455 1,610
Loans and Leases, Net of Allowance		 3,899 3,947 3,934 3,925 3,978 3,960 3,950 3,820
Loans and Leases		 3,940 3,991 3,977 3,969 4,030 4,016 4,003 3,869
Allowance for Loan and Lease Losses		 42 44 42 44 52 55 53 49
Loans Held for Sale		 4.20 2.45 2.29 1.07 2.30 1.22 3,951 1.30
Premises and Equipment, Net		 87 83 83 81 76 73 73 77
Goodwill		 93 86 86 86 86 86 86 86
Intangible Assets		 21 9.49 10 11 12 12 13 14
Other Assets		 220 237 252 244 265 303 239 242
Total Liabilities & Shareholders' Equity		 5,728 5,672 5,663 5,616 5,758 5,884 5,920 5,968
Total Liabilities		 5,033 5,010 5,043 5,020 5,226 5,370 5,423 5,534
Non-Interest Bearing Deposits		 1,714 1,669 1,728 1,800 1,863 1,898 1,950 2,098
Interest Bearing Deposits		 3,139 2,796 2,793 2,808 2,752 2,820 2,947 3,183
Short-Term Debt		 39 389 377 254 461 517 343 60
Long-Term Debt		 85 85 85 85 85 85 130 140
Other Long-Term Liabilities		 56 71 60 73 65 51 54 53
Total Equity & Noncontrolling Interests		 694 661 619 596 533 514 497 434
Total Preferred & Common Equity		 694 661 619 596 533 514 497 434
Total Common Equity		 694 661 619 596 533 514 497 434
Common Stock		 250 250 249 248 246 246 245 246
Retained Earnings		 486 453 432 412 377 355 332 289
Treasury Stock		 -0.81 -0.83 -0.85 -0.91 -0.40 -0.75 -0.75 -3.43
Accumulated Other Comprehensive Income / (Loss)		 -41 -40 -61 -63 -91 -86 -79 -98

Annual Metrics And Ratios for Old Second Bancorp

This table displays calculated financial ratios and metrics derived from Old Second Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -0.23% 14.78% 83.32%
EBITDA Growth		 -6.37% 35.48% 190.68%
EBIT Growth		 -9.21% 35.89% 228.52%
NOPAT Growth		 -7.05% 36.09% 236.29%
Net Income Growth		 -7.05% 36.09% 236.29%
EPS Growth		 -7.43% 35.57% 129.23%
Operating Cash Flow Growth		 13.00% 19.58% 213.54%
Free Cash Flow Firm Growth		 230.69% -704.51% 121.74%
Invested Capital Growth		 -25.69% 51.52% 3.00%
Revenue Q/Q Growth		 1.14% -1.06% 15.65%
EBITDA Q/Q Growth		 -0.80% -0.74% 65.60%
EBIT Q/Q Growth		 0.39% -5.27% 90.11%
NOPAT Q/Q Growth		 1.05% -5.55% 94.12%
Net Income Q/Q Growth		 1.05% -5.55% 94.12%
EPS Q/Q Growth		 1.08% -5.61% 136.51%
Operating Cash Flow Q/Q Growth		 -3.72% -6.58% 141.30%
Free Cash Flow Firm Q/Q Growth		 1,232.26% 19.39% 154.33%
Invested Capital Q/Q Growth		 -28.41% 1.42% 13.91%
Profitability Metrics		 - - -
EBITDA Margin		 43.16% 46.00% 38.97%
EBIT Margin		 39.57% 43.48% 36.73%
Profit (Net Income) Margin		 29.87% 32.06% 27.04%
Tax Burden Percent		 75.48% 73.73% 73.63%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 24.52% 26.27% 26.37%
Return on Invested Capital (ROIC)		 8.94% 10.10% 9.47%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.94% 10.10% 9.47%
Return on Net Nonoperating Assets (RNNOA)		 4.72% 7.56% 4.52%
Return on Equity (ROE)		 13.66% 17.67% 14.00%
Cash Return on Invested Capital (CROIC)		 38.41% -30.86% 6.52%
Operating Return on Assets (OROA)		 1.99% 2.14% 1.51%
Return on Assets (ROA)		 1.50% 1.58% 1.11%
Return on Common Equity (ROCE)		 13.66% 17.67% 14.00%
Return on Equity Simple (ROE_SIMPLE)		 12.71% 15.89% 14.62%
Net Operating Profit after Tax (NOPAT)		 85 92 67
NOPAT Margin		 29.87% 32.06% 27.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.75% 38.80% 47.32%
Operating Expenses to Revenue		 55.96% 50.75% 60.65%
Earnings before Interest and Taxes (EBIT)		 113 124 92
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 123 132 97
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.18 1.18 1.50
Price to Tangible Book Value (P/TBV)		 1.43 1.42 1.92
Price to Revenue (P/Rev)		 2.78 2.37 2.78
Price to Earnings (P/E)		 9.32 7.40 10.29
Dividend Yield		 1.18% 1.32% 1.29%
Earnings Yield		 10.73% 13.51% 9.72%
Enterprise Value to Invested Capital (EV/IC)		 1.03 1.00 1.16
Enterprise Value to Revenue (EV/Rev)		 2.93 3.83 3.37
Enterprise Value to EBITDA (EV/EBITDA)		 6.80 8.32 8.64
Enterprise Value to EBIT (EV/EBIT)		 7.41 8.80 9.16
Enterprise Value to NOPAT (EV/NOPAT)		 9.82 11.94 12.45
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.37 9.41 8.62
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.29 0.00 18.10
Leverage & Solvency		 - - -
Debt to Equity		 0.21 0.89 0.57
Long-Term Debt to Equity		 0.13 0.15 0.30
Financial Leverage		 0.53 0.75 0.48
Leverage Ratio		 9.11 11.18 12.56
Compound Leverage Factor		 9.11 11.18 12.56
Debt to Total Capital		 17.46% 47.23% 36.13%
Short-Term Debt to Total Capital		 6.97% 39.44% 16.92%
Long-Term Debt to Total Capital		 10.49% 7.78% 19.21%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.55% 52.77% 63.87%
Debt to EBITDA		 1.15 3.93 2.69
Net Debt to EBITDA		 0.35 3.16 1.50
Long-Term Debt to EBITDA		 0.69 0.65 1.43
Debt to NOPAT		 1.66 5.63 3.87
Net Debt to NOPAT		 0.50 4.54 2.16
Long-Term Debt to NOPAT		 1.00 0.93 2.06
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 366 -280 46
Operating Cash Flow to CapEx		 1,219.37% 940.54% 2,247.09%
Free Cash Flow to Firm to Interest Expense		 6.51 -7.00 4.49
Operating Cash Flow to Interest Expense		 2.34 2.91 9.44
Operating Cash Flow Less CapEx to Interest Expense		 2.15 2.60 9.02
Efficiency Ratios		 - - -
Asset Turnover		 0.05 0.05 0.04
Fixed Asset Turnover		 3.43 3.77 3.11
Capital & Investment Metrics		 - - -
Invested Capital		 813 1,094 722
Invested Capital Turnover		 0.30 0.32 0.35
Increase / (Decrease) in Invested Capital		 -281 372 21
Enterprise Value (EV)		 838 1,095 839
Market Capitalization		 795 679 693
Book Value per Share		 $14.96 $12.92 $10.35
Tangible Book Value per Share		 $12.39 $10.73 $8.10
Total Capital		 813 1,094 722
Total Debt		 142 517 261
Total Long-Term Debt		 85 85 139
Net Debt		 43 416 146
Capital Expenditures (CapEx)		 11 12 4.33
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 142 517 261
Total Depreciation and Amortization (D&A)		 10 7.20 5.59
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.90 $2.05 $1.51
Adjusted Weighted Average Basic Shares Outstanding		 45.05M 44.80M 44.67M
Adjusted Diluted Earnings per Share		 $1.87 $2.02 $1.49
Adjusted Weighted Average Diluted Shares Outstanding		 45.05M 44.80M 44.67M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 45.05M 44.80M 44.67M
Normalized Net Operating Profit after Tax (NOPAT)		 85 92 67
Normalized NOPAT Margin		 29.87% 32.06% 27.04%
Pre Tax Income Margin		 39.57% 43.48% 36.73%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 2.01 3.11 8.87
NOPAT to Interest Expense		 1.52 2.29 6.53
EBIT Less CapEx to Interest Expense		 1.82 2.80 8.45
NOPAT Less CapEx to Interest Expense		 1.32 1.98 6.11
Payout Ratios		 - - -
Dividend Payout Ratio		 11.04% 9.75% 13.17%
Augmented Payout Ratio		 12.27% 10.41% 13.84%

Quarterly Metrics And Ratios for Old Second Bancorp

This table displays calculated financial ratios and metrics derived from Old Second Bancorp's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.01% 4.62% -2.40% -1.37% -1.61% -4.21% 8.71% 31.81% 30.61% 85.84% 109.85%
EBITDA Growth		 -5.70% 3.12% -6.46% -13.22% -6.50% -3.48% 18.49% 84.44% 66.49% 371.51% 117.22%
EBIT Growth		 -8.21% 1.74% -8.11% -16.54% -10.84% -21.71% 22.23% 109.72% 94.69% 376.05% 134.59%
NOPAT Growth		 -6.95% 4.86% -5.69% -14.36% -9.72% -22.82% 24.65% 108.72% 96.40% 392.36% 132.09%
Net Income Growth		 -6.95% 4.86% -5.69% -14.36% -9.72% -22.82% 24.65% 108.72% 96.40% 360.45% 132.09%
EPS Growth		 -8.51% 5.00% -7.41% -14.29% -9.62% -23.08% 25.58% 107.41% 92.59% 252.94% 48.28%
Operating Cash Flow Growth		 -62.36% -17.48% -40.68% 139.90% 35.10% -22.00% 148.05% -210.66% 6,985.83% 289.07% 25.47%
Free Cash Flow Firm Growth		 143.82% 184.83% 91.93% 112.19% 118.73% -13,885.23% -318.22% -480.84% -93.34% 101.06% -104.74%
Invested Capital Growth		 -12.46% -25.69% 5.27% -3.09% -3.57% 51.52% 70.17% 77.91% 49.76% 3.00% 23.37%
Revenue Q/Q Growth		 -0.12% 2.86% 0.48% 0.76% 0.46% -4.04% 1.54% 0.51% -2.19% 8.90% 23.11%
EBITDA Q/Q Growth		 4.90% -13.42% 1.81% 1.99% 18.10% -21.47% -5.55% 9.89% 18.42% -3.59% 47.02%
EBIT Q/Q Growth		 3.26% -15.00% 2.26% 2.27% 14.46% -23.23% -7.12% 9.25% 0.50% 19.85% 59.37%
NOPAT Q/Q Growth		 3.77% -16.74% 4.84% 2.72% 16.94% -25.11% -4.80% 8.28% -0.03% 20.96% 59.41%
Net Income Q/Q Growth		 3.77% -16.74% 4.84% 2.72% 16.94% -25.11% -4.80% 8.28% -0.03% 20.96% 59.41%
EPS Q/Q Growth		 2.38% -16.00% 4.17% 2.13% 17.50% -25.93% -3.57% 7.69% 0.00% 20.93% 59.26%
Operating Cash Flow Q/Q Growth		 -25.66% -50.52% 312.83% -75.16% 62.62% -64.43% 377.70% -184.11% -6.11% 13.11% 23.89%
Free Cash Flow Firm Q/Q Growth		 -54.58% 984.22% -160.16% 0.92% 115.80% 15.87% 9.19% -55.09% -11,733.63% 102.55% -26.12%
Invested Capital Q/Q Growth		 0.67% -28.41% 5.03% 15.64% -14.54% 1.42% -3.32% 15.07% 34.28% 13.91% 1.08%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.17% 38.24% 45.43% 44.84% 44.30% 38.80% 47.41% 50.96% 46.62% 38.51% 43.50%
EBIT Margin		 35.84% 34.66% 41.95% 41.22% 40.61% 35.64% 44.56% 48.71% 44.81% 43.61% 39.63%
Profit (Net Income) Margin		 27.13% 26.11% 32.25% 30.91% 30.32% 26.05% 33.38% 35.60% 33.05% 32.33% 29.11%
Tax Burden Percent		 75.69% 75.32% 76.89% 74.99% 74.67% 73.08% 74.91% 73.09% 73.74% 74.14% 73.46%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.31% 24.68% 23.11% 25.01% 25.33% 26.92% 25.09% 26.91% 26.26% 25.86% 26.54%
Return on Invested Capital (ROIC)		 8.92% 7.82% 8.22% 7.99% 9.07% 8.21% 11.27% 11.58% 10.87% 11.33% 10.93%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.92% 7.82% 8.22% 7.99% 9.07% 8.21% 11.27% 11.58% 10.87% 11.33% 10.93%
Return on Net Nonoperating Assets (RNNOA)		 3.20% 4.12% 7.03% 7.50% 6.74% 6.15% 8.71% 9.38% 7.38% 5.41% 5.69%
Return on Equity (ROE)		 12.12% 11.94% 15.25% 15.49% 15.81% 14.35% 19.98% 20.95% 18.25% 16.74% 16.62%
Cash Return on Invested Capital (CROIC)		 22.84% 38.41% 2.48% 10.95% 13.03% -30.86% -40.60% -45.47% -30.08% 6.52% -14.87%
Operating Return on Assets (OROA)		 1.82% 1.74% 2.07% 2.03% 2.01% 1.76% 2.20% 2.32% 1.96% 1.80% 1.85%
Return on Assets (ROA)		 1.38% 1.31% 1.59% 1.52% 1.50% 1.28% 1.65% 1.70% 1.45% 1.33% 1.36%
Return on Common Equity (ROCE)		 12.12% 11.94% 15.25% 15.49% 15.81% 14.35% 19.98% 20.95% 18.25% 16.74% 16.62%
Return on Equity Simple (ROE_SIMPLE)		 12.06% 0.00% 12.76% 13.85% 15.00% 0.00% 18.24% 17.96% 15.90% 0.00% 8.01%
Net Operating Profit after Tax (NOPAT)		 20 19 23 22 21 18 24 26 24 24 20
NOPAT Margin		 27.13% 26.11% 32.25% 30.91% 30.32% 26.05% 33.38% 35.60% 33.05% 32.33% 29.11%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.59% 45.10% 43.88% 42.33% 43.66% 39.87% 39.28% 37.37% 38.69% 43.13% 41.39%
Operating Expenses to Revenue		 60.88% 60.55% 55.24% 53.49% 54.41% 52.92% 51.33% 48.51% 50.29% 54.33% 53.66%
Earnings before Interest and Taxes (EBIT)		 26 25 30 29 29 25 32 35 32 32 27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 28 32 32 31 27 35 37 33 28 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 1.18 1.05 1.07 1.03 1.18 1.12 1.12 1.24 1.50 1.30
Price to Tangible Book Value (P/TBV)		 1.29 1.43 1.23 1.27 1.23 1.42 1.38 1.38 1.55 1.92 1.70
Price to Revenue (P/Rev)		 2.59 2.78 2.47 2.33 2.16 2.37 2.07 2.03 2.31 2.78 2.63
Price to Earnings (P/E)		 8.91 9.32 8.26 7.72 6.89 7.40 6.16 6.22 7.79 10.29 16.30
Dividend Yield		 1.33% 1.18% 1.29% 1.35% 1.45% 1.32% 1.49% 1.56% 1.45% 1.29% 1.57%
Earnings Yield		 11.22% 10.73% 12.11% 12.95% 14.52% 13.51% 16.25% 16.09% 12.84% 9.72% 6.14%
Enterprise Value to Invested Capital (EV/IC)		 0.75 1.03 0.93 0.93 0.92 1.00 0.96 0.95 1.02 1.16 1.03
Enterprise Value to Revenue (EV/Rev)		 2.13 2.93 3.74 3.53 3.01 3.83 3.58 3.75 3.70 3.37 3.02
Enterprise Value to EBITDA (EV/EBITDA)		 5.06 6.80 8.49 7.93 6.53 8.32 7.80 8.36 8.92 8.64 11.08
Enterprise Value to EBIT (EV/EBIT)		 5.56 7.41 9.38 8.71 7.08 8.80 7.88 8.47 9.19 9.16 13.49
Enterprise Value to NOPAT (EV/NOPAT)		 7.33 9.82 12.50 11.70 9.58 11.94 10.65 11.51 12.47 12.45 18.72
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.03 6.37 7.72 5.90 6.66 9.41 8.30 14.02 7.47 8.62 16.11
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.07 2.29 38.38 8.34 6.91 0.00 0.00 0.00 0.00 18.10 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.18 0.21 0.72 0.75 0.57 0.89 1.03 1.17 0.95 0.57 0.46
Long-Term Debt to Equity		 0.12 0.13 0.13 0.14 0.14 0.15 0.16 0.17 0.26 0.30 0.32
Financial Leverage		 0.36 0.53 0.85 0.94 0.74 0.75 0.77 0.81 0.68 0.48 0.52
Leverage Ratio		 8.79 9.11 9.57 10.19 10.55 11.18 12.14 12.35 12.61 12.56 12.24
Compound Leverage Factor		 8.79 9.11 9.57 10.19 10.55 11.18 12.14 12.35 12.61 12.56 12.24
Debt to Total Capital		 15.14% 17.46% 41.75% 42.71% 36.23% 47.23% 50.62% 53.93% 48.75% 36.13% 31.57%
Short-Term Debt to Total Capital		 4.72% 6.97% 34.25% 34.83% 27.12% 39.44% 42.73% 46.30% 35.37% 16.92% 9.54%
Long-Term Debt to Total Capital		 10.42% 10.49% 7.51% 7.88% 9.11% 7.78% 7.89% 7.63% 13.38% 19.21% 22.03%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 84.86% 82.55% 58.25% 57.29% 63.77% 52.77% 49.38% 46.07% 51.25% 63.87% 68.43%
Debt to EBITDA		 1.02 1.15 3.82 3.65 2.58 3.93 4.12 4.73 4.28 2.69 3.41
Net Debt to EBITDA		 -1.09 0.35 2.88 2.70 1.83 3.16 3.30 3.84 3.35 1.50 1.43
Long-Term Debt to EBITDA		 0.70 0.69 0.69 0.67 0.65 0.65 0.64 0.67 1.17 1.43 2.38
Debt to NOPAT		 1.48 1.66 5.62 5.38 3.79 5.63 5.62 6.52 5.98 3.87 5.76
Net Debt to NOPAT		 -1.58 0.50 4.25 3.97 2.69 4.54 4.50 5.30 4.68 2.16 2.42
Long-Term Debt to NOPAT		 1.02 1.00 1.01 0.99 0.95 0.93 0.88 0.92 1.64 2.06 4.02
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 136 300 -34 56 56 -354 -420 -463 -299 2.57 -101
Operating Cash Flow to CapEx		 1,108.64% 1,116.61% 2,068.19% 396.49% 1,420.12% 699.21% 1,581.41% -1,979.96% 2,243.85% 2,243.26% 2,881.21%
Free Cash Flow to Firm to Interest Expense		 12.78 21.91 -2.19 4.17 4.13 -28.39 -37.54 -44.92 -49.16 0.70 -41.22
Operating Cash Flow to Interest Expense		 1.67 1.75 3.13 0.87 3.49 2.33 7.30 -2.86 5.76 10.20 13.51
Operating Cash Flow Less CapEx to Interest Expense		 1.52 1.60 2.98 0.65 3.25 2.00 6.84 -3.00 5.51 9.75 13.05
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.05
Fixed Asset Turnover		 3.42 3.43 3.54 3.65 3.70 3.77 3.76 3.66 3.35 3.11 3.55
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 818 813 1,135 1,081 935 1,094 1,079 1,116 969 722 634
Invested Capital Turnover		 0.33 0.30 0.25 0.26 0.30 0.32 0.34 0.33 0.33 0.35 0.38
Increase / (Decrease) in Invested Capital		 -116 -281 57 -35 -35 372 445 489 322 21 120
Enterprise Value (EV)		 615 838 1,055 1,003 857 1,095 1,035 1,063 985 839 650
Market Capitalization		 747 795 697 662 616 679 598 574 615 693 566
Book Value per Share		 $15.42 $14.96 $14.75 $13.81 $13.31 $12.92 $11.92 $11.51 $11.12 $10.35 $9.73
Tangible Book Value per Share		 $12.88 $12.39 $12.61 $11.66 $11.14 $10.73 $9.72 $9.29 $8.90 $8.10 $7.47
Total Capital		 818 813 1,135 1,081 935 1,094 1,079 1,116 969 722 634
Total Debt		 124 142 474 462 339 517 546 602 473 261 200
Total Long-Term Debt		 85 85 85 85 85 85 85 85 130 139 140
Net Debt		 -132 43 358 341 241 416 437 489 370 146 84
Capital Expenditures (CapEx)		 1.61 2.15 2.35 2.96 3.33 4.16 5.17 1.49 1.56 1.66 1.14
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 124 142 474 462 339 517 546 602 473 261 200
Total Depreciation and Amortization (D&A)		 3.16 2.62 2.48 2.57 2.59 2.21 2.08 1.62 1.29 -3.73 2.59
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.44 $0.42 $0.52 $0.48 $0.48 $0.40 $0.55 $0.57 $0.53 $0.53 $0.43
Adjusted Weighted Average Basic Shares Outstanding		 45.06M 45.05M 44.85M 44.85M 44.85M 44.80M 44.70M 44.68M 44.67M 44.67M 44.57M
Adjusted Diluted Earnings per Share		 $0.43 $0.42 $0.50 $0.48 $0.47 $0.40 $0.54 $0.56 $0.52 $0.52 $0.43
Adjusted Weighted Average Diluted Shares Outstanding		 45.06M 45.05M 44.85M 44.85M 44.85M 44.80M 44.70M 44.68M 44.67M 44.67M 44.57M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 45.06M 45.05M 44.85M 44.85M 44.85M 44.80M 44.70M 44.68M 44.67M 44.67M 44.57M
Normalized Net Operating Profit after Tax (NOPAT)		 20 19 23 22 21 18 24 26 24 24 20
Normalized NOPAT Margin		 27.13% 26.11% 32.25% 30.91% 30.32% 26.05% 33.38% 35.60% 33.05% 32.33% 29.11%
Pre Tax Income Margin		 35.84% 34.66% 41.95% 41.22% 40.61% 35.64% 44.56% 48.71% 44.81% 43.61% 39.63%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.46 1.85 1.93 2.16 2.11 2.00 2.90 3.39 5.27 8.72 10.90
NOPAT to Interest Expense		 1.86 1.40 1.48 1.62 1.57 1.46 2.17 2.48 3.89 6.46 8.00
EBIT Less CapEx to Interest Expense		 2.31 1.70 1.78 1.94 1.86 1.67 2.44 3.25 5.01 8.26 10.43
NOPAT Less CapEx to Interest Expense		 1.71 1.24 1.33 1.40 1.33 1.13 1.71 2.34 3.63 6.01 7.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 11.78% 11.04% 10.61% 10.43% 10.00% 9.75% 9.21% 9.68% 11.29% 13.17% 23.28%
Augmented Payout Ratio		 13.81% 12.27% 11.55% 11.35% 10.87% 10.41% 9.84% 10.39% 12.64% 13.84% 24.65%

Frequently Asked Questions About Old Second Bancorp's Financials

When does Old Second Bancorp's fiscal year end?

According to the most recent income statement we have on file, Old Second Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Old Second Bancorp's net income changed over the last 2 years?

Old Second Bancorp's net income appears to be on an upward trend, with a most recent value of $85.26 million in 2024, rising from $67.41 million in 2022. The previous period was $91.73 million in 2023. See Old Second Bancorp's forecast for analyst expectations on what’s next for the company.

How has Old Second Bancorp revenue changed over the last 2 years?

Over the last 2 years, Old Second Bancorp's total revenue changed from $249.27 million in 2022 to $285.45 million in 2024, a change of 14.5%.

How much debt does Old Second Bancorp have?

Old Second Bancorp's total liabilities were at $4.98 billion at the end of 2024, a 3.2% decrease from 2023, and a 8.3% decrease since 2022.

How much cash does Old Second Bancorp have?

In the past 2 years, Old Second Bancorp's cash and equivalents has ranged from $52.18 million in 2024 to $56.63 million in 2022, and is currently $52.18 million as of their latest financial filing in 2024.

How has Old Second Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Old Second Bancorp's book value per share changed from 10.35 in 2022 to 14.96 in 2024, a change of 44.6%.


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This page (NASDAQ:OSBC) was last updated on 5/31/2025 by MarketBeat.com Staff
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