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.
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 |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
Consolidated Net Income / (Loss) |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
Net Income / (Loss) Continuing Operations |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
Total Pre-Tax Income |
|
27 |
32 |
32 |
35 |
32 |
25 |
29 |
29 |
30 |
25 |
26 |
Total Revenue |
|
67 |
73 |
71 |
72 |
73 |
70 |
70 |
71 |
71 |
73 |
73 |
Net Interest Income / (Expense) |
|
56 |
64 |
64 |
64 |
63 |
61 |
60 |
60 |
61 |
62 |
63 |
Total Interest Income |
|
58 |
68 |
70 |
74 |
74 |
74 |
73 |
73 |
76 |
75 |
74 |
Loans and Leases Interest Income |
|
47 |
55 |
57 |
62 |
63 |
63 |
63 |
62 |
65 |
64 |
62 |
Investment Securities Interest Income |
|
11 |
12 |
12 |
12 |
11 |
10 |
10 |
10 |
11 |
11 |
11 |
Deposits and Money Market Investments Interest Income |
|
0.66 |
0.46 |
0.59 |
0.64 |
0.66 |
0.62 |
0.61 |
0.63 |
0.62 |
0.54 |
0.99 |
Total Interest Expense |
|
2.44 |
3.65 |
6.07 |
10 |
11 |
12 |
14 |
14 |
15 |
14 |
11 |
Deposits Interest Expense |
|
0.72 |
1.35 |
1.81 |
2.90 |
4.54 |
6.15 |
8.08 |
9.28 |
10 |
10 |
9.74 |
Short-Term Borrowings Interest Expense |
|
0.04 |
0.44 |
2.35 |
5.16 |
5.84 |
5.43 |
4.56 |
3.34 |
4.19 |
2.53 |
0.02 |
Long-Term Debt Interest Expense |
|
1.67 |
1.86 |
1.91 |
2.24 |
0.79 |
0.84 |
0.83 |
0.83 |
0.82 |
0.84 |
0.83 |
Federal Funds Purchased and Securities Sold Interest Expense |
|
0.01 |
0.01 |
0.01 |
0.01 |
0.03 |
0.05 |
0.09 |
0.08 |
0.09 |
0.08 |
0.07 |
Total Non-Interest Income |
|
11 |
8.95 |
7.35 |
8.22 |
9.88 |
8.73 |
11 |
11 |
11 |
12 |
10 |
Other Service Charges |
|
10 |
9.57 |
9.00 |
8.86 |
9.19 |
9.10 |
8.92 |
9.18 |
10 |
9.94 |
9.81 |
Net Realized & Unrealized Capital Gains on Investments |
|
0.45 |
-0.57 |
-1.37 |
-1.15 |
-0.52 |
0.36 |
0.32 |
0.47 |
0.51 |
0.52 |
0.46 |
Other Non-Interest Income |
|
0.69 |
-0.06 |
-0.28 |
0.51 |
1.20 |
-0.74 |
1.27 |
1.48 |
-0.09 |
1.15 |
-0.07 |
Provision for Credit Losses |
|
4.50 |
1.50 |
3.50 |
2.00 |
3.00 |
8.00 |
3.50 |
3.75 |
2.00 |
3.50 |
2.40 |
Total Non-Interest Expense |
|
36 |
40 |
36 |
35 |
37 |
37 |
38 |
38 |
39 |
44 |
45 |
Salaries and Employee Benefits |
|
21 |
24 |
22 |
22 |
23 |
21 |
24 |
23 |
25 |
26 |
27 |
Net Occupancy & Equipment Expense |
|
6.66 |
7.11 |
5.25 |
4.93 |
5.43 |
6.11 |
6.18 |
6.08 |
6.25 |
7.12 |
6.90 |
Marketing Expense |
|
0.08 |
0.13 |
0.14 |
0.10 |
0.09 |
0.38 |
0.19 |
0.47 |
0.30 |
0.28 |
0.17 |
Property & Liability Insurance Claims |
|
0.21 |
0.23 |
0.32 |
0.28 |
0.10 |
0.23 |
0.23 |
0.24 |
0.20 |
0.66 |
0.47 |
Other Operating Expenses |
|
7.36 |
7.32 |
7.34 |
7.10 |
8.07 |
8.30 |
6.75 |
7.09 |
7.31 |
9.94 |
8.94 |
Amortization Expense |
|
0.66 |
0.65 |
0.62 |
0.62 |
0.62 |
0.60 |
0.58 |
0.57 |
0.57 |
0.72 |
1.04 |
Income Tax Expense |
|
7.05 |
8.24 |
8.41 |
9.41 |
8.15 |
6.71 |
7.23 |
7.30 |
6.90 |
6.26 |
6.37 |
Basic Earnings per Share |
|
$0.43 |
$0.53 |
$0.53 |
$0.57 |
$0.55 |
$0.40 |
$0.48 |
$0.48 |
$0.52 |
$0.42 |
$0.44 |
Weighted Average Basic Shares Outstanding |
|
44.57M |
44.67M |
44.67M |
44.68M |
44.70M |
44.80M |
44.85M |
44.85M |
44.85M |
45.05M |
45.06M |
Diluted Earnings per Share |
|
$0.43 |
$0.52 |
$0.52 |
$0.56 |
$0.54 |
$0.40 |
$0.47 |
$0.48 |
$0.50 |
$0.42 |
$0.43 |
Weighted Average Diluted Shares Outstanding |
|
44.57M |
44.67M |
44.67M |
44.68M |
44.70M |
44.80M |
44.85M |
44.85M |
44.85M |
45.05M |
45.06M |
Weighted Average Basic & Diluted Shares Outstanding |
|
44.57M |
44.67M |
44.67M |
44.68M |
44.70M |
44.80M |
44.85M |
44.85M |
44.85M |
45.05M |
45.06M |
Cash Dividends to Common per Share |
|
$0.05 |
$0.05 |
$0.05 |
$0.05 |
$0.05 |
$0.05 |
$0.05 |
$0.05 |
$0.05 |
$0.06 |
$0.06 |
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 |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-3.46 |
-3.86 |
7.00 |
8.50 |
-0.60 |
-4.60 |
279 |
422 |
-637 |
-15 |
-0.82 |
Net Cash From Operating Activities |
|
-6.31 |
21 |
27 |
37 |
55 |
53 |
26 |
31 |
97 |
116 |
132 |
Net Cash From Continuing Operating Activities |
|
-6.31 |
21 |
27 |
37 |
55 |
53 |
26 |
31 |
97 |
116 |
132 |
Net Income / (Loss) Continuing Operations |
|
10 |
15 |
16 |
15 |
34 |
39 |
28 |
20 |
67 |
92 |
85 |
Consolidated Net Income / (Loss) |
|
10 |
15 |
16 |
15 |
34 |
39 |
28 |
20 |
67 |
92 |
85 |
Provision For Loan Losses |
|
0.27 |
8.43 |
11 |
17 |
12 |
2.12 |
11 |
4.41 |
6.65 |
17 |
14 |
Depreciation Expense |
|
2.49 |
2.39 |
2.29 |
2.31 |
2.42 |
2.46 |
2.80 |
3.15 |
4.09 |
4.49 |
5.59 |
Amortization Expense |
|
-0.60 |
0.13 |
-1.17 |
0.80 |
1.88 |
2.49 |
1.91 |
2.40 |
1.50 |
2.71 |
4.67 |
Non-Cash Adjustments to Reconcile Net Income |
|
-3.67 |
1.59 |
-1.46 |
-0.77 |
0.66 |
4.05 |
-7.33 |
15 |
0.35 |
5.71 |
-2.10 |
Changes in Operating Assets and Liabilities, net |
|
-15 |
-6.78 |
1.17 |
2.48 |
4.29 |
2.06 |
-9.99 |
-13 |
17 |
-5.00 |
24 |
Net Cash From Investing Activities |
|
-66 |
-32 |
-123 |
-132 |
-26 |
42 |
-104 |
133 |
-433 |
162 |
323 |
Net Cash From Continuing Investing Activities |
|
-66 |
-32 |
-123 |
-132 |
-26 |
42 |
-104 |
133 |
-433 |
162 |
323 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-1.10 |
-1.28 |
-1.99 |
-1.06 |
-1.90 |
-4.38 |
-3.92 |
-2.03 |
-4.33 |
-12 |
-11 |
Purchase of Investment Securities |
|
-411 |
-196 |
-518 |
-487 |
-172 |
-197 |
-170 |
-616 |
-754 |
-224 |
20 |
Sale and/or Maturity of Investments |
|
346 |
165 |
397 |
356 |
147 |
243 |
69 |
751 |
325 |
398 |
313 |
Other Investing Activities, net |
|
- |
- |
- |
- |
1.20 |
1.20 |
0.48 |
- |
0.00 |
0.00 |
1.24 |
Net Cash From Financing Activities |
|
69 |
7.20 |
103 |
104 |
-30 |
-99 |
357 |
258 |
-301 |
-293 |
-455 |
Net Cash From Continuing Financing Activities |
|
69 |
7.20 |
103 |
104 |
-30 |
-99 |
357 |
258 |
-301 |
-293 |
-455 |
Net Change in Deposits |
|
2.93 |
74 |
59 |
56 |
-55 |
10 |
410 |
235 |
-354 |
-539 |
-70 |
Issuance of Debt |
|
40 |
- |
99 |
45 |
24 |
-101 |
-29 |
59 |
90 |
315 |
-385 |
Repayment of Debt |
|
- |
-30 |
-46 |
-0.04 |
-8.07 |
-8.80 |
-36 |
-4.32 |
-10 |
-54 |
0.00 |
Repurchase of Common Equity |
|
-0.05 |
-0.12 |
-0.25 |
-0.24 |
-0.51 |
-0.67 |
-5.92 |
-10 |
-0.46 |
-0.61 |
-1.05 |
Payment of Dividends |
|
-12 |
-2.42 |
-0.89 |
-1.18 |
-1.19 |
-1.20 |
-1.19 |
-4.61 |
-8.88 |
-8.95 |
-9.41 |
Other Financing Activities, Net |
|
63 |
13 |
-8.34 |
4.20 |
11 |
2.09 |
18 |
-17 |
-18 |
-5.69 |
10 |
Cash Income Taxes Paid |
|
0.04 |
0.12 |
0.21 |
0.43 |
0.02 |
4.43 |
7.92 |
11 |
11 |
36 |
23 |
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 |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Change in Cash & Equivalents |
|
-165 |
-0.98 |
-12 |
9.59 |
-3.58 |
-8.89 |
-2.05 |
23 |
-5.13 |
-16 |
157 |
Net Cash From Operating Activities |
|
33 |
37 |
35 |
-29 |
82 |
29 |
47 |
12 |
48 |
24 |
18 |
Net Cash From Continuing Operating Activities |
|
33 |
37 |
35 |
-29 |
82 |
29 |
47 |
12 |
48 |
24 |
18 |
Net Income / (Loss) Continuing Operations |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
Consolidated Net Income / (Loss) |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
Provision For Loan Losses |
|
4.50 |
1.50 |
3.77 |
2.00 |
2.71 |
8.29 |
3.50 |
3.75 |
2.00 |
5.24 |
2.85 |
Depreciation Expense |
|
0.98 |
1.01 |
1.05 |
1.09 |
1.11 |
1.24 |
1.35 |
1.37 |
1.45 |
1.42 |
1.41 |
Amortization Expense |
|
1.62 |
-4.74 |
0.24 |
0.53 |
0.97 |
0.97 |
1.24 |
1.20 |
1.03 |
1.20 |
1.76 |
Non-Cash Adjustments to Reconcile Net Income |
|
-6.05 |
10 |
3.00 |
1.47 |
-3.13 |
4.37 |
-0.53 |
0.80 |
-0.53 |
-1.82 |
1.01 |
Changes in Operating Assets and Liabilities, net |
|
12 |
5.72 |
3.33 |
-60 |
56 |
-4.01 |
21 |
-17 |
22 |
-1.16 |
-9.02 |
Net Cash From Investing Activities |
|
-157 |
74 |
-43 |
92 |
75 |
37 |
94 |
-23 |
-7.42 |
259 |
77 |
Net Cash From Continuing Investing Activities |
|
-157 |
74 |
-43 |
92 |
75 |
37 |
94 |
-23 |
-7.42 |
259 |
77 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-1.14 |
-1.66 |
-1.56 |
-1.49 |
-5.17 |
-4.16 |
-3.33 |
-2.96 |
-2.35 |
-2.15 |
-1.61 |
Purchase of Investment Securities |
|
-243 |
-1.98 |
-137 |
-28 |
-4.09 |
-56 |
59 |
-157 |
-36 |
159 |
-46 |
Sale and/or Maturity of Investments |
|
88 |
77 |
95 |
121 |
85 |
97 |
38 |
136 |
31 |
103 |
124 |
Net Cash From Financing Activities |
|
-41 |
-112 |
-4.24 |
-53 |
-161 |
-75 |
-143 |
34 |
-46 |
-300 |
62 |
Net Cash From Continuing Financing Activities |
|
-41 |
-112 |
-4.24 |
-53 |
-161 |
-75 |
-143 |
34 |
-46 |
-300 |
62 |
Net Change in Deposits |
|
-61 |
-170 |
-213 |
-179 |
-103 |
-43 |
38 |
-87 |
-56 |
35 |
84 |
Repayment of Debt |
|
-1.00 |
-1.00 |
-9.00 |
-45 |
- |
- |
- |
- |
- |
- |
-20 |
Repurchase of Common Equity |
|
-0.05 |
-0.01 |
-0.61 |
- |
- |
- |
-0.78 |
-0.02 |
- |
-0.26 |
-1.43 |
Payment of Dividends |
|
-2.23 |
-2.23 |
-2.24 |
-2.24 |
-2.24 |
-2.23 |
-2.24 |
-2.24 |
-2.25 |
-2.69 |
-2.69 |
Other Financing Activities, Net |
|
-2.10 |
-3.34 |
-4.26 |
3.64 |
-5.64 |
0.58 |
7.08 |
13 |
7.32 |
-17 |
2.01 |
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 |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
2,062 |
2,077 |
1,522 |
1,609 |
2,676 |
2,636 |
3,041 |
6,212 |
5,888 |
5,723 |
5,649 |
Cash and Due from Banks |
|
30 |
27 |
47 |
- |
39 |
34 |
24 |
39 |
57 |
56 |
52 |
Interest Bearing Deposits at Other Banks |
|
14 |
13 |
- |
- |
17 |
17 |
306 |
714 |
59 |
45 |
47 |
Trading Account Securities |
|
645 |
704 |
- |
- |
541 |
485 |
496 |
1,694 |
1,539 |
1,193 |
1,162 |
Loans and Leases, Net of Allowance |
|
1,138 |
1,117 |
1,463 |
1,600 |
1,878 |
1,911 |
2,001 |
3,377 |
3,820 |
3,999 |
3,938 |
Loans and Leases |
|
1,159 |
1,134 |
1,479 |
1,618 |
1,897 |
1,931 |
2,035 |
3,421 |
3,870 |
4,043 |
3,981 |
Allowance for Loan and Lease Losses |
|
22 |
16 |
16 |
17 |
19 |
20 |
34 |
44 |
49 |
44 |
44 |
Loans Held for Sale |
|
5.07 |
2.85 |
- |
- |
2.98 |
3.06 |
13 |
3,381 |
0.49 |
1.32 |
1.56 |
Premises and Equipment, Net |
|
42 |
40 |
- |
- |
42 |
44 |
45 |
88 |
72 |
79 |
87 |
Goodwill |
|
- |
- |
- |
- |
- |
- |
19 |
86 |
86 |
86 |
93 |
Intangible Assets |
|
- |
- |
- |
- |
22 |
21 |
2.18 |
16 |
14 |
11 |
22 |
Other Assets |
|
187 |
173 |
12 |
8.37 |
134 |
121 |
135 |
195 |
241 |
253 |
246 |
Total Liabilities & Shareholders' Equity |
|
2,062 |
2,077 |
0.00 |
0.00 |
2,676 |
2,636 |
3,041 |
6,212 |
5,888 |
5,723 |
5,649 |
Total Liabilities |
|
1,868 |
1,921 |
0.00 |
0.00 |
2,447 |
2,358 |
2,734 |
5,710 |
5,427 |
5,146 |
4,978 |
Non-Interest Bearing Deposits |
|
400 |
443 |
- |
- |
619 |
670 |
910 |
2,088 |
2,052 |
1,835 |
1,705 |
Interest Bearing Deposits |
|
1,285 |
1,316 |
- |
- |
1,498 |
1,457 |
1,628 |
3,379 |
3,059 |
2,736 |
3,064 |
Short-Term Debt |
|
66 |
49 |
- |
- |
196 |
97 |
67 |
50 |
122 |
431 |
57 |
Long-Term Debt |
|
104 |
103 |
- |
- |
117 |
109 |
94 |
149 |
139 |
85 |
85 |
Other Long-Term Liabilities |
|
13 |
9.90 |
- |
- |
17 |
25 |
36 |
45 |
56 |
58 |
68 |
Total Equity & Noncontrolling Interests |
|
194 |
156 |
0.00 |
0.00 |
229 |
278 |
307 |
502 |
461 |
577 |
671 |
Total Preferred & Common Equity |
|
194 |
156 |
0.00 |
0.00 |
229 |
278 |
307 |
502 |
461 |
577 |
671 |
Total Common Equity |
|
147 |
156 |
0.00 |
0.00 |
229 |
278 |
307 |
502 |
461 |
577 |
671 |
Common Stock |
|
150 |
150 |
- |
- |
154 |
156 |
157 |
247 |
247 |
247 |
250 |
Retained Earnings |
|
101 |
114 |
- |
- |
175 |
214 |
237 |
252 |
311 |
393 |
469 |
Treasury Stock |
|
-96 |
-96 |
- |
- |
-96 |
-96 |
-101 |
-5.90 |
-3.23 |
-0.18 |
-0.58 |
Accumulated Other Comprehensive Income / (Loss) |
|
-7.71 |
-13 |
- |
- |
-4.08 |
4.56 |
15 |
8.77 |
-93 |
-63 |
-48 |
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 |
|
Q2 2022 |
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Total Assets |
|
6,006 |
5,968 |
5,920 |
5,884 |
5,758 |
5,616 |
5,663 |
5,672 |
5,728 |
Cash and Due from Banks |
|
53 |
65 |
51 |
59 |
56 |
49 |
55 |
63 |
53 |
Interest Bearing Deposits at Other Banks |
|
228 |
51 |
52 |
53 |
53 |
49 |
66 |
52 |
203 |
Trading Account Securities |
|
1,734 |
1,610 |
1,455 |
1,336 |
1,230 |
1,169 |
1,174 |
1,191 |
1,147 |
Loans and Leases, Net of Allowance |
|
3,580 |
3,820 |
3,950 |
3,960 |
3,978 |
3,925 |
3,934 |
3,947 |
3,899 |
Loans and Leases |
|
3,625 |
3,869 |
4,003 |
4,016 |
4,030 |
3,969 |
3,977 |
3,991 |
3,940 |
Allowance for Loan and Lease Losses |
|
45 |
49 |
53 |
55 |
52 |
44 |
42 |
44 |
42 |
Loans Held for Sale |
|
1.71 |
1.30 |
3,951 |
1.22 |
2.30 |
1.07 |
2.29 |
2.45 |
4.20 |
Premises and Equipment, Net |
|
82 |
77 |
73 |
73 |
76 |
81 |
83 |
83 |
87 |
Goodwill |
|
86 |
86 |
86 |
86 |
86 |
86 |
86 |
86 |
93 |
Intangible Assets |
|
15 |
14 |
13 |
12 |
12 |
11 |
10 |
9.49 |
21 |
Other Assets |
|
225 |
242 |
239 |
303 |
265 |
244 |
252 |
237 |
220 |
Total Liabilities & Shareholders' Equity |
|
6,006 |
5,968 |
5,920 |
5,884 |
5,758 |
5,616 |
5,663 |
5,672 |
5,728 |
Total Liabilities |
|
5,557 |
5,534 |
5,423 |
5,370 |
5,226 |
5,020 |
5,043 |
5,010 |
5,033 |
Non-Interest Bearing Deposits |
|
2,078 |
2,098 |
1,950 |
1,898 |
1,863 |
1,800 |
1,728 |
1,669 |
1,714 |
Interest Bearing Deposits |
|
3,265 |
3,183 |
2,947 |
2,820 |
2,752 |
2,808 |
2,793 |
2,796 |
3,139 |
Short-Term Debt |
|
38 |
60 |
343 |
517 |
461 |
254 |
377 |
389 |
39 |
Long-Term Debt |
|
141 |
140 |
130 |
85 |
85 |
85 |
85 |
85 |
85 |
Other Long-Term Liabilities |
|
36 |
53 |
54 |
51 |
65 |
73 |
60 |
71 |
56 |
Total Equity & Noncontrolling Interests |
|
449 |
434 |
497 |
514 |
533 |
596 |
619 |
661 |
694 |
Total Preferred & Common Equity |
|
449 |
434 |
497 |
514 |
533 |
596 |
619 |
661 |
694 |
Total Common Equity |
|
449 |
434 |
497 |
514 |
533 |
596 |
619 |
661 |
694 |
Common Stock |
|
246 |
246 |
245 |
246 |
246 |
248 |
249 |
250 |
250 |
Retained Earnings |
|
272 |
289 |
332 |
355 |
377 |
412 |
432 |
453 |
486 |
Treasury Stock |
|
-3.67 |
-3.43 |
-0.75 |
-0.75 |
-0.40 |
-0.91 |
-0.85 |
-0.83 |
-0.81 |
Accumulated Other Comprehensive Income / (Loss) |
|
-65 |
-98 |
-79 |
-86 |
-91 |
-63 |
-61 |
-40 |
-41 |
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 |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
-0.19% |
2.44% |
4.11% |
14.38% |
16.19% |
8.40% |
-2.51% |
5.21% |
83.32% |
14.78% |
-0.23% |
EBITDA Growth |
|
9.72% |
51.12% |
-4.67% |
46.02% |
28.96% |
17.77% |
-25.86% |
-20.66% |
190.68% |
35.48% |
-6.37% |
EBIT Growth |
|
34.23% |
53.24% |
0.59% |
39.99% |
28.09% |
18.03% |
-27.86% |
-25.51% |
228.52% |
35.89% |
-9.21% |
NOPAT Growth |
|
-87.65% |
51.79% |
1.94% |
-3.48% |
124.68% |
16.00% |
-29.48% |
-27.96% |
236.29% |
36.09% |
-7.05% |
Net Income Growth |
|
-87.65% |
51.79% |
1.94% |
-3.48% |
124.68% |
16.00% |
-29.48% |
-27.96% |
236.29% |
36.09% |
-7.05% |
EPS Growth |
|
-91.56% |
0.00% |
15.22% |
-5.66% |
124.00% |
16.07% |
-29.23% |
-29.35% |
129.23% |
35.57% |
-7.43% |
Operating Cash Flow Growth |
|
-117.89% |
435.14% |
28.95% |
36.14% |
47.98% |
-4.13% |
-50.63% |
19.47% |
213.54% |
19.58% |
13.00% |
Free Cash Flow Firm Growth |
|
-176.92% |
195.47% |
-1,777.65% |
94.03% |
1,638.76% |
-91.08% |
-55.22% |
-585.20% |
121.74% |
-704.51% |
230.69% |
Invested Capital Growth |
|
30.43% |
-15.39% |
394.06% |
5.69% |
-66.28% |
-10.82% |
-3.33% |
49.89% |
3.00% |
51.52% |
-25.69% |
Revenue Q/Q Growth |
|
-16.51% |
-0.08% |
4.28% |
1.58% |
2.75% |
1.21% |
0.18% |
5.13% |
15.65% |
-1.06% |
1.14% |
EBITDA Q/Q Growth |
|
74.22% |
36.61% |
5.73% |
2.13% |
0.90% |
2.67% |
-4.11% |
-40.14% |
65.60% |
-0.74% |
-0.80% |
EBIT Q/Q Growth |
|
104.44% |
40.29% |
8.46% |
2.56% |
-1.22% |
1.74% |
-2.72% |
-45.16% |
90.11% |
-5.27% |
0.39% |
NOPAT Q/Q Growth |
|
-27.73% |
5.80% |
8.17% |
-33.22% |
48.65% |
2.38% |
-5.08% |
-46.06% |
94.12% |
-5.55% |
1.05% |
Net Income Q/Q Growth |
|
-87.37% |
5.80% |
8.17% |
-33.22% |
48.65% |
2.38% |
-5.08% |
-46.06% |
94.12% |
-5.55% |
1.05% |
EPS Q/Q Growth |
|
64.29% |
6.98% |
8.16% |
-34.21% |
49.33% |
2.36% |
-5.15% |
-48.00% |
136.51% |
-5.61% |
1.08% |
Operating Cash Flow Q/Q Growth |
|
-659.63% |
-9.70% |
18.36% |
-3.90% |
12.98% |
0.43% |
-18.40% |
-48.25% |
141.30% |
-6.58% |
-3.72% |
Free Cash Flow Firm Q/Q Growth |
|
-146.53% |
17.17% |
-9,473.92% |
35.18% |
8,387.83% |
994.04% |
-49.35% |
-947.61% |
154.33% |
19.39% |
1,232.26% |
Invested Capital Q/Q Growth |
|
-0.53% |
-3.61% |
373.65% |
254.09% |
16.86% |
-5.84% |
2.49% |
36.42% |
13.91% |
1.42% |
-28.41% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
20.61% |
30.41% |
27.84% |
35.54% |
39.45% |
42.86% |
32.59% |
24.58% |
38.97% |
46.00% |
43.16% |
EBIT Margin |
|
18.43% |
27.56% |
26.63% |
32.59% |
35.93% |
39.12% |
28.95% |
20.49% |
36.73% |
43.48% |
39.57% |
Profit (Net Income) Margin |
|
11.75% |
17.41% |
17.05% |
14.38% |
27.81% |
29.76% |
21.53% |
14.74% |
27.04% |
32.06% |
29.87% |
Tax Burden Percent |
|
63.76% |
63.15% |
64.01% |
44.13% |
77.41% |
76.08% |
74.38% |
71.93% |
73.63% |
73.73% |
75.48% |
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 |
|
36.24% |
36.85% |
35.99% |
55.87% |
22.59% |
23.92% |
25.62% |
28.07% |
26.37% |
26.27% |
24.52% |
Return on Invested Capital (ROIC) |
|
3.15% |
4.58% |
1.71% |
0.97% |
3.16% |
7.69% |
5.85% |
3.43% |
9.47% |
10.10% |
8.94% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
3.15% |
4.58% |
1.71% |
0.97% |
3.16% |
7.69% |
5.85% |
3.43% |
9.47% |
10.10% |
8.94% |
Return on Net Nonoperating Assets (RNNOA) |
|
2.78% |
4.21% |
18.40% |
0.00% |
26.53% |
7.88% |
3.66% |
1.52% |
4.52% |
7.56% |
4.72% |
Return on Equity (ROE) |
|
5.93% |
8.79% |
20.12% |
0.00% |
29.69% |
15.57% |
9.51% |
4.95% |
14.00% |
17.67% |
13.66% |
Cash Return on Invested Capital (CROIC) |
|
-23.26% |
21.25% |
-130.95% |
-4.57% |
102.29% |
19.13% |
9.24% |
-36.50% |
6.52% |
-30.86% |
38.41% |
Operating Return on Assets (OROA) |
|
0.78% |
1.18% |
1.36% |
2.19% |
2.05% |
1.95% |
1.32% |
0.60% |
1.51% |
2.14% |
1.99% |
Return on Assets (ROA) |
|
0.50% |
0.74% |
0.87% |
0.97% |
1.59% |
1.49% |
0.98% |
0.43% |
1.11% |
1.58% |
1.50% |
Return on Common Equity (ROCE) |
|
3.84% |
7.60% |
20.12% |
0.00% |
29.69% |
15.57% |
9.51% |
4.95% |
14.00% |
17.67% |
13.66% |
Return on Equity Simple (ROE_SIMPLE) |
|
5.22% |
9.87% |
0.00% |
0.00% |
14.85% |
14.20% |
9.06% |
3.99% |
14.62% |
15.89% |
12.71% |
Net Operating Profit after Tax (NOPAT) |
|
10 |
15 |
16 |
15 |
34 |
39 |
28 |
20 |
67 |
92 |
85 |
NOPAT Margin |
|
11.75% |
17.41% |
17.05% |
14.38% |
27.81% |
29.76% |
21.53% |
14.74% |
27.04% |
32.06% |
29.87% |
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 |
|
53.76% |
53.20% |
52.47% |
49.33% |
48.56% |
46.78% |
49.12% |
58.48% |
47.32% |
38.80% |
43.75% |
Operating Expenses to Revenue |
|
85.40% |
77.42% |
72.55% |
65.70% |
63.07% |
59.67% |
63.00% |
76.32% |
60.65% |
50.75% |
55.96% |
Earnings before Interest and Taxes (EBIT) |
|
16 |
24 |
25 |
34 |
44 |
52 |
37 |
28 |
92 |
124 |
113 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
18 |
27 |
26 |
37 |
48 |
57 |
42 |
33 |
97 |
132 |
123 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.01 |
1.38 |
0.00 |
0.00 |
1.59 |
1.37 |
0.92 |
0.69 |
1.50 |
1.18 |
1.18 |
Price to Tangible Book Value (P/TBV) |
|
1.01 |
1.38 |
0.00 |
0.00 |
1.76 |
1.49 |
0.98 |
0.87 |
1.92 |
1.42 |
1.43 |
Price to Revenue (P/Rev) |
|
1.71 |
2.44 |
3.33 |
3.62 |
2.98 |
2.88 |
2.18 |
2.56 |
2.78 |
2.37 |
2.78 |
Price to Earnings (P/E) |
|
12.46 |
15.98 |
19.53 |
25.14 |
10.73 |
9.66 |
10.13 |
17.36 |
10.29 |
7.40 |
9.32 |
Dividend Yield |
|
0.00% |
0.00% |
0.29% |
0.31% |
0.33% |
0.31% |
0.42% |
1.32% |
1.29% |
1.32% |
1.18% |
Earnings Yield |
|
8.03% |
6.26% |
5.12% |
3.98% |
9.32% |
10.35% |
9.87% |
5.76% |
9.72% |
13.51% |
10.73% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.88 |
1.06 |
0.17 |
0.24 |
1.15 |
1.11 |
0.24 |
0.00 |
1.16 |
1.00 |
1.03 |
Enterprise Value to Revenue (EV/Rev) |
|
3.72 |
3.71 |
2.81 |
3.62 |
5.10 |
4.05 |
0.87 |
0.00 |
3.37 |
3.83 |
2.93 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
18.04 |
12.19 |
10.11 |
10.17 |
12.92 |
9.44 |
2.67 |
0.00 |
8.64 |
8.32 |
6.80 |
Enterprise Value to EBIT (EV/EBIT) |
|
20.18 |
13.45 |
10.57 |
11.09 |
14.18 |
10.35 |
3.01 |
0.00 |
9.16 |
8.80 |
7.41 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
31.64 |
21.30 |
16.51 |
25.14 |
18.32 |
13.60 |
4.04 |
0.00 |
12.45 |
11.94 |
9.82 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
15.50 |
9.50 |
10.26 |
11.35 |
10.19 |
4.33 |
0.00 |
8.62 |
9.41 |
6.37 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
4.59 |
0.00 |
0.00 |
0.57 |
5.47 |
2.56 |
0.00 |
18.10 |
0.00 |
2.29 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.88 |
0.98 |
0.00 |
0.00 |
1.37 |
0.74 |
0.52 |
0.40 |
0.57 |
0.89 |
0.21 |
Long-Term Debt to Equity |
|
0.54 |
0.66 |
0.00 |
0.00 |
0.51 |
0.39 |
0.30 |
0.30 |
0.30 |
0.15 |
0.13 |
Financial Leverage |
|
0.88 |
0.92 |
10.74 |
0.00 |
8.39 |
1.02 |
0.63 |
0.44 |
0.48 |
0.75 |
0.53 |
Leverage Ratio |
|
11.89 |
11.82 |
23.08 |
0.00 |
18.70 |
10.48 |
9.70 |
11.44 |
12.56 |
11.18 |
9.11 |
Compound Leverage Factor |
|
11.89 |
11.82 |
23.08 |
0.00 |
18.70 |
10.48 |
9.70 |
11.44 |
12.56 |
11.18 |
9.11 |
Debt to Total Capital |
|
46.67% |
49.38% |
0.00% |
0.00% |
57.77% |
42.56% |
34.33% |
28.37% |
36.13% |
47.23% |
17.46% |
Short-Term Debt to Total Capital |
|
18.14% |
15.93% |
0.00% |
0.00% |
36.16% |
20.09% |
14.32% |
7.18% |
16.92% |
39.44% |
6.97% |
Long-Term Debt to Total Capital |
|
28.53% |
33.45% |
0.00% |
0.00% |
21.61% |
22.47% |
20.00% |
21.19% |
19.21% |
7.78% |
10.49% |
Preferred Equity to Total Capital |
|
13.00% |
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 |
|
40.33% |
50.62% |
0.00% |
0.00% |
42.23% |
57.44% |
65.67% |
71.63% |
63.87% |
52.77% |
82.55% |
Debt to EBITDA |
|
9.55 |
5.66 |
0.00 |
0.00 |
6.50 |
3.62 |
3.81 |
5.95 |
2.69 |
3.93 |
1.15 |
Net Debt to EBITDA |
|
7.07 |
4.16 |
0.00 |
0.00 |
5.35 |
2.73 |
-4.02 |
-16.55 |
1.50 |
3.16 |
0.35 |
Long-Term Debt to EBITDA |
|
5.84 |
3.83 |
0.00 |
0.00 |
2.43 |
1.91 |
2.22 |
4.44 |
1.43 |
0.65 |
0.69 |
Debt to NOPAT |
|
16.76 |
9.89 |
0.00 |
0.00 |
9.21 |
5.22 |
5.77 |
9.92 |
3.87 |
5.63 |
1.66 |
Net Debt to NOPAT |
|
12.40 |
7.27 |
0.00 |
0.00 |
7.59 |
3.93 |
-6.09 |
-27.60 |
2.16 |
4.54 |
0.50 |
Long-Term Debt to NOPAT |
|
10.25 |
6.70 |
0.00 |
0.00 |
3.45 |
2.75 |
3.36 |
7.41 |
2.06 |
0.93 |
1.00 |
Noncontrolling Interest Sharing Ratio |
|
35.18% |
13.52% |
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) |
|
-75 |
71 |
-1,198 |
-71 |
1,100 |
98 |
44 |
-213 |
46 |
-280 |
366 |
Operating Cash Flow to CapEx |
|
-575.46% |
1,690.96% |
1,372.41% |
3,560.94% |
2,897.47% |
1,202.58% |
662.76% |
1,527.15% |
2,247.09% |
940.54% |
1,219.37% |
Free Cash Flow to Firm to Interest Expense |
|
-6.81 |
7.87 |
-120.57 |
-5.66 |
65.96 |
5.21 |
3.53 |
-25.24 |
4.49 |
-7.00 |
6.51 |
Operating Cash Flow to Interest Expense |
|
-0.57 |
2.33 |
2.74 |
2.94 |
3.29 |
2.79 |
2.09 |
3.67 |
9.44 |
2.91 |
2.34 |
Operating Cash Flow Less CapEx to Interest Expense |
|
-0.67 |
2.19 |
2.54 |
2.86 |
3.18 |
2.56 |
1.77 |
3.43 |
9.02 |
2.60 |
2.15 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.05 |
0.07 |
0.06 |
0.05 |
0.05 |
0.03 |
0.04 |
0.05 |
0.05 |
Fixed Asset Turnover |
|
1.95 |
2.16 |
0.00 |
0.00 |
0.00 |
3.05 |
2.88 |
2.04 |
3.11 |
3.77 |
3.43 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
364 |
308 |
1,522 |
1,609 |
542 |
484 |
468 |
701 |
722 |
1,094 |
813 |
Invested Capital Turnover |
|
0.27 |
0.26 |
0.10 |
0.07 |
0.11 |
0.26 |
0.27 |
0.23 |
0.35 |
0.32 |
0.30 |
Increase / (Decrease) in Invested Capital |
|
85 |
-56 |
1,214 |
87 |
-1,066 |
-59 |
-16 |
233 |
21 |
372 |
-281 |
Enterprise Value (EV) |
|
321 |
328 |
259 |
381 |
623 |
536 |
112 |
-205 |
839 |
1,095 |
838 |
Market Capitalization |
|
148 |
216 |
306 |
381 |
365 |
381 |
282 |
348 |
693 |
679 |
795 |
Book Value per Share |
|
$4.99 |
$5.29 |
$0.00 |
$0.00 |
$7.70 |
$9.29 |
$10.46 |
$17.49 |
$10.35 |
$12.92 |
$14.96 |
Tangible Book Value per Share |
|
$4.99 |
$5.29 |
$0.00 |
$0.00 |
$6.96 |
$8.58 |
$9.75 |
$13.91 |
$8.10 |
$10.73 |
$12.39 |
Total Capital |
|
364 |
308 |
0.00 |
0.00 |
542 |
484 |
468 |
701 |
722 |
1,094 |
813 |
Total Debt |
|
170 |
152 |
0.00 |
0.00 |
313 |
206 |
161 |
199 |
261 |
517 |
142 |
Total Long-Term Debt |
|
104 |
103 |
0.00 |
0.00 |
117 |
109 |
94 |
149 |
139 |
85 |
85 |
Net Debt |
|
126 |
112 |
-47 |
0.00 |
258 |
155 |
-169 |
-553 |
146 |
416 |
43 |
Capital Expenditures (CapEx) |
|
1.10 |
1.25 |
1.99 |
1.04 |
1.90 |
4.38 |
3.92 |
2.03 |
4.33 |
12 |
11 |
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) |
|
170 |
152 |
1,522 |
1,609 |
313 |
206 |
161 |
199 |
261 |
517 |
142 |
Total Depreciation and Amortization (D&A) |
|
1.89 |
2.51 |
1.11 |
3.11 |
4.30 |
4.95 |
4.71 |
5.55 |
5.59 |
7.20 |
10 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.46 |
$0.46 |
$0.53 |
$0.51 |
$1.14 |
$1.32 |
$0.94 |
$0.66 |
$1.51 |
$2.05 |
$1.90 |
Adjusted Weighted Average Basic Shares Outstanding |
|
29.47M |
29.48M |
29.56M |
29.69M |
29.89M |
30.02M |
29.13M |
44.46M |
44.67M |
44.80M |
45.05M |
Adjusted Diluted Earnings per Share |
|
$0.46 |
$0.46 |
$0.53 |
$0.50 |
$1.12 |
$1.30 |
$0.92 |
$0.65 |
$1.49 |
$2.02 |
$1.87 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
29.47M |
29.48M |
29.56M |
29.69M |
29.89M |
30.02M |
29.13M |
44.46M |
44.67M |
44.80M |
45.05M |
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 |
|
29.47M |
29.48M |
29.56M |
29.69M |
29.89M |
30.02M |
29.13M |
44.46M |
44.67M |
44.80M |
45.05M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
10 |
15 |
16 |
24 |
34 |
39 |
28 |
20 |
67 |
92 |
85 |
Normalized NOPAT Margin |
|
11.75% |
17.41% |
17.05% |
22.81% |
27.81% |
29.76% |
21.53% |
14.74% |
27.04% |
32.06% |
29.87% |
Pre Tax Income Margin |
|
18.43% |
27.56% |
26.63% |
32.59% |
35.93% |
39.12% |
28.95% |
20.49% |
36.73% |
43.48% |
39.57% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.45 |
2.68 |
2.47 |
2.72 |
2.63 |
2.75 |
3.00 |
3.30 |
8.87 |
3.11 |
2.01 |
NOPAT to Interest Expense |
|
0.92 |
1.70 |
1.58 |
1.20 |
2.04 |
2.09 |
2.23 |
2.37 |
6.53 |
2.29 |
1.52 |
EBIT Less CapEx to Interest Expense |
|
1.35 |
2.55 |
2.27 |
2.63 |
2.52 |
2.52 |
2.69 |
3.06 |
8.45 |
2.80 |
1.82 |
NOPAT Less CapEx to Interest Expense |
|
0.82 |
1.56 |
1.38 |
1.12 |
1.93 |
1.86 |
1.92 |
2.13 |
6.11 |
1.98 |
1.32 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
122.24% |
15.71% |
5.66% |
7.82% |
3.50% |
3.03% |
4.26% |
23.01% |
13.17% |
9.75% |
11.04% |
Augmented Payout Ratio |
|
122.69% |
16.47% |
7.28% |
9.38% |
4.98% |
4.72% |
25.55% |
74.98% |
13.84% |
10.41% |
12.27% |
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 |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
109.85% |
85.84% |
30.61% |
31.81% |
8.71% |
-4.21% |
-1.61% |
-1.37% |
-2.40% |
4.62% |
4.01% |
EBITDA Growth |
|
117.22% |
371.51% |
66.49% |
84.44% |
18.49% |
-3.48% |
-6.50% |
-13.22% |
-6.46% |
3.12% |
-5.70% |
EBIT Growth |
|
134.59% |
376.05% |
94.69% |
109.72% |
22.23% |
-21.71% |
-10.84% |
-16.54% |
-8.11% |
1.74% |
-8.21% |
NOPAT Growth |
|
132.09% |
392.36% |
96.40% |
108.72% |
24.65% |
-22.82% |
-9.72% |
-14.36% |
-5.69% |
4.86% |
-6.95% |
Net Income Growth |
|
132.09% |
360.45% |
96.40% |
108.72% |
24.65% |
-22.82% |
-9.72% |
-14.36% |
-5.69% |
4.86% |
-6.95% |
EPS Growth |
|
48.28% |
252.94% |
92.59% |
107.41% |
25.58% |
-23.08% |
-9.62% |
-14.29% |
-7.41% |
5.00% |
-8.51% |
Operating Cash Flow Growth |
|
25.47% |
289.07% |
6,985.83% |
-210.66% |
148.05% |
-22.00% |
35.10% |
139.90% |
-40.68% |
-17.48% |
-62.36% |
Free Cash Flow Firm Growth |
|
-104.74% |
101.06% |
-93.34% |
-480.84% |
-318.22% |
-13,885.23% |
118.73% |
112.19% |
91.93% |
184.83% |
143.82% |
Invested Capital Growth |
|
23.37% |
3.00% |
49.76% |
77.91% |
70.17% |
51.52% |
-3.57% |
-3.09% |
5.27% |
-25.69% |
-12.46% |
Revenue Q/Q Growth |
|
23.11% |
8.90% |
-2.19% |
0.51% |
1.54% |
-4.04% |
0.46% |
0.76% |
0.48% |
2.86% |
-0.12% |
EBITDA Q/Q Growth |
|
47.02% |
-3.59% |
18.42% |
9.89% |
-5.55% |
-21.47% |
18.10% |
1.99% |
1.81% |
-13.42% |
4.90% |
EBIT Q/Q Growth |
|
59.37% |
19.85% |
0.50% |
9.25% |
-7.12% |
-23.23% |
14.46% |
2.27% |
2.26% |
-15.00% |
3.26% |
NOPAT Q/Q Growth |
|
59.41% |
20.96% |
-0.03% |
8.28% |
-4.80% |
-25.11% |
16.94% |
2.72% |
4.84% |
-16.74% |
3.77% |
Net Income Q/Q Growth |
|
59.41% |
20.96% |
-0.03% |
8.28% |
-4.80% |
-25.11% |
16.94% |
2.72% |
4.84% |
-16.74% |
3.77% |
EPS Q/Q Growth |
|
59.26% |
20.93% |
0.00% |
7.69% |
-3.57% |
-25.93% |
17.50% |
2.13% |
4.17% |
-16.00% |
2.38% |
Operating Cash Flow Q/Q Growth |
|
23.89% |
13.11% |
-6.11% |
-184.11% |
377.70% |
-64.43% |
62.62% |
-75.16% |
312.83% |
-50.52% |
-25.66% |
Free Cash Flow Firm Q/Q Growth |
|
-26.12% |
102.55% |
-11,733.63% |
-55.09% |
9.19% |
15.87% |
115.80% |
0.92% |
-160.16% |
984.22% |
-54.58% |
Invested Capital Q/Q Growth |
|
1.08% |
13.91% |
34.28% |
15.07% |
-3.32% |
1.42% |
-14.54% |
15.64% |
5.03% |
-28.41% |
0.67% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
43.50% |
38.51% |
46.62% |
50.96% |
47.41% |
38.80% |
44.30% |
44.84% |
45.43% |
38.24% |
40.17% |
EBIT Margin |
|
39.63% |
43.61% |
44.81% |
48.71% |
44.56% |
35.64% |
40.61% |
41.22% |
41.95% |
34.66% |
35.84% |
Profit (Net Income) Margin |
|
29.11% |
32.33% |
33.05% |
35.60% |
33.38% |
26.05% |
30.32% |
30.91% |
32.25% |
26.11% |
27.13% |
Tax Burden Percent |
|
73.46% |
74.14% |
73.74% |
73.09% |
74.91% |
73.08% |
74.67% |
74.99% |
76.89% |
75.32% |
75.69% |
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 |
|
26.54% |
25.86% |
26.26% |
26.91% |
25.09% |
26.92% |
25.33% |
25.01% |
23.11% |
24.68% |
24.31% |
Return on Invested Capital (ROIC) |
|
10.93% |
11.33% |
10.87% |
11.58% |
11.27% |
8.21% |
9.07% |
7.99% |
8.22% |
7.82% |
8.92% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
10.93% |
11.33% |
10.87% |
11.58% |
11.27% |
8.21% |
9.07% |
7.99% |
8.22% |
7.82% |
8.92% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.69% |
5.41% |
7.38% |
9.38% |
8.71% |
6.15% |
6.74% |
7.50% |
7.03% |
4.12% |
3.20% |
Return on Equity (ROE) |
|
16.62% |
16.74% |
18.25% |
20.95% |
19.98% |
14.35% |
15.81% |
15.49% |
15.25% |
11.94% |
12.12% |
Cash Return on Invested Capital (CROIC) |
|
-14.87% |
6.52% |
-30.08% |
-45.47% |
-40.60% |
-30.86% |
13.03% |
10.95% |
2.48% |
38.41% |
22.84% |
Operating Return on Assets (OROA) |
|
1.85% |
1.80% |
1.96% |
2.32% |
2.20% |
1.76% |
2.01% |
2.03% |
2.07% |
1.74% |
1.82% |
Return on Assets (ROA) |
|
1.36% |
1.33% |
1.45% |
1.70% |
1.65% |
1.28% |
1.50% |
1.52% |
1.59% |
1.31% |
1.38% |
Return on Common Equity (ROCE) |
|
16.62% |
16.74% |
18.25% |
20.95% |
19.98% |
14.35% |
15.81% |
15.49% |
15.25% |
11.94% |
12.12% |
Return on Equity Simple (ROE_SIMPLE) |
|
8.01% |
0.00% |
15.90% |
17.96% |
18.24% |
0.00% |
15.00% |
13.85% |
12.76% |
0.00% |
12.06% |
Net Operating Profit after Tax (NOPAT) |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
NOPAT Margin |
|
29.11% |
32.33% |
33.05% |
35.60% |
33.38% |
26.05% |
30.32% |
30.91% |
32.25% |
26.11% |
27.13% |
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 |
|
41.39% |
43.13% |
38.69% |
37.37% |
39.28% |
39.87% |
43.66% |
42.33% |
43.88% |
45.10% |
46.59% |
Operating Expenses to Revenue |
|
53.66% |
54.33% |
50.29% |
48.51% |
51.33% |
52.92% |
54.41% |
53.49% |
55.24% |
60.55% |
60.88% |
Earnings before Interest and Taxes (EBIT) |
|
27 |
32 |
32 |
35 |
32 |
25 |
29 |
29 |
30 |
25 |
26 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
29 |
28 |
33 |
37 |
35 |
27 |
31 |
32 |
32 |
28 |
29 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.30 |
1.50 |
1.24 |
1.12 |
1.12 |
1.18 |
1.03 |
1.07 |
1.05 |
1.18 |
1.08 |
Price to Tangible Book Value (P/TBV) |
|
1.70 |
1.92 |
1.55 |
1.38 |
1.38 |
1.42 |
1.23 |
1.27 |
1.23 |
1.43 |
1.29 |
Price to Revenue (P/Rev) |
|
2.63 |
2.78 |
2.31 |
2.03 |
2.07 |
2.37 |
2.16 |
2.33 |
2.47 |
2.78 |
2.59 |
Price to Earnings (P/E) |
|
16.30 |
10.29 |
7.79 |
6.22 |
6.16 |
7.40 |
6.89 |
7.72 |
8.26 |
9.32 |
8.91 |
Dividend Yield |
|
1.57% |
1.29% |
1.45% |
1.56% |
1.49% |
1.32% |
1.45% |
1.35% |
1.29% |
1.18% |
1.33% |
Earnings Yield |
|
6.14% |
9.72% |
12.84% |
16.09% |
16.25% |
13.51% |
14.52% |
12.95% |
12.11% |
10.73% |
11.22% |
Enterprise Value to Invested Capital (EV/IC) |
|
1.03 |
1.16 |
1.02 |
0.95 |
0.96 |
1.00 |
0.92 |
0.93 |
0.93 |
1.03 |
0.75 |
Enterprise Value to Revenue (EV/Rev) |
|
3.02 |
3.37 |
3.70 |
3.75 |
3.58 |
3.83 |
3.01 |
3.53 |
3.74 |
2.93 |
2.13 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
11.08 |
8.64 |
8.92 |
8.36 |
7.80 |
8.32 |
6.53 |
7.93 |
8.49 |
6.80 |
5.06 |
Enterprise Value to EBIT (EV/EBIT) |
|
13.49 |
9.16 |
9.19 |
8.47 |
7.88 |
8.80 |
7.08 |
8.71 |
9.38 |
7.41 |
5.56 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
18.72 |
12.45 |
12.47 |
11.51 |
10.65 |
11.94 |
9.58 |
11.70 |
12.50 |
9.82 |
7.33 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
16.11 |
8.62 |
7.47 |
14.02 |
8.30 |
9.41 |
6.66 |
5.90 |
7.72 |
6.37 |
6.03 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
18.10 |
0.00 |
0.00 |
0.00 |
0.00 |
6.91 |
8.34 |
38.38 |
2.29 |
3.07 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.46 |
0.57 |
0.95 |
1.17 |
1.03 |
0.89 |
0.57 |
0.75 |
0.72 |
0.21 |
0.18 |
Long-Term Debt to Equity |
|
0.32 |
0.30 |
0.26 |
0.17 |
0.16 |
0.15 |
0.14 |
0.14 |
0.13 |
0.13 |
0.12 |
Financial Leverage |
|
0.52 |
0.48 |
0.68 |
0.81 |
0.77 |
0.75 |
0.74 |
0.94 |
0.85 |
0.53 |
0.36 |
Leverage Ratio |
|
12.24 |
12.56 |
12.61 |
12.35 |
12.14 |
11.18 |
10.55 |
10.19 |
9.57 |
9.11 |
8.79 |
Compound Leverage Factor |
|
12.24 |
12.56 |
12.61 |
12.35 |
12.14 |
11.18 |
10.55 |
10.19 |
9.57 |
9.11 |
8.79 |
Debt to Total Capital |
|
31.57% |
36.13% |
48.75% |
53.93% |
50.62% |
47.23% |
36.23% |
42.71% |
41.75% |
17.46% |
15.14% |
Short-Term Debt to Total Capital |
|
9.54% |
16.92% |
35.37% |
46.30% |
42.73% |
39.44% |
27.12% |
34.83% |
34.25% |
6.97% |
4.72% |
Long-Term Debt to Total Capital |
|
22.03% |
19.21% |
13.38% |
7.63% |
7.89% |
7.78% |
9.11% |
7.88% |
7.51% |
10.49% |
10.42% |
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 |
|
68.43% |
63.87% |
51.25% |
46.07% |
49.38% |
52.77% |
63.77% |
57.29% |
58.25% |
82.55% |
84.86% |
Debt to EBITDA |
|
3.41 |
2.69 |
4.28 |
4.73 |
4.12 |
3.93 |
2.58 |
3.65 |
3.82 |
1.15 |
1.02 |
Net Debt to EBITDA |
|
1.43 |
1.50 |
3.35 |
3.84 |
3.30 |
3.16 |
1.83 |
2.70 |
2.88 |
0.35 |
-1.09 |
Long-Term Debt to EBITDA |
|
2.38 |
1.43 |
1.17 |
0.67 |
0.64 |
0.65 |
0.65 |
0.67 |
0.69 |
0.69 |
0.70 |
Debt to NOPAT |
|
5.76 |
3.87 |
5.98 |
6.52 |
5.62 |
5.63 |
3.79 |
5.38 |
5.62 |
1.66 |
1.48 |
Net Debt to NOPAT |
|
2.42 |
2.16 |
4.68 |
5.30 |
4.50 |
4.54 |
2.69 |
3.97 |
4.25 |
0.50 |
-1.58 |
Long-Term Debt to NOPAT |
|
4.02 |
2.06 |
1.64 |
0.92 |
0.88 |
0.93 |
0.95 |
0.99 |
1.01 |
1.00 |
1.02 |
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) |
|
-101 |
2.57 |
-299 |
-463 |
-420 |
-354 |
56 |
56 |
-34 |
300 |
136 |
Operating Cash Flow to CapEx |
|
2,881.21% |
2,243.26% |
2,243.85% |
-1,979.96% |
1,581.41% |
699.21% |
1,420.12% |
396.49% |
2,068.19% |
1,116.61% |
1,108.64% |
Free Cash Flow to Firm to Interest Expense |
|
-41.22 |
0.70 |
-49.16 |
-44.92 |
-37.54 |
-28.39 |
4.13 |
4.17 |
-2.19 |
21.91 |
12.78 |
Operating Cash Flow to Interest Expense |
|
13.51 |
10.20 |
5.76 |
-2.86 |
7.30 |
2.33 |
3.49 |
0.87 |
3.13 |
1.75 |
1.67 |
Operating Cash Flow Less CapEx to Interest Expense |
|
13.05 |
9.75 |
5.51 |
-3.00 |
6.84 |
2.00 |
3.25 |
0.65 |
2.98 |
1.60 |
1.52 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.05 |
0.04 |
0.04 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
Fixed Asset Turnover |
|
3.55 |
3.11 |
3.35 |
3.66 |
3.76 |
3.77 |
3.70 |
3.65 |
3.54 |
3.43 |
3.42 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
634 |
722 |
969 |
1,116 |
1,079 |
1,094 |
935 |
1,081 |
1,135 |
813 |
818 |
Invested Capital Turnover |
|
0.38 |
0.35 |
0.33 |
0.33 |
0.34 |
0.32 |
0.30 |
0.26 |
0.25 |
0.30 |
0.33 |
Increase / (Decrease) in Invested Capital |
|
120 |
21 |
322 |
489 |
445 |
372 |
-35 |
-35 |
57 |
-281 |
-116 |
Enterprise Value (EV) |
|
650 |
839 |
985 |
1,063 |
1,035 |
1,095 |
857 |
1,003 |
1,055 |
838 |
615 |
Market Capitalization |
|
566 |
693 |
615 |
574 |
598 |
679 |
616 |
662 |
697 |
795 |
747 |
Book Value per Share |
|
$9.73 |
$10.35 |
$11.12 |
$11.51 |
$11.92 |
$12.92 |
$13.31 |
$13.81 |
$14.75 |
$14.96 |
$15.42 |
Tangible Book Value per Share |
|
$7.47 |
$8.10 |
$8.90 |
$9.29 |
$9.72 |
$10.73 |
$11.14 |
$11.66 |
$12.61 |
$12.39 |
$12.88 |
Total Capital |
|
634 |
722 |
969 |
1,116 |
1,079 |
1,094 |
935 |
1,081 |
1,135 |
813 |
818 |
Total Debt |
|
200 |
261 |
473 |
602 |
546 |
517 |
339 |
462 |
474 |
142 |
124 |
Total Long-Term Debt |
|
140 |
139 |
130 |
85 |
85 |
85 |
85 |
85 |
85 |
85 |
85 |
Net Debt |
|
84 |
146 |
370 |
489 |
437 |
416 |
241 |
341 |
358 |
43 |
-132 |
Capital Expenditures (CapEx) |
|
1.14 |
1.66 |
1.56 |
1.49 |
5.17 |
4.16 |
3.33 |
2.96 |
2.35 |
2.15 |
1.61 |
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) |
|
200 |
261 |
473 |
602 |
546 |
517 |
339 |
462 |
474 |
142 |
124 |
Total Depreciation and Amortization (D&A) |
|
2.59 |
-3.73 |
1.29 |
1.62 |
2.08 |
2.21 |
2.59 |
2.57 |
2.48 |
2.62 |
3.16 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.43 |
$0.53 |
$0.53 |
$0.57 |
$0.55 |
$0.40 |
$0.48 |
$0.48 |
$0.52 |
$0.42 |
$0.44 |
Adjusted Weighted Average Basic Shares Outstanding |
|
44.57M |
44.67M |
44.67M |
44.68M |
44.70M |
44.80M |
44.85M |
44.85M |
44.85M |
45.05M |
45.06M |
Adjusted Diluted Earnings per Share |
|
$0.43 |
$0.52 |
$0.52 |
$0.56 |
$0.54 |
$0.40 |
$0.47 |
$0.48 |
$0.50 |
$0.42 |
$0.43 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
44.57M |
44.67M |
44.67M |
44.68M |
44.70M |
44.80M |
44.85M |
44.85M |
44.85M |
45.05M |
45.06M |
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 |
|
44.57M |
44.67M |
44.67M |
44.68M |
44.70M |
44.80M |
44.85M |
44.85M |
44.85M |
45.05M |
45.06M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
20 |
24 |
24 |
26 |
24 |
18 |
21 |
22 |
23 |
19 |
20 |
Normalized NOPAT Margin |
|
29.11% |
32.33% |
33.05% |
35.60% |
33.38% |
26.05% |
30.32% |
30.91% |
32.25% |
26.11% |
27.13% |
Pre Tax Income Margin |
|
39.63% |
43.61% |
44.81% |
48.71% |
44.56% |
35.64% |
40.61% |
41.22% |
41.95% |
34.66% |
35.84% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
10.90 |
8.72 |
5.27 |
3.39 |
2.90 |
2.00 |
2.11 |
2.16 |
1.93 |
1.85 |
2.46 |
NOPAT to Interest Expense |
|
8.00 |
6.46 |
3.89 |
2.48 |
2.17 |
1.46 |
1.57 |
1.62 |
1.48 |
1.40 |
1.86 |
EBIT Less CapEx to Interest Expense |
|
10.43 |
8.26 |
5.01 |
3.25 |
2.44 |
1.67 |
1.86 |
1.94 |
1.78 |
1.70 |
2.31 |
NOPAT Less CapEx to Interest Expense |
|
7.54 |
6.01 |
3.63 |
2.34 |
1.71 |
1.13 |
1.33 |
1.40 |
1.33 |
1.24 |
1.71 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
23.28% |
13.17% |
11.29% |
9.68% |
9.21% |
9.75% |
10.00% |
10.43% |
10.61% |
11.04% |
11.78% |
Augmented Payout Ratio |
|
24.65% |
13.84% |
12.64% |
10.39% |
9.84% |
10.41% |
10.87% |
11.35% |
11.55% |
12.27% |
13.81% |
Key Financial Trends
Old Second Bancorp Inc. (NASDAQ: OSBC) has demonstrated steady financial performance over the past several years, as seen in the quarterly income statements, cash flow statements, and balance sheets from mid-2022 through Q1 2025. Here are the key trends and notable points from the latest data and historical periods:
- Net income for Q1 2025 was $19.83 million, showing a slight increase compared to $19.11 million in Q4 2024 and continuing a generally stable profitability trend.
- Net interest income remains strong, with $62.9 million in Q1 2025, up from $61.58 million in Q4 2024, reflecting solid income generation from loans and investments.
- The bank maintains healthy non-interest income levels around $10.2 million in Q1 2025, supporting revenue diversification.
- Provision for credit losses has decreased recently to $2.4 million in Q1 2025 from $3.5 million in Q4 2024, suggesting improved credit quality or reduced expected loan losses.
- Total assets increased to approximately $5.73 billion in Q1 2025, up slightly from $5.67 billion in Q4 2024, indicating growth in the bank's asset base.
- Salaries and employee benefits expense increased modestly to $26.99 million in Q1 2025 from $25.61 million in Q4 2024, reflecting potential investment in workforce or inflationary pressures.
- Marketing and other operating expenses saw slight fluctuations but remain within the expected range for the bank's size and operations.
- Interest expense rose to $10.66 million in Q1 2025 from $13.7 million in Q4 2024, primarily due to higher short-term borrowings costs dropping sharply, offsetting the impact partially and indicating fluctuating funding costs.
- Net cash from operating activities declined from $23.99 million in Q4 2024 to $17.8 million in Q1 2025, potentially indicating changes in working capital or loan portfolio dynamics.
- Repayment of debt and dividend payments remain consistent cash outflows, with $20 million debt repayment in Q1 2025 signaling active debt management but also cash utilization.
Summary of Financial Health and Trends:
Old Second Bancorp continues to demonstrate stable profitability with improving net income and controlled credit losses. Its net interest income remains robust, supported by a large portfolio of loans and investment securities. Asset growth is modest but steady, with total assets around $5.7 billion. Expenses have risen slightly, mainly in personnel costs, consistent with growth and operational needs.
Cash flows indicate strong investing activity, including purchases and sales of investment securities, and the bank actively manages its financing through debt repayments and dividend payments. Fluctuations in operating cash flow and interest expense highlight ongoing adjustments to funding and asset composition in a changing interest rate environment.
Investors should monitor credit loss provisions and interest expense trends as key metrics for future earnings stability, alongside the bank’s ability to grow loans and deposits without undue pressure on expenses. Dividend consistency and share repurchases reflect a shareholder-friendly approach, supporting returns.
08/03/25 08:22 AMAI Generated. May Contain Errors.