Where do Old Second Bancorp's ratios come from?

Every ratio is computed from Old Second Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Old Second Bancorp OSBC Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	23.9%-5.2pp	23.7%-6.2pp	22.3%-7.6pp	28.6%-1.6pp	29.1%-2.3pp
Free cash flow margin	38.3%+6.0pp	34.7%-7.6pp	30.3%-13.5pp	36.8%-17.5pp	32.2%—
Returns
Return on equity	10.8%-2.1pp	10.2%-3.4pp	9.2%-4.9pp	12.5%-2.6pp	13%-3.4pp
Return on assets	1.4%-0.1pp	1.3%-0.2pp	1.1%-0.4pp	1.5%0.0pp	1.5%-0.1pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Leverage
Debt-to-equity	0.2×—	0.3×+0.2×	0.2×-0.3×	——	——
Debt-to-assets	0×—	0×0.0×	0×0.0×	——	——
Valuation
Market capitalization	$1.18B+56.4%	$1.03B+28.8%	$910.06M+30.2%	$782.18M+18.0%	$749.58M+19.4%
Enterprise value	$1.26B—	$1.13B+54.8%	$958.54M+4.4%	——	——
Price / earnings	13.7×+4.7×	12.8×+3.4×	12.9×+4.6×	9.3×+1.6×	8.9×+1.9×
Price / sales	3.3×+0.7×	3×+0.2×	2.9×+0.4×	2.7×+0.3×	2.6×+0.4×
Price / book	1.3×+0.2×	1.1×0.0×	1.1×0.0×	1.1×0.0×	1.1×0.0×
EV / sales	3.5×—	3.3×+0.8×	3×-0.2×	——	——
Free cash flow yield	11.7%-0.6pp	11.5%-3.7pp	10.6%-7.1pp	13.8%-9.5pp	12.4%—
Earnings yield	7.3%-3.8pp	7.8%-2.9pp	7.8%-4.3pp	10.7%-2.2pp	11.2%-3.1pp
Dividend yield	1.1%-0.2pp	1.2%0.0pp	1.2%0.0pp	1.3%0.0pp	1.3%-0.1pp
PEG ratio	5×—	——	——	——	——

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Where do Old Second Bancorp's ratios come from?: Every ratio is computed from Old Second Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.