Old Second Bancorp OSBC Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 23.7%-6.2pp | 29.9%-2.2pp | 32.1%+5.0pp | 27%— | |
| Free cash flow margin | 34.7%-7.6pp | 42.3%— | —— | 37.3%— | |
| Returns | |||||
| Return on equity | 10.2%-3.4pp | 13.7%-4.0pp | 17.7%+3.7pp | 14%— | |
| Return on assets | 1.3%-0.2pp | 1.5%-0.1pp | 1.6%+0.5pp | 1.1%— | |
| Efficiency | |||||
| Asset turnover | 0.1×0.0× | 0.1×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.3×+0.2× | 0×-0.7× | 0.7×+0.5× | 0.2×— | |
| Debt-to-assets | 0×0.0× | 0×-0.1× | 0.1×+0.1× | 0×— | |
| Valuation | |||||
| Market capitalization | $1.18B+57.3% | $797.49M+15.6% | $690.08M-3.5% | $714.97M+21.3% | |
| Enterprise value | $1.26B— | $730.63M-27.4% | $1.01B+45.9% | $689.79M— | |
| Price / earnings | 13.7×+4.7× | 9.4×+1.8× | 7.5×-3.1× | 10.6×— | |
| Price / sales | 3.3×+0.7× | 2.8×+0.4× | 2.4×-0.5× | 2.9×-1.5× | |
| Price / book | 1.3×+0.2× | 1.2×0.0× | 1.2×-0.4× | 1.6×+0.4× | |
| EV / sales | 3.5×— | 2.6×-1.0× | 3.5×+0.8× | 2.8×— | |
| Free cash flow yield | 11.6%-0.7pp | 15.1%— | —— | 13%— | |
| Earnings yield | 7.3%-3.9pp | 10.7%-2.6pp | 13.3%+3.9pp | 9.4%— | |
| Dividend yield | 1.1%-0.2pp | 1.2%-0.1pp | 1.3%+0.1pp | 1.2%+0.5pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
