Old Second Bancorp OSBC Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM 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%— | 30.3%— | 36.8%— | 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× | |
| Valuation | ||||||
| Market capitalization | $1.18B+57.3% | $1.03B+28.8% | $910.06M+30.2% | $782.18M+18.0% | $749.58M+19.4% | |
| 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× | |
| Free cash flow yield | 11.6%-0.7pp | 11.5%— | 10.6%— | 13.8%— | 12.4%— | |
| Earnings yield | 7.3%-3.9pp | 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 |
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.
