Old Second Bancorporation IncOSBC
Price$24.63Intrinsic value$15.9135% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $322.5M+14.6% YoYTTM through 30 Jun 2026
Net Income $92.4M+8.4% YoYTTM through 30 Jun 2026
Free Cash Flow $142.2MTTM through 30 Jun 2026

Margins

Current
Operating Margin32.3%
Net Margin24.9%

Returns

10.8%ROE
1.6%ROA
11.7%ROIC

Balance Sheet Health

Debt / Equity0.02x
Net Debt-$113.5Mnet cash position
Cash & Equivalents$143.3M

Quality Metrics

Piotroski F-Score4 / 9
FCF Margin44.1%
Rule of 4047.8
Earnings-Beat Rate75.0%

Multi-Year Trend

Diluted EPS$1.73TTM
'19'20'21'22'23'24'25
FY2025: $1.62

Dividend

$0.14Per share, FY20261.18%Yield-2.6%5-yr growth

Capital Allocation

Capex Intensity1.1%
All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.