Stock Scorecard

Stock Summary for Old Second Bancorporation Inc (OSBC) - $16.79 as of 8/12/2025 1:36:18 PM EST

Total Score

13 out of 30

Safety Score

55 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for OSBC

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for OSBC

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for OSBC

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for OSBC

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for OSBC (55 out of 100)

Stock Price Rating (Max of 10) 6
Historical Stock Price Rating (Max of 10) 5
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 6
Book Value to Price (Max of 10) 2
Analyst Buy Ratings (Max of 5) 3
Analyst Strong Buy Ratings (Max of 5) 4
Dividend Yield Percentage (Max of 10) 1
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 4
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for OSBC

Company Overview
Ticker OSBC
Company Name Old Second Bancorporation Inc
Country USA
Description Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
Sector Name FINANCE
Industry Name STATE COMMERCIAL BANKS
Most Recent Quarter 6/30/2025
Next Earnings Date 10/15/2025

Stock Price History
Last Day Price 16.79
Price 4 Years Ago 11.95
Last Day Price Updated 8/12/2025 1:36:18 PM EST
Last Day Volume 112,002
Average Daily Volume 230,651
52-Week High 19.32
52-Week Low 14.04
Last Price to 52 Week Low 19.59%

Valuation Measures
Trailing PE 9.17
Industry PE 15.95
Sector PE 21.29
5-Year Average PE 10.92
Free Cash Flow Ratio 13.88
Industry Free Cash Flow Ratio 7.25
Sector Free Cash Flow Ratio 14.09
Current Ratio Most Recent Quarter 0.32
Total Cash Per Share 1.21
Book Value Per Share Most Recent Quarter 15.95
Price to Book Ratio 1.23
Industry Price to Book Ratio 1.06
Sector Price to Book Ratio 2.01
Price to Sales Ratio Twelve Trailing Months 3.13
Industry Price to Sales Ratio Twelve Trailing Months 3.05
Sector Price to Sales Ratio Twelve Trailing Months 3.24
Analyst Buy Ratings 3
Analyst Strong Buy Ratings 2

Share Statistics
Total Shares Outstanding 52,650,000
Market Capitalization 883,993,500
Institutional Ownership 63.13%

Dividends
Ex-Dividend Date 7/25/2025
Previous Dividend Amount 0.0600
Current Dividend Amount 0.0600
Total Years Dividend Increasing 1
Trailing Annual Dividend Rate 0.24
Trailing Annual Dividend Yield 1.43%
Forward Annual Dividend Rate 0.24
Forward Annual Dividend Yield 1.43%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 1.19%
5-Year Average Dividend Yield 1.29%
1-Year Dividend Growth Rate Percentage 14.29%
3-Year Dividend Growth Rate Percentage 6.90%
5-Year Dividend Growth Rate Percentage 10.67%
All-Time Dividend Growth Rate Percentage 2.36%
Dividend Payout Ratio 13.11%

Income Statement
Quarterly Earnings Growth YOY 0.00%
Annual Earnings Growth -7.05%
Reported EPS 12 Trailing Months 1.83
Reported EPS Past Year 0.95
Reported EPS Prior Year 1.89
Net Income Twelve Trailing Months 83,713,000
Net Income Past Year 85,264,000
Net Income Prior Year 91,729,000
Quarterly Revenue Growth YOY 9.80%
5-Year Revenue Growth 17.60%
Operating Margin Twelve Trailing Months 42.60%

Balance Sheet
Total Cash Most Recent Quarter 63,484,000
Total Cash Past Year 99,329,000
Total Cash Prior Year 100,145,000
Net Cash Position Most Recent Quarter -21,800,000
Net Cash Position Past Year 14,089,000
Long Term Debt Past Year 85,240,000
Long Term Debt Prior Year 85,155,000
Total Debt Most Recent Quarter 85,284,000
Equity to Debt Ratio Past Year 0.89
Equity to Debt Ratio Most Recent Quarter 0.89
Total Stockholder Equity Past Year 671,034,000
Total Stockholder Equity Prior Year 577,281,000
Total Stockholder Equity Most Recent Quarter 718,649,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 106,866,000
Free Cash Flow Per Share Twelve Trailing Months 2.03
Free Cash Flow Past Year 120,746,000
Free Cash Flow Prior Year 104,025,000

Options
Put/Call Ratio 0.00
Has Options Options Chain
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.02
MACD Signal 0.23
20-Day Bollinger Lower Band 14.22
20-Day Bollinger Middle Band 16.70
20-Day Bollinger Upper Band 19.17
Beta 0.80
RSI 36.81
50-Day SMA 17.04
150-Day SMA 15.16
200-Day SMA 14.68

System
Modified 8/12/2025 7:12:22 AM EST