Old Second Bancorp, Inc. Financial Ratios — OSB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-130.74	-264.73	203.7	9.48	8.93	9.47	8.06	15.84	15.57	9.51	4.95	14	17.67	13.66	10.24
Return on Assets (%)	-0.32	- -	4.05	0.5	0.74	0.72	0.65	1.34	1.49	0.98	0.43	1.11	1.58	1.5	1.28
Return on Capital (%)	- -	- -	- -	3.38	4.99	5.05	3.96	7.45	8.48	6.66	3.81	10.06	10.44	9.25	8.08
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-6.59	-0.08	13.93	18.75	27.69	27.06	33.01	36.52	39.71	29.45	20.88	37.38	44.28	40.36	32.35
Profit Margin (%)	-6.59	-0.08	96.58	11.96	17.49	17.32	14.57	28.27	30.21	21.9	15.02	27.52	32.65	30.46	24.11
Net Income to Common Margin (%)	-11.4	-5.32	90.39	12.4	15.36	17.32	14.57	28.27	30.21	21.9	15.02	27.52	32.65	30.46	24.11
Effective Tax Rate (%)	- -	- -	- -	36.24	36.85	35.99	55.87	22.59	23.92	25.62	28.07	26.37	26.27	24.52	25.47
Dvd Payout Ratio (%)	42.13	98.58	-6.84	121.45	4.03	5.66	7.82	3.5	3.03	4.26	23.01	13.17	9.75	11.04	15.24
Sustainable Growth Rate (%)	-75.66	-3.77	217.64	-2.03	8.57	8.94	7.43	15.29	15.09	9.11	3.81	12.15	15.94	12.15	8.68

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	104	204	109	149	118	172	217	267	157	94	149	229	490	105	315
ST Debt	- -	100	5	45	15	70	115	150	49	- -	- -	90	405	20	215
LT Debt	104	104	104	104	103	102	102	117	109	94	149	139	85	85	100
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.16	0.03	3.73	7.12	7.51	7.78	8.41	8.56	10.54	10.1	8.08	7.83	10.09	11.88	12.99
Long-Term Debt/Equity (%)	140.37	143.18	70.33	53.5	66.08	57.98	50.76	51.17	39.11	30.46	29.59	30.07	14.75	12.7	11.17
Long-Term Debt/Capital (%)	58.4	37.58	40.49	30.28	37.61	29.29	24.39	23.64	24.98	23.35	22.83	20.1	7.98	10.98	8.26
Long-Term Debt/Total Assets (%)	5.35	5.08	5.18	5.04	4.96	4.51	4.27	4.38	4.12	3.08	2.39	2.35	1.49	1.51	1.45
Total Debt/Equity (%)	140.37	281.01	73.72	76.68	75.7	97.93	108.16	116.43	56.57	30.46	29.59	49.58	84.91	15.68	35.14
Total Debt/Capital (%)	58.4	73.75	42.44	43.4	43.09	49.48	51.96	53.8	36.13	23.35	22.83	33.15	45.92	13.56	26
Total Debt/Total Assets (%)	5.35	9.97	5.43	7.22	5.68	7.62	9.09	9.97	5.96	3.08	2.39	3.88	8.56	1.86	4.57
Net Debt to Equity	71.52	103.89	41.45	53.91	49.83	70.92	80.29	92.32	38.34	-76.97	-120.23	24.61	67.56	0.88	21.31
Net Debt/Capital (%)	41.7	50.95	29.3	35.03	33.26	41.49	44.53	48	27.72	-334.2	594.41	19.75	40.32	0.87	17.57
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.16	0.03	3.73	7.12	7.51	7.78	8.41	8.56	10.54	10.1	8.08	7.83	10.09	11.88	12.99
Long-Term Debt/Equity (%)	140.37	143.18	70.33	53.5	66.08	57.98	50.76	51.17	39.11	30.46	29.59	30.07	14.75	12.7	11.17
Long-Term Debt/Capital (%)	58.4	37.58	40.49	30.28	37.61	29.29	24.39	23.64	24.98	23.35	22.83	20.1	7.98	10.98	8.26
Long-Term Debt/Total Assets (%)	5.35	5.08	5.18	5.04	4.96	4.51	4.27	4.38	4.12	3.08	2.39	2.35	1.49	1.51	1.45
Total Debt/Equity (%)	140.37	281.01	73.72	76.68	75.7	97.93	108.16	116.43	56.57	30.46	29.59	49.58	84.91	15.68	35.14
Total Debt/Capital (%)	58.4	73.75	42.44	43.4	43.09	49.48	51.96	53.8	36.13	23.35	22.83	33.15	45.92	13.56	26
Total Debt/Total Assets (%)	5.35	9.97	5.43	7.22	5.68	7.62	9.09	9.97	5.96	3.08	2.39	3.88	8.56	1.86	4.57
CFO/Total Liabilities	1.57	2.19	1.9	-0.34	1.1	1.31	1.7	2.24	2.23	0.95	0.54	1.79	2.26	2.64	2.04
CFO/CapEx	36.63	41.28	19.61	-5.75	16.51	13.72	35.17	28.97	12.03	6.63	15.27	22.47	9.41	12.19	27.14
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	290	564	726	696	659	1,027
- Cash & Cash Equivalents	51	129	48	44	40	47	56	55	51	330	752	115	100	99	124
+ Preferred Equity and Hybrid Capital	71	72	73	47	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	104	204	109	149	118	172	217	267	157	94	149	229	490	105	315
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-442	-1,733	-700	-107	-497	435
Total Capital	178	276	257	343	274	347	417	496	435	401	651	690	1,067	776	1,212
Total Debt/Capital (%)	58.4	73.75	42.44	43.4	43.09	49.48	51.96	53.8	36.13	23.35	22.83	33.15	45.92	13.56	26
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.21	-0.09	-0.33	-4.58	-0.21	0.72
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.31
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.56
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.69
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	299	390	736	707	670	969
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-434	-1,907	-690	-96	-486	376
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.26
TTM Sales	99	95	85	85	88	91	104	120	131	127	133	245	281	280	333
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	-6	21	27	37	55	53	26	31	97	116	132	122
TTM Free Cash Flow to Firm	- -	- -	- -	-7	20	25	36	53	48	22	29	93	104	121	118

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.54	13.44	7.91	6.79	5.55	8.23
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-442	-1,733	-700	-107	-497	435
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.08	9.59	12.32	10.96	12.93	13.56
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.31
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.54	19.12	10.75	7.58	7.72	11.87
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.98	18.65	9.53	6.96	7.92	10.51
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.41	21.23	11.54	8.46	9.67	12.51
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.47	14.45	8.14	5.34	6.8	8.25
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.95	1.12	1.57	1.21	0.98	1.15
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.81	1.1	1.39	1.11	1.01	1.01
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.2	1.25	1.69	1.35	1.23	1.21
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.58	0.85	1.19	0.85	0.86	0.8
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03	1.44	2.07	1.48	1.21	1.4
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.88	1.4	1.84	1.36	1.24	1.24
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.31	1.6	2.23	1.66	1.51	1.47
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.63	1.09	1.57	1.04	1.06	0.97
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.31	2.87	2.96	2.47	2.35	2.86
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.97	2.8	2.62	2.27	2.41	2.53
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.94	3.19	3.18	2.76	2.94	3.02
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.42	2.17	2.24	1.74	2.07	1.99
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.29	12.35	7.44	5.97	5	7.8
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.62	12.04	6.6	5.49	5.13	6.9
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.36	13.71	7.99	6.67	6.27	8.21
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.93	9.33	5.64	4.21	4.41	5.42
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.53	13.11	7.01	6.24	5.69	7.28
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.22	14.92	8.49	7.59	6.95	8.67
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.31	10.16	5.99	4.78	4.89	5.72
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.95
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.47
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.36
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.9	12.69	16.28	15.56	14.68	19.5
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.59	14.09	17.48	17.38	18.38	20.55
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-485	-1,747	-783	-164	-480	317
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-363	-1,671	-647	-26	-331	490
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-554	-1,871	-877	-313	-575	121

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	14	14	14	29	29	30	30	30	30	29	44	45	45	45	53
Diluted Weighted Avg Shares	14	14	14	26	30	30	30	30	30	30	31	45	45	46	50
Basic Weighted Avg Shares	14	14	14	26	29	30	30	30	30	30	30	45	45	45	49
Revenue per Share	7.03	6.75	6.1	3.29	2.98	3.07	3.51	4.05	4.37	4.29	4.42	5.5	6.29	6.24	6.82
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.8	-0.36	5.51	0.41	0.46	0.53	0.51	1.14	1.32	0.94	0.66	1.51	2.05	1.9	1.64
Basic EPS from Cont Ops	-0.46	-0.01	5.89	0.39	0.52	0.53	0.51	1.14	1.32	0.94	0.66	1.51	2.05	1.9	1.64
Diluted EPS, GAAP	-0.79	-0.36	5.45	0.41	0.45	0.53	0.5	1.12	1.3	0.92	0.65	1.49	2.02	1.87	1.62
Diluted EPS from Cont Ops	-0.46	-0.01	5.82	0.39	0.52	0.53	0.5	1.12	1.3	0.92	0.65	1.49	2.02	1.87	1.62
Dividend per Share	- -	- -	- -	0.48	0.08	0.03	0.04	0.04	0.04	0.04	0.15	0.2	0.2	0.21	0.25
Cash Flow per Share	2.09	3.08	2.53	-0.24	0.72	0.92	1.25	1.85	1.76	0.88	1.03	2.19	2.61	2.93	2.5
Free Cash Flow per Basic Share	2.03	3	2.4	-0.29	0.67	0.86	1.22	1.78	1.61	0.74	0.96	2.09	2.33	2.69	2.41
Cash & Equivalents per Share	25.54	50.3	30.17	14.59	16.84	19.6	20.16	20.04	17.88	28.17	55.01	37.11	28.93	28.1	17.23
Book Value per Share	0.22	0.05	5.37	4.99	5.29	5.93	6.76	7.7	9.28	10.47	11.29	10.34	12.92	14.95	17.03
Tangible Book Value per Share	-0.36	-0.48	4.87	4.8	5.09	5.4	6.23	6.72	8.37	9.62	8.82	7.85	10.5	12.15	13.94