Old Second Bancorp, Inc. Financial Ratios — OSBC 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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5	4.71	5.76	4.32	2.71	2.54	2.31	2.34	2.3	2.59	2.84	2.81	2.74	3.27	3.38
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	48	- -	- -	90	405	20	215
LT Debt	104	104	104	104	103	102	102	117	109	94	149	139	85	85	100
Total Debt/EBITDA	21.1	45.55	22.25	40.65	49.47	74.47	90.22	94.92	52.37	28.41	39.13	33.21	63.62	11.49	28
Net Debt/EBITDA	10.75	16.84	12.51	28.59	32.57	53.93	66.97	75.26	35.5	-71.8	-159	16.48	50.62	0.65	16.98
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	5	4	5	4	2	2	2	3	3	3	4	7	8	9	11
EBITDA-CapEx	4	3	3	3	1	- -	1	1	-1	-1	2	3	-5	-2	7
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	0.07	0.06	0.13	0.16	0.19	0.22	0.24	0.23	0.27	0.22	0.14	0.2	0.23	0.27	0.26

Working Capital (USD)

Working Capital 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

Accounts Receivable Turnover	4.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	88.36	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	18	17	64	158	231	327	404	387	403	296	560	715	690	798	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	-166	-415	-174	-75	-147	-81	24	57	25	-436	-1,737	-711	-113	-358	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	-0.63	-0.49	-0.63	-1.98	-0.8	-2.12	9.09	4.67	6.27	-0.21	-0.09	-0.32	-4.35	-0.29	0.73
EV/Sales	- -	- -	- -	- -	- -	- -	0.23	0.48	0.19	- -	- -	- -	- -	- -	1.3
EV/EBITDA	- -	- -	- -	- -	- -	- -	9.92	20.34	8.36	- -	- -	- -	- -	- -	38.62
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.64	1.04	0.48	- -	- -	- -	- -	- -	3.55
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.62	1.01	0.44	- -	- -	- -	- -	- -	3.43
Diluted Market Cap	18	17	65	138	233	330	410	394	410	305	387	725	701	811	953
Diluted Enterprise Value	142	165	199	290	311	454	571	606	516	68	-217	839	1,091	817	1,144
EV per Share	- -	- -	- -	- -	- -	- -	0.8	1.92	0.84	- -	- -	- -	- -	- -	8.25
TTM Sales	99	95	85	85	88	91	104	120	131	127	133	245	281	280	333
TTM EBITDA	5	4	5	4	2	2	2	3	3	3	4	7	8	9	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	29	43	35	-6	21	27	37	55	53	26	31	97	116	132	122
TTM Free Cash Flow to Firm	30	44	37	-5	22	29	38	57	57	30	33	102	129	142	127

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	0.61	0.39	1.76	-26.56	10.4	11.28	10.74	6.94	7.19	10.19	11.7	7.13	5.44	5.7	7.52
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-166	-415	-174	-75	-147	-81	24	57	25	-436	-1,737	-711	-113	-358	435
Low Price	0.83	1.1	1.2	4.33	5.06	6.22	9.65	11.32	11.24	5.96	9.75	12.55	10.79	13	14.14
EV/Sales	- -	- -	- -	- -	- -	- -	0.23	0.48	0.19	- -	- -	- -	- -	- -	1.3
EV/EBITDA	- -	- -	- -	- -	- -	- -	9.92	20.34	8.36	- -	- -	- -	- -	- -	38.62
Price/Earnings	- -	- -	0.84	13.17	17.1	20.81	26.69	11.36	10.2	10.75	18.97	10.6	7.52	9.35	11.87
Price/Earnings Average	-1.51	-3.91	0.82	11.78	13.69	14.46	23.19	12.73	9.76	9.54	18.96	9.63	7.03	8.1	10.79
Price/Earnings High	-2.3	-5.51	1.26	13.37	17.76	21.92	29.14	14.25	11.21	14.43	21.78	11.76	8.62	10.18	12.76
Price/Earnings Low	-1.04	-3.06	0.22	10.62	11.04	11.71	18.87	9.89	8.52	6.35	14.69	8.29	5.25	6.83	8.61
Price/Book Value	5.81	25.16	0.86	1.08	1.48	1.86	2.02	1.69	1.45	0.96	1.12	1.55	1.2	1.19	1.15
Price/Book Value Average	5.4	28.95	0.84	0.96	1.19	1.3	1.75	1.89	1.39	0.86	1.11	1.41	1.12	1.03	1.04
Price/Book Value High	8.23	40.83	1.29	1.09	1.54	1.96	2.2	2.12	1.59	1.29	1.28	1.72	1.37	1.3	1.23
Price/Book Value Low	3.71	22.68	0.22	0.87	0.96	1.05	1.43	1.47	1.21	0.57	0.86	1.21	0.84	0.87	0.83
Price/Tangible Book Value	-3.63	-2.56	0.95	1.12	1.54	2.05	2.19	1.94	1.61	1.05	1.43	2.04	1.47	1.46	1.4
Price/Tangible Book Value Average	-3.37	-2.95	0.93	1	1.23	1.42	1.9	2.17	1.54	0.93	1.43	1.86	1.37	1.27	1.27
Price/Tangible Book Value High	-5.14	-4.16	1.42	1.14	1.6	2.15	2.39	2.43	1.77	1.41	1.64	2.27	1.69	1.59	1.5
Price/Tangible Book Value Low	-2.32	-2.31	0.25	0.9	0.99	1.15	1.55	1.69	1.34	0.62	1.11	1.6	1.03	1.07	1.01
Price/Sales	0.18	0.18	0.76	1.63	2.63	3.6	3.89	3.21	3.08	2.36	2.85	2.92	2.45	2.85	2.86
Price/Sales Average	0.17	0.21	0.74	1.46	2.1	2.5	3.38	3.6	2.95	2.09	2.85	2.65	2.29	2.47	2.6
Price/Sales High	0.26	0.29	1.13	1.66	2.73	3.8	4.24	4.03	3.39	3.16	3.27	3.24	2.81	3.1	3.08
Price/Sales Low	0.12	0.16	0.2	1.32	1.7	2.03	2.75	2.8	2.57	1.39	2.21	2.28	1.72	2.08	2.07
Price/Cash Flow	0.62	0.4	1.83	-21.94	10.93	11.97	10.89	7.04	7.65	11.51	12.25	7.34	5.92	6.06	7.8
Price/Cash Flow Average	0.58	0.46	1.79	-19.62	8.75	8.32	9.46	7.88	7.31	10.22	12.24	6.67	5.54	5.25	7.09
Price/Cash Flow High	0.88	0.64	2.74	-22.27	11.35	12.61	11.89	8.83	8.4	15.45	14.06	8.14	6.79	6.6	8.38
Price/Cash Flow Low	0.4	0.36	0.47	-17.69	7.06	6.74	7.7	6.13	6.38	6.79	9.49	5.74	4.14	4.43	5.65
Price/Free Cash Flow Average	0.57	0.45	1.72	-23.75	8.32	7.84	9.34	7.77	6.87	9.04	11.69	6.48	5.09	4.94	6.84
Price/Free Cash Flow High	0.87	0.63	2.63	-26.96	10.8	11.88	11.73	8.7	7.9	13.67	13.43	7.92	6.24	6.21	8.08
Price/Free Cash Flow Low	0.39	0.35	0.46	-21.42	6.71	6.35	7.6	6.04	6	6.01	9.06	5.58	3.8	4.17	5.45
EV/Sales Average	1.43	1.76	2.32	3.46	2.99	3.88	4.93	5.36	3.77	0.21	- -	3.12	3.68	2.49	3.38
EV/Sales High	1.52	1.84	2.71	3.69	3.61	5.17	5.8	5.79	4.21	1.27	0.29	3.7	4.2	3.13	3.89
EV/Sales Low	1.37	1.71	1.77	3.3	2.58	3.4	4.3	4.56	3.39	- -	- -	2.75	3.1	2.11	2.81
EV/EBITDA Average	28.59	37.31	40.29	80.12	110.09	152.46	213.24	229.47	163.97	8.06	-11.68	110.89	134.37	76.09	99.98
EV/EBITDA High	30.39	39.13	47.1	85.33	133.15	203.25	250.75	247.91	183.12	48.92	10.25	131.74	153.32	95.54	115.08
EV/EBITDA Low	27.51	36.36	30.83	76.32	95.09	133.72	186	195.16	147.61	-18.7	-44.8	97.75	113.23	64.33	83.16
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	1.3	1.22	4.62	5.37	7.84	11.05	13.65	13	13.47	10.1	12.59	16.04	15.44	17.78	19.5
High Price	1.84	1.98	6.92	5.45	8.14	11.64	14.9	16.3	14.8	13.55	14.45	17.8	17.7	19.37	20.96
Enterprise Value Average	141	167	197	293	263	351	512	645	492	27	-44	763	1,035	697	1,125
Enterprise Value High	150	175	230	312	318	468	602	697	550	161	39	907	1,181	875	1,295
Enterprise Value Low	135	163	151	279	227	308	447	548	443	-62	-170	673	872	589	936

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	49
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	0.35	0.32	0.35	0.14	0.08	0.08	0.08	0.09	0.1	0.11	0.13	0.15	0.17	0.2	0.23
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	1.64
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	1.64
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

Old Second Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)