← OLD SECOND BANCORP INC OSBC
Market Price
$25.89
Market Cap
$1.33B
P/E Ratio
15.98
Revenue (FY 2025)
↑26.9% YoY
$2.29M
3-Yr CAGR: 4.3%
Net Income
↓-5.8% YoY
$80.31M
Net Margin: 3,505.5%
Free Cash Flow
↓-2.5% YoY
$117.76M
FCF Yield: 8.87%
EPS (Diluted)
↓-13.4% YoY
$1.62
Basic: $1.64
Return on Equity
Efficiency
9.0%
ROA: 339.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (OSBC)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2017: Revenue YoY (-24.3%) is identical to Gross Profit YoY (-24.3%). Verify the underlying Revenue and Gross Profit values for FY 2017 and FY 2016.
- FY 2018: Revenue YoY (-21.1%) is identical to Gross Profit YoY (-21.1%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2019: Revenue YoY (+34.8%) is identical to Gross Profit YoY (+34.8%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (+203.6%) is identical to Gross Profit YoY (+203.6%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (-40.1%) is identical to Gross Profit YoY (-40.1%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (-78.3%) is identical to Gross Profit YoY (-78.3%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (-27.0%) is identical to Gross Profit YoY (-27.0%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+22.2%) is identical to Gross Profit YoY (+22.2%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+26.9%) is identical to Gross Profit YoY (+26.9%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $6.3M | — | $6.3M | $15.7M | — | $0.53 | — | $27.3M | $25.3M | — |
| FY 2017 | $4.8M | -24.3% | $4.8M | $15.1M | -3.5% | $0.50 | -5.7% | $37.1M | $36.0M | +42.7% |
| FY 2018 | $3.8M | -21.1% | $3.8M | $34.0M | +124.7% | $1.12 | +124.0% | $54.9M | $53.0M | +47.1% |
| FY 2019 | $5.1M | +34.8% | $5.1M | $39.5M | +16.0% | $1.30 | +16.1% | $52.6M | $48.3M | -9.0% |
| FY 2020 | $15.5M | +203.6% | $15.5M | $27.8M | -29.5% | $0.92 | -29.2% | $26.0M | $22.1M | -54.3% |
| FY 2021 | $9.3M | -40.1% | $9.3M | $20.0M | -28.0% | $0.65 | -29.3% | $31.0M | $29.0M | +31.5% |
| FY 2022 | $2.0M | -78.3% | $2.0M | $67.4M | +236.3% | $1.49 | +129.2% | $97.3M | $93.0M | +220.6% |
| FY 2023 | $1.5M | -27.0% | $1.5M | $91.7M | +36.1% | $2.02 | +35.6% | $116.4M | $104.0M | +11.8% |
| FY 2024 | $1.8M | +22.2% | $1.8M | $85.3M | -7.0% | $1.87 | -7.4% | $131.5M | $120.7M | +16.1% |
| FY 2025 | $2.3M | +26.9% | $2.3M | $80.3M | -5.8% | $1.62 | -13.4% | $122.3M | $117.8M | -2.5% |
Valuation
Market Price
$25.89
Market Cap
$1.33B
Enterprise Value
N/A
P/E Ratio
15.98
P/B Ratio
1.48
FCF Yield
8.87%
Dividend Yield
0.97%
Shares Outstanding
Profitability & Margins
Gross Margin
1.11%
Operating Margin
4,703.23%
Net Margin
3,505.46%
Return on Equity (ROE)
8.96%
Return on Assets (ROA)
338.98%
Asset Turnover
0.10x
Revenue 3-Yr CAGR
4.25%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$124.03M
Total Debt
N/A
Book Value / Share
$17.44
Cash Flow Efficiency
Operating Cash Flow
$122.26M
Capital Expenditures (CapEx)
$4.50M
Free Cash Flow
$117.76M
OCF / Revenue
5,336.71%
FCF / Revenue
5,140.07%
FCF 3-Yr CAGR
8.18%
Per Share Metrics
EPS (Diluted)
$1.62
EPS (Basic)
$1.64
Dividends / Share
$0.25
Book Value / Share
$17.44
EPS YoY Growth
-13.37%
Balance Sheet (FY 2025)
Total Assets
$23.69M
Total Liabilities
$6.01B
Stockholders' Equity
$896.77M
Current Assets
N/A
Current Liabilities
N/A