Old Second Bancorp Inc - Understand $osbc stock

$OSBC Market Cap: $834.7 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$222.6M

TTM

Gross Margin

Net Earnings

$84.38M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$5.672B

Q3 2024

Total Liabilities

$5.010B

Q3 2024

Book Value

$661.4M

Q3 2024

Cash

$115.8M

Q3 2024

P/E

9.893

Nov 14, 2024 EST

Free Cash Flow

$77.67M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue	$292.0M	$216.5M	$105.2M	$104.2M	$115.6M	$107.6M					$69.04M	$75.08M	$85.42M	$106.7M
YoY Change	34.88%	105.74%	0.96%	-9.84%	7.41%						-8.05%	-12.11%	-19.93%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2013	2012	2011	2010
Revenue	$292.0M	$216.5M	$105.2M	$104.2M	$115.6M	$107.6M	$69.04M	$75.08M	$85.42M	$106.7M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$7.277M	$15.80M	$7.938M	$5.143M	$5.631M	$6.745M
YoY Change	-53.93%	98.98%	54.35%	-8.67%	-16.52%
% of Gross Profit
Depreciation & Amortization	$4.485M	$4.085M	$3.152M	$2.798M	$2.462M	$2.423M	$2.410M	$2.310M	$2.390M	$3.670M	$2.794M	$3.074M	$4.076M	$4.564M	$6.140M	$5.750M	$4.690M	$4.240M	$3.720M	$3.290M	$2.990M	$2.530M	$2.710M	$2.650M	$2.810M	$3.000M	$2.630M
YoY Change	9.79%	29.6%	12.65%	13.65%	1.61%	0.54%	4.33%	-3.35%	-34.88%	31.35%	-9.11%	-24.58%	-10.69%	-25.67%	6.78%	22.6%	10.61%	13.98%	13.07%	10.03%	18.18%	-6.64%	2.26%	-5.69%	-6.33%	14.07%
% of Gross Profit
Operating Expenses	$7.277M	$15.80M	$7.938M	$5.143M	$5.631M	$6.745M
YoY Change	-53.93%	98.98%	54.35%	-8.67%	-16.52%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2013	2012	2011	2010
Interest Expense	$40.04M	$10.32M	$8.451M	$12.46M	$18.84M	$16.68M	$13.79M	$15.74M	$21.47M	$28.07M
YoY Change	288.09%	22.08%	-32.2%	-33.83%	12.93%		-12.39%	-26.72%	-23.5%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$124.4M	$91.55M	$27.87M	$37.41M	$51.86M	$43.94M	$34.30M	$24.50M	$24.40M	$15.90M	$11.84M	-$72.00K	-$6.498M	-$66.78M	-$111.2M	$14.10M	$32.80M	$33.50M	$41.30M	$39.60M	$34.20M	$30.90M	$26.50M	$19.40M	$18.20M	$16.10M	$13.60M	$12.00M	$12.10M	$9.900M	$8.800M	$7.600M
YoY Change	35.89%	228.52%	-25.51%	-27.86%	18.03%	28.09%	40.0%	0.41%	53.46%	34.26%	-16548.61%	-98.89%	-90.27%	-39.95%	-888.65%	-57.01%	-2.09%	-18.89%	4.29%	15.79%	10.68%	16.6%	36.6%	6.59%	13.04%	18.38%	13.33%	-0.83%	22.22%	12.5%	15.79%	20.63%
Income Tax	$32.68M	$24.14M	$7.823M	$9.583M	$12.40M	$9.924M	$9.700M	$8.800M	$9.000M	$5.800M	-$70.24M	$0.00	$0.00	$41.87M	-$45.60M	$2.300M	$8.800M	$9.900M	$13.60M	$13.30M	$12.10M	$10.80M	$9.300M	$6.000M	$5.800M	$5.000M	$4.000M	$3.600M	$3.400M	$2.600M	$1.800M	$1.500M
% Of Pretax Income	26.27%	26.37%	28.07%	25.62%	23.92%	22.59%	28.28%	35.92%	36.89%	36.48%	-593.11%					16.31%	26.83%	29.55%	32.93%	33.59%	35.38%	34.95%	35.09%	30.93%	31.87%	31.06%	29.41%	30.0%	28.1%	26.26%	20.45%	19.74%
Net Earnings	$91.73M	$67.41M	$20.04M	$27.83M	$39.46M	$34.01M	$15.10M	$15.70M	$15.40M	$10.10M	$82.09M	-$72.00K	-$6.498M	-$108.6M	-$65.60M	$11.80M	$24.00M	$23.70M	$27.70M	$26.30M	$22.10M	$20.10M	$17.20M	$13.50M	$12.40M	$11.00M	$9.600M	$8.300M	$8.800M	$7.300M	$7.000M	$6.100M
YoY Change	36.09%	236.29%	-27.96%	-29.48%	16.0%	125.25%	-3.82%	1.95%	52.48%	-87.7%	-114106.94%	-98.89%	-94.02%	65.62%	-655.93%	-50.83%	1.27%	-14.44%	5.32%	19.0%	9.95%	16.86%	27.41%	8.87%	12.73%	14.58%	15.66%	-5.68%	20.55%	4.29%	14.75%	17.31%
Net Earnings / Revenue	31.42%	31.14%	19.05%	26.7%	34.13%	31.6%					118.89%	-0.1%	-7.61%	-101.84%
Basic Earnings Per Share	$2.05	$1.51	$0.66	$0.94	$1.32	$1.14					$5.45	-$0.36	-$0.79	-$8.03
Diluted Earnings Per Share	$2.02	$1.491M	$0.65	$0.92	$1.30	$1.12	$503.3K	$526.8K	$518.5K	$396.1K	$5.45	-$0.36	-$0.79	-$8.03	-$4.754M	$861.3K	$1.890M	$1.756M	$2.022M	$1.948M	$1.556M	$1.340M	$1.117M	$859.9K	$760.7K	$674.8K	$589.0K	$509.2K	$539.9K	$465.0K	$445.9K	$429.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$79.31M	$76.92M	$88.00M	$45.50M	$44.40M	$42.40M	$37.60M	$39.00M	$39.60M	$42.30M	$46.00M	$47.00M	$50.50M	$54.60M	$58.40M	$62.50M	$49.70M	$48.40M	$42.50M	$36.20M	$33.00M	$29.70M	$24.40M	$22.20M	$20.70M	$21.00M	$20.80M	$19.40M	$14.60M	$14.30M	$13.00M	$13.10M
YoY Change	3.1%	-12.59%	93.41%	2.48%	4.72%	12.77%	-3.59%	-1.52%	-6.38%	-8.04%	-2.13%	-6.93%	-7.51%	-6.51%	-6.56%	25.75%	2.69%	13.88%	17.4%	9.7%	11.11%	21.72%	9.91%	7.25%	-1.43%	0.96%	7.22%	32.88%	2.1%	10.0%	-0.76%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$31.08M	$44.75M	$6.100M	$8.100M	$11.50M	$21.30M	$25.40M	$53.50M	$64.60M	$70.10M	$75.30M	$900.0K
YoY Change	-30.55%	633.61%	-24.69%	-29.57%	-46.01%	-16.14%	-52.52%	-17.18%	-7.85%	-6.91%	8266.67%
Total Long-Term Assets
YoY Change
Total Assets	$5.723B	$5.888B	$6.212B	$3.041B	$2.636B	$2.676B	$2.383B	$2.251B	$2.077B	$2.062B	$2.004B	$2.046B	$1.941B	$2.124B	$2.597B	$2.985B	$2.659B	$2.459B	$2.368B	$2.105B	$1.839B	$1.608B	$1.333B	$1.149B	$998.5M	$1.014B	$948.4M	$889.8M	$760.7M	$708.2M	$624.4M	$580.7M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$431.5M	$122.2M	$50.30M	$67.00M	$48.70M	$46.60M	$29.90M	$95.70M	$49.10M	$66.00M	$27.60M	$117.9M	$900.0K	$6.200M	$23.40M	$77.60M	$221.2M	$165.3M	$229.5M	$121.0M	$153.9M	$68.60M	$63.70M	$23.70M	$27.60M	$37.10M	$31.00M	$6.200M	$9.100M	$9.600M	$7.800M	$10.30M
YoY Change	253.21%	142.85%	-24.93%	37.58%	4.51%	55.85%	-68.76%	94.91%	-25.61%	139.13%	-76.59%	13000.0%	-85.48%	-73.5%	-69.85%	-64.92%	33.82%	-27.97%	89.67%	-21.38%	124.34%	7.69%	168.78%	-14.13%	-25.61%	19.68%	400.0%	-31.87%	-5.21%	23.08%	-24.27%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$431.5M	$122.2M	$50.30M	$67.00M	$48.70M	$46.60M	$29.90M	$95.70M	$49.10M	$66.00M	$27.60M	$117.9M	$900.0K	$6.200M	$23.40M	$77.60M	$221.2M	$165.3M	$229.5M	$121.0M	$153.9M	$68.60M	$63.70M	$23.70M	$27.60M	$37.10M	$31.00M	$6.200M	$9.100M	$9.600M	$7.800M	$10.30M
YoY Change	253.21%	142.85%	-24.93%	37.58%	4.51%	55.85%	-68.76%	94.91%	-25.61%	139.13%	-76.59%	13000.0%	-85.48%	-73.5%	-69.85%	-64.92%	33.82%	-27.97%	89.67%	-21.38%	124.34%	7.69%	168.78%	-14.13%	-25.61%	19.68%	400.0%	-31.87%	-5.21%	23.08%	-24.27%
Long-Term Debt	$85.16M	$138.7M	$148.5M	$93.50M	$108.7M	$117.2M	$101.7M	$101.6M	$103.0M	$103.9M	$103.9M	$103.9M	$103.9M	$103.9M	$103.9M	$126.6M	$76.00M	$48.10M	$34.80M	$34.30M	$32.10M	$0.00	$33.40M	$3.400M	$9.500M	$36.20M	$24.10M	$1.000M	$0.00	$100.0K	$3.100M	$4.100M
YoY Change	-38.58%	-6.63%	58.82%	-13.98%	-7.25%	15.24%	0.1%	-1.36%	-0.87%	0.0%	0.0%	0.0%	0.0%	0.0%	-17.93%	66.58%	58.0%	38.22%	1.46%	6.85%		-100.0%	882.35%	-64.21%	-73.76%	50.21%	2310.0%		-100.0%	-96.77%	-24.39%
Other Long-Term Liabilities	$58.15M	$55.64M	$45.10M	$36.20M	$25.10M	$16.90M	$13.50M	$11.90M	$9.900M	$12.70M	$42.80M	$34.30M	$21.90M	$21.40M	$15.90M	$33.20M	$17.90M	$24.50M	$16.00M	$15.80M	$11.20M	$15.70M	$20.50M	$12.80M	$9.300M	$12.70M	$12.20M	$8.400M	$6.800M	$5.100M	$4.500M	$4.700M
YoY Change	4.5%	23.37%	24.59%	44.22%	48.52%	25.19%	13.45%	20.2%	-22.05%	-70.33%	24.78%	56.62%	2.34%	34.59%	-52.11%	85.47%	-26.94%	53.13%	1.27%	41.07%	-28.66%	-23.41%	60.16%	37.63%	-26.77%	4.1%	45.24%	23.53%	33.33%	13.33%	-4.26%
Total Long-Term Liabilities	$143.3M	$194.3M	$193.6M	$129.7M	$133.8M	$134.1M	$115.2M	$113.5M	$112.9M	$116.6M	$146.7M	$138.2M	$125.8M	$125.3M	$119.8M	$159.8M	$93.90M	$72.60M	$50.80M	$50.10M	$43.30M	$15.70M	$53.90M	$16.20M	$18.80M	$48.90M	$36.30M	$9.400M	$6.800M	$5.200M	$7.600M	$8.800M
YoY Change	-26.25%	0.36%	49.27%	-3.06%	-0.22%	16.41%	1.5%	0.53%	-3.17%	-20.52%	6.15%	9.86%	0.4%	4.59%	-25.03%	70.18%	29.34%	42.91%	1.4%	15.7%	175.8%	-70.87%	232.72%	-13.83%	-61.55%	34.71%	286.17%	38.24%	30.77%	-31.58%	-13.64%
Total Liabilities	$5.146B	$5.427B	$5.710B	$2.734B	$2.358B	$2.447B	$2.183B	$2.076B	$1.921B	$1.868B	$1.856B	$1.973B	$1.867B	$2.040B	$2.399B	$2.792B	$2.509B	$2.301B	$2.216B	$1.970B	$1.722B	$1.475B	$1.208B	$1.037B	$894.7M	$912.4M	$856.3M	$805.6M	$685.3M	$646.6M	$566.1M	$527.2M
YoY Change	-5.19%	-4.96%	108.87%	15.95%	-3.65%	12.08%	5.16%	8.06%	2.86%	0.61%	-5.92%	5.67%	-8.46%	-14.98%	-14.05%	11.27%	9.05%	3.84%	12.47%	14.41%	16.74%	22.06%	16.58%	15.85%	-1.94%	6.55%	6.29%	17.55%	5.99%	14.22%	7.38%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	44.66M	44.53M	30.21M	29.62M	29.89M	29.73M	29.60M	29.53M	29.48M	25.30M	13.94M shares	14.07M shares	14.02M shares
Diluted Shares Outstanding	45.40M	45.21M	30.74M	30.17M	30.42M	30.31M					14.11M shares	14.21M shares	14.22M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $834.72 Million

About Old Second Bancorp Inc

Old Second Bancorp, Inc. is a bank holding company. The company is headquartered in Aurora, Illinois and currently employs 834 full-time employees. The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. The company also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. The company provides variety of additional services to the needs of individual customers, such as the money orders, cashiers’ checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. The company also provides complement of electronic banking services such as online and mobile banking and corporate cash management products.

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