Frequently Asked Questions about Old Second Bancorp, Inc. (OSBC)

Name: Old Second Bancorp, Inc. (OSBC) Institutional Financial Dataset
Creator: Olyth
License: https://olyth.xyz

Question 1

What does Old Second Bancorp, Inc. (OSBC) do?

Accepted Answer

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company als...

Question 2

Is Old Second Bancorp, Inc. (OSBC) a good stock to buy?

Accepted Answer

Olyth's institutional analysis of OSBC reveals an Altman Z-Score of 0.02 and a Piotroski F-Score of 6/9. These metrics, combined with its 5-year revenue trend ($0.40B most recent), help investors decide if OSBC fits their risk profile.

Question 3

What is the current P/E ratio for OSBC?

Accepted Answer

As of the latest trading session, Old Second Bancorp, Inc. (OSBC) has a trailing P/E ratio of 13.61.

Question 4

Who is the CEO of Old Second Bancorp, Inc.?

Accepted Answer

The current Chief Executive Officer of Old Second Bancorp, Inc. is James L. Eccher.

Question 5

What was OSBC's revenue for the last 5 years?

Accepted Answer

According to its latest income statements, Old Second Bancorp, Inc. reported annual revenues of $0.40B (2025), $0.34B (2024), $0.32B (2023), $0.26B (2022), $0.14B (2021) respectively.

Question 6

Does OSBC pay a dividend?

Accepted Answer

Old Second Bancorp, Inc. currently pays a dividend to its shareholders, with a trailing dividend yield of 1.25%.

Question 7

How much debt and cash flow does OSBC have?

Accepted Answer

In its latest reporting period, Old Second Bancorp, Inc. generated $0.12B in Free Cash Flow against a total debt load of $0.34B.

Question 8

What is the Price-to-Book (P/B) ratio of Old Second Bancorp, Inc.?

Accepted Answer

The Price-to-Book (P/B) ratio for Old Second Bancorp, Inc. (OSBC) is currently 1.22.

Question 9

What is the Price-to-Sales (P/S) ratio of OSBC?

Accepted Answer

Based on trailing twelve-month data, Old Second Bancorp, Inc. (OSBC) trades at a Price-to-Sales (P/S) ratio of 2.76.

Question 10

What is Old Second Bancorp, Inc.'s Return on Equity (ROE)?

Accepted Answer

Old Second Bancorp, Inc. (OSBC) has a Return on Equity (ROE) of 10.11%, representing its profitability relative to shareholder equity.

Period	Total Assets	Total Liabilities	Total Equity	Total Debt	Net Debt
2025-12	6.9B	6B	896.8M	338.9M	214.9M
2024-12	5.6B	5B	671M	141.9M	42.6M
2023-12	5.7B	5.1B	577.3M	516.6M	416.5M
2022-12	5.9B	5.4B	461.1M	260.8M	145.6M
2021-12	6.2B	5.7B	502M	198.9M	-553.2M

Period	Total Assets	Total Liabilities	Total Equity	Total Debt	Net Debt
2025-12	6.9B	6B	896.8M	338.9M	214.9M
2024-12	5.6B	5B	671M	141.9M	42.6M
2023-12	5.7B	5.1B	577.3M	516.6M	416.5M
2022-12	5.9B	5.4B	461.1M	260.8M	145.6M
2021-12	6.2B	5.7B	502M	198.9M	-553.2M