# Old Second Bancorp Inc. (OSBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $25.72, market value $1.3 billion.

## Valuation
- **P/E (trailing): 14.9×** (5-yr avg 11.4×, 3-yr avg 9.5×). Old Second Bancorp Inc. trades at 14.9× trailing earnings, well above its own five-year average of 11.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.9%** (5-yr avg 12.9%). Free cash flow equals 10.9% of the market value, in line with its five-year average of 12.9%. Above 5% is generally attractive.
- **Earnings yield: 6.7%**. The inverse of the P/E: 6.7% of the price is earned each year.

## Profitability
- **Return on equity: 9.0%**. 9.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -13.4%** (3-yr 2.8%/yr, 5-yr 12.0%/yr). Earnings per share fell 13.4%.
- **Free-cash-flow growth (3 yr): 8.2%/yr**. Free cash flow has compounded at 8.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Cash and short-term investments: $124 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.09%** ($0.27 per share, trailing). Old Second Bancorp Inc. yields 1.09%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 15%** (10% of free cash flow). 15% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 44.3%/yr** (1-yr 19.0%). The dividend has compounded at 44.3% a year over five years, doubling roughly every 2 years at that pace.

## Price and momentum
- **Total return (1 yr): 38.6%** (YTD 32.8%, 3-mo 19.3%). The shares are up 38.6% over twelve months including dividends.
- **From 52-week high: -1.3%** (54.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.58** (volatility 25%). Beta of 0.58 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OSBC · Page: https://foliofundamentals.com/stocks/osbc

Not investment advice.