Old Second Bancorp Financial Ratios
NASDAQ: OSBCFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Old Second Bancorp ratio analysis
Old Second Bancorp earned a net margin of 23.7% in FY 2025, down from 29.9% a year earlier. Return on equity reached 9.0%, meaning Old Second Bancorp generated 0.09 dollars of profit for every dollar of shareholders' equity. At the end of FY 2025, OSBC traded at 12.0 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 7.6 to 27.3, with a median of 11.5.
Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Old Second Bancorp financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 12.02 | 9.48 | 7.64 | 10.77 | 19.37 | 10.98 | 10.25 | 11.97 | 27.30 | 20.85 |
| Price / sales | 2.81 | 2.78 | 2.41 | 2.87 | 2.80 | 2.32 | 3.01 | 3.26 | 3.84 | 3.55 |
| Price / book | 1.06 | 1.18 | 1.19 | 1.55 | 0.76 | 0.97 | 1.43 | 1.74 | 2.02 | 1.86 |
| Net margin | 23.7% | 29.9% | 32.1% | 27.0% | 14.7% | 21.5% | 29.8% | 27.8% | 14.4% | 17.0% |
| Free cash flow margin | 34.7% | 42.3% | 36.4% | 37.3% | 21.3% | 17.1% | 36.4% | 43.3% | 34.3% | 27.5% |
| Return on equity (ROE) | 9.0% | 12.7% | 15.9% | 14.6% | 4.0% | 9.1% | 14.2% | 14.8% | 7.6% | 9.0% |
| Return on assets (ROA) | 1.2% | 1.5% | 1.6% | 1.1% | 0.3% | 0.9% | 1.5% | 1.3% | 0.6% | 0.7% |
| Revenue growth | 18.9% | -0.2% | 14.8% | 83.3% | 5.2% | -2.5% | 8.4% | 16.2% | 14.4% | 4.1% |
| EPS growth | -13.4% | -7.4% | 35.6% | 129.2% | -29.3% | -29.2% | 16.1% | 124.0% | -5.7% | 15.2% |