Old Second Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Old Second Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
$15Sales grew 36% in 3 years; of every extra $100 of sales, $15 became extra profit.
Lower than 62% of Financial Services companies in United States.
Asset Productivity Ratio
+36% / +17%In 3 years sales changed by +36% while total assets changed by +17%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 53% of Financial Services companies in United States.
Tangible Net Worth Ratio
82%Of every $100 of net worth, $82 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 53% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Old Second Bancorp, Inc. owes $0.87 for every $1 it owns. Net profit fell 6% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.4Investors pay $11.4 for every $1 of Old Second Bancorp, Inc.'s yearly profit, lower than 66% of Financial Services companies in United States.
P/B ratio
1.38The share price is 1.38 times Old Second Bancorp, Inc.'s book value per share, higher than 59% of Financial Services companies in United States.
Market cap
$1.2 BThe total market value of all of Old Second Bancorp, Inc.'s shares at today's price (share price × number of shares), larger than 59% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$903 MWhat Old Second Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$17.75Net worth divided by the number of shares. The share price of $24.43 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
12.8%Old Second Bancorp, Inc. earned 12.8% on its shareholders' money over the last year, higher than 65% of Financial Services companies in United States.
Owes vs Owns
0.87×Old Second Bancorp, Inc. owes $0.87 for every $1 it owns (high), higher than 59% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.30%Old Second Bancorp, Inc. pays 1.30% of its share price as dividends a year, lower than 84% of dividend-paying Financial Services companies in United States.
Revenue growth
+19%Revenue rose 19% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
-6%Net profit fell 6% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit margin
24.1%Old Second Bancorp, Inc. keeps $24 of every $100 of revenue as net profit.
Questions
What is Old Second Bancorp, Inc.'s P/E ratio?
Investors pay $11.4 for every $1 of Old Second Bancorp, Inc.'s yearly profit, lower than 66% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Old Second Bancorp, Inc.: $1.2 B ÷ $903 M (30 Jun 2026) = 1.4.
What is Old Second Bancorp, Inc.'s return on equity?
Old Second Bancorp, Inc. earned 12.8% on its shareholders' money over the last year, higher than 65% of Financial Services companies in United States.
How much does Old Second Bancorp, Inc. owe compared with what it owns?
Old Second Bancorp, Inc. owes $0.87 for every $1 it owns (high), higher than 59% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Old Second Bancorp, Inc. pay a dividend?
Yes. Old Second Bancorp, Inc. pays 1.30% of its share price as dividends a year, lower than 84% of dividend-paying Financial Services companies in United States.
Is Old Second Bancorp, Inc.'s revenue growing?
Revenue rose 19% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.