Old Second Bancorp Inc
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products,… Read more
Old Second Bancorp Inc (OSBC) - Net Assets
Latest net assets as of December 2025: $896.77 Million USD
Based on the latest financial reports, Old Second Bancorp Inc (OSBC) has net assets worth $896.77 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.90 Billion) and total liabilities ($6.01 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $896.77 Million |
| % of Total Assets | 12.99% |
| Annual Growth Rate | 8.91% |
| 5-Year Change | -85.21% |
| 10-Year Change | 411.82% |
| Growth Volatility | 168.83 |
Old Second Bancorp Inc - Net Assets Trend (1993–2025)
This chart illustrates how Old Second Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Old Second Bancorp Inc (1993–2025)
The table below shows the annual net assets of Old Second Bancorp Inc from 1993 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $896.77 Million | +33.64% |
| 2024-12-31 | $671.03 Million | +16.24% |
| 2023-12-31 | $577.28 Million | +25.19% |
| 2022-12-31 | $461.14 Million | -92.39% |
| 2021-12-31 | $6.06 Billion | +105.74% |
| 2020-12-31 | $2.95 Billion | +960.70% |
| 2019-12-31 | $277.86 Million | +21.30% |
| 2018-12-31 | $229.08 Million | +14.34% |
| 2017-12-31 | $200.35 Million | +14.35% |
| 2016-12-31 | $175.21 Million | +12.37% |
| 2015-12-31 | $155.93 Million | -19.69% |
| 2014-12-31 | $194.16 Million | +31.46% |
| 2013-12-31 | $147.69 Million | +103.57% |
| 2012-12-31 | $72.55 Million | -1.96% |
| 2011-12-31 | $74.00 Million | -11.86% |
| 2010-12-31 | $83.96 Million | -57.43% |
| 2009-12-31 | $197.21 Million | +2.13% |
| 2008-12-31 | $193.10 Million | +28.83% |
| 2007-12-31 | $149.89 Million | -5.47% |
| 2006-12-31 | $158.56 Million | +4.13% |
| 2005-12-31 | $152.26 Million | +12.80% |
| 2004-12-31 | $134.99 Million | +15.38% |
| 2003-12-31 | $116.99 Million | -12.08% |
| 2002-12-31 | $133.08 Million | +6.51% |
| 2001-12-31 | $124.95 Million | +10.61% |
| 2000-12-31 | $112.96 Million | +8.87% |
| 1999-12-31 | $103.76 Million | +1.83% |
| 1998-12-31 | $101.90 Million | +10.64% |
| 1997-12-31 | $92.10 Million | +13.14% |
| 1996-12-31 | $81.40 Million | +7.96% |
| 1995-12-31 | $75.40 Million | +29.55% |
| 1994-12-31 | $58.20 Million | -0.34% |
| 1993-12-31 | $58.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Old Second Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1080.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $537.23 Million | 59.91% |
| Common Stock | $53.02 Million | 5.91% |
| Other Comprehensive Income | $-28.74 Million | -3.20% |
| Other Components | $335.26 Million | 37.39% |
| Total Equity | $896.77 Million | 100.00% |
Old Second Bancorp Inc Competitors by Market Cap
The table below lists competitors of Old Second Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
The First Bancshares, Inc.
NASDAQ:FBMS
|
$990.47 Million |
|
Khang Dien House Trading and Investment JSC
VN:KDH
|
$991.00 Million |
|
Trupanion Inc
NASDAQ:TRUP
|
$991.05 Million |
|
Corvus Pharmaceuticals Inc
NASDAQ:CRVS
|
$991.72 Million |
|
Clarkson PLC
PINK:CKNHF
|
$990.23 Million |
|
Starlake Bioscience Co Inc Zhaoqing Guangdong
SHG:600866
|
$990.13 Million |
|
Schaeffler AG
PINK:SFFLY
|
$989.80 Million |
|
Digi Communications NV
RO:DIGI
|
$989.72 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Old Second Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 671,034,000 to 896,768,000, a change of 225,734,000 (33.6%).
- Net income of 80,310,000 contributed positively to equity growth.
- Dividend payments of 12,240,000 reduced retained earnings.
- Share repurchases of 7,412,000 reduced equity.
- Other comprehensive income increased equity by 19,010,000.
- Other factors increased equity by 146,066,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $80.31 Million | +8.96% |
| Dividends Paid | $12.24 Million | -1.36% |
| Share Repurchases | $7.41 Million | -0.83% |
| Other Comprehensive Income | $19.01 Million | +2.12% |
| Other Changes | $146.07 Million | +16.29% |
| Total Change | $- | 33.64% |
Book Value vs Market Value Analysis
This analysis compares Old Second Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.17x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.78x to 1.17x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1993-12-31 | $4.09 | $19.55 | x |
| 1994-12-31 | $4.07 | $19.55 | x |
| 1995-12-31 | $4.81 | $19.55 | x |
| 1996-12-31 | $5.20 | $19.55 | x |
| 1997-12-31 | $5.66 | $19.55 | x |
| 1998-12-31 | $6.26 | $19.55 | x |
| 1999-12-31 | $6.40 | $19.55 | x |
| 2000-12-31 | $7.20 | $19.55 | x |
| 2001-12-31 | $8.08 | $19.55 | x |
| 2002-12-31 | $8.88 | $19.55 | x |
| 2003-12-31 | $8.23 | $19.55 | x |
| 2004-12-31 | $9.96 | $19.55 | x |
| 2005-12-31 | $11.17 | $19.55 | x |
| 2006-12-31 | $11.73 | $19.55 | x |
| 2007-12-31 | $11.82 | $19.55 | x |
| 2008-12-31 | $14.11 | $19.55 | x |
| 2009-12-31 | $14.17 | $19.55 | x |
| 2010-12-31 | $5.96 | $19.55 | x |
| 2011-12-31 | $5.20 | $19.55 | x |
| 2012-12-31 | $5.11 | $19.55 | x |
| 2013-12-31 | $10.47 | $19.55 | x |
| 2014-12-31 | $7.53 | $19.55 | x |
| 2015-12-31 | $5.24 | $19.55 | x |
| 2016-12-31 | $5.87 | $19.55 | x |
| 2017-12-31 | $6.67 | $19.55 | x |
| 2018-12-31 | $7.56 | $19.55 | x |
| 2019-12-31 | $9.14 | $19.55 | x |
| 2020-12-31 | $10.18 | $19.55 | x |
| 2021-12-31 | $16.33 | $19.55 | x |
| 2022-12-31 | $10.20 | $19.55 | x |
| 2023-12-31 | $12.72 | $19.55 | x |
| 2024-12-31 | $14.70 | $19.55 | x |
| 2025-12-31 | $16.77 | $19.55 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Old Second Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.96%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.23%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.70x
- Recent ROE (8.96%) is above the historical average (6.76%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1993 | 11.30% | 14.10% | 0.07x | 10.69x | $760.00K |
| 1994 | 12.54% | 14.93% | 0.07x | 11.47x | $1.48 Million |
| 1995 | 11.67% | 14.81% | 0.08x | 10.09x | $1.26 Million |
| 1996 | 10.20% | 11.26% | 0.09x | 10.17x | $160.00K |
| 1997 | 10.42% | 12.12% | 0.08x | 10.30x | $390.00K |
| 1998 | 10.79% | 12.43% | 0.09x | 9.95x | $810.00K |
| 1999 | 11.96% | 14.50% | 0.09x | 9.62x | $2.03 Million |
| 2000 | 11.93% | 14.38% | 0.08x | 10.18x | $2.17 Million |
| 2001 | 13.78% | 16.08% | 0.08x | 10.67x | $4.73 Million |
| 2002 | 15.14% | 18.19% | 0.07x | 12.08x | $6.84 Million |
| 2003 | 18.90% | 18.88% | 0.06x | 15.72x | $10.41 Million |
| 2004 | 19.47% | 21.32% | 0.06x | 15.57x | $12.79 Million |
| 2005 | 18.18% | 18.66% | 0.06x | 15.55x | $12.46 Million |
| 2006 | 14.92% | 13.86% | 0.07x | 15.51x | $7.80 Million |
| 2007 | 15.99% | 12.78% | 0.07x | 17.74x | $8.98 Million |
| 2008 | 6.12% | 6.12% | 0.06x | 15.46x | $-7.49 Million |
| 2009 | -33.26% | -37.33% | 0.07x | 13.17x | $-85.31 Million |
| 2010 | -129.41% | -71.67% | 0.07x | 25.30x | $-117.04 Million |
| 2011 | -8.78% | -5.41% | 0.06x | 26.23x | $-13.90 Million |
| 2012 | -0.10% | -0.07% | 0.05x | 28.20x | $-7.33 Million |
| 2013 | 55.58% | 83.10% | 0.05x | 13.57x | $67.32 Million |
| 2014 | 5.22% | 10.59% | 0.05x | 10.62x | $-9.28 Million |
| 2015 | 9.87% | 15.85% | 0.05x | 13.33x | $-207.90K |
| 2016 | 8.95% | 15.61% | 0.04x | 12.85x | $-1.84 Million |
| 2017 | 7.56% | 12.99% | 0.05x | 11.90x | $-4.90 Million |
| 2018 | 14.85% | 24.83% | 0.05x | 11.68x | $11.10 Million |
| 2019 | 14.20% | 26.40% | 0.06x | 9.49x | $11.67 Million |
| 2020 | 9.06% | 19.95% | 0.05x | 9.90x | $-2.88 Million |
| 2021 | 3.99% | 14.13% | 0.02x | 12.37x | $-30.16 Million |
| 2022 | 14.62% | 26.41% | 0.04x | 12.77x | $21.29 Million |
| 2023 | 15.89% | 28.57% | 0.06x | 9.91x | $34.00 Million |
| 2024 | 12.71% | 25.36% | 0.06x | 8.42x | $18.16 Million |
| 2025 | 8.96% | 20.23% | 0.06x | 7.70x | $-9.37 Million |
Industry Comparison
This section compares Old Second Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Old Second Bancorp Inc (OSBC) | $896.77 Million | 11.30% | 6.70x | $990.37 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |