Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Old Second Bancorp, Inc.'s quarterly P/E stands at 9.0x, down 14.7% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.01 | 9.03 | 24.01 | 9.24 | 9.67 | 10.58 | 7.79 | 7.71 | 7.36 | 9.65 | 6.30 | 5.83 | 6.76 |
| — | -14.7% | +208.1% | +19.8% | +31.4% | +9.7% | +23.7% | +32.3% | +8.9% | +25.1% | -17.0% | -52.9% | -49.7% | |
| P/S Ratio | 2.80 | 2.28 | 2.00 | 2.40 | 2.31 | 2.38 | 2.09 | 2.04 | 1.91 | 2.16 | 1.84 | 1.83 | 2.09 |
| — | -4.2% | -4.2% | +17.6% | +21.0% | +10.0% | +13.8% | +11.1% | -8.6% | -10.1% | -15.3% | -32.7% | -28.3% | |
| P/B Ratio | 1.26 | 1.16 | 1.07 | 1.13 | 1.10 | 1.21 | 1.08 | 1.09 | 1.06 | 1.21 | 1.14 | 1.15 | 1.28 |
| — | -3.9% | -0.9% | +3.3% | +3.7% | -0.4% | -5.7% | -5.4% | -17.6% | -22.8% | -16.1% | -14.4% | -8.7% | |
| P/FCF | 9.43 | 6.12 | 6.66 | 7.84 | 11.72 | 9.29 | 3.86 | 19.47 | 3.58 | 7.03 | 1.98 | — | 4.76 |
| — | -34.2% | +72.7% | -59.7% | +227.8% | +32.1% | +94.4% | — | -24.9% | +38.1% | -57.2% | — | -100.0% | |
| EV / EBITDA | 10.97 | 7.23 | 16.65 | 6.28 | 5.44 | 7.46 | 8.58 | 8.09 | 7.05 | 10.43 | 7.64 | 7.38 | 7.47 |
| — | -3.1% | +94.1% | -22.4% | -22.9% | -28.5% | +12.3% | +9.7% | -5.6% | +60.5% | +27.8% | +7.8% | +169.7% | |
| EV / EBIT | 11.97 | 7.44 | 21.01 | 6.86 | 6.00 | 8.42 | 8.96 | 8.71 | 7.63 | 11.20 | 8.04 | 7.74 | 7.86 |
| — | -11.7% | +134.3% | -21.2% | -21.3% | -24.8% | +11.5% | +12.6% | -3.0% | +63.9% | +26.8% | +2.8% | +156.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Old Second Bancorp, Inc.'s operating margin was 36.9% in Q4 2025, up 25.6 pp QoQ and up 7.2 pp YoY. The trailing four-quarter average of 28.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 78.1% | 83.2% | 64.5% | 84.0% | 84.1% | 79.9% | 79.5% | 79.2% | 79.4% | 74.8% | 82.8% | 84.8% | 87.5% |
| — | +4.2% | -18.8% | +6.1% | +6.0% | +6.8% | -4.1% | -6.6% | -9.3% | -19.7% | -7.8% | -10.9% | -9.2% | |
| Operating Margin | 27.9% | 36.9% | 11.3% | 34.5% | 31.8% | 29.7% | 35.0% | 35.2% | 34.6% | 30.8% | 39.3% | 43.2% | 42.0% |
| — | +24.3% | -67.7% | -1.8% | -8.0% | -3.4% | -10.7% | -18.7% | -17.6% | -27.2% | +0.5% | +44.0% | +43.6% | |
| Net Margin | 20.2% | 25.2% | 8.5% | 25.8% | 24.1% | 22.4% | 26.9% | 26.4% | 25.8% | 22.5% | 29.4% | 31.6% | 30.9% |
| — | +12.4% | -68.3% | -2.2% | -6.8% | -0.4% | -8.4% | -16.6% | -16.6% | -28.2% | +2.5% | +43.3% | +44.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.2% | 3.3% | 1.2% | 3.1% | 2.9% | 2.9% | 3.6% | 3.6% | 3.6% | 3.3% | 4.7% | 5.1% | 4.9% |
| — | +13.8% | -65.3% | -14.3% | -20.0% | -12.7% | -22.9% | -28.8% | -26.3% | -37.8% | +5.1% | +89.0% | +98.5% | |
| ROA | 1.3% | 0.4% | 0.2% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% |
| — | +22.7% | -61.6% | -1.6% | -7.3% | +6.3% | -3.1% | -10.4% | -6.0% | -20.3% | +28.2% | +116.2% | +106.8% | |
| ROIC | 8.1% | 2.7% | 1.0% | 2.6% | 2.4% | 2.0% | 2.0% | 2.2% | 2.1% | 1.7% | 2.2% | 2.5% | 2.8% |
| — | +35.7% | -51.7% | +20.8% | +14.2% | +13.4% | -9.0% | -13.7% | -25.7% | -51.1% | -29.8% | +28.2% | +55.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Old Second Bancorp, Inc.'s Debt/EBITDA ratio is 7.8x, down from 17.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 72.6% YoY to 0.10x, tightening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.38 | 0.38 | 0.33 | 0.18 | 0.18 | 0.21 | 0.72 | 0.75 | 0.57 | 0.89 | 1.03 | 1.17 | 0.95 |
| — | +78.7% | -53.4% | -75.3% | -68.6% | -76.4% | -30.1% | -36.3% | -40.3% | +58.2% | +122.2% | +195.0% | +145.0% | |
| Debt / EBITDA | 2.80 | 7.79 | 17.55 | 4.15 | 4.29 | 4.95 | 15.20 | 14.69 | 10.98 | 19.29 | 15.96 | 16.40 | 14.03 |
| — | +57.2% | +15.5% | -71.8% | -60.9% | -74.3% | -4.8% | -10.4% | -21.8% | +147.8% | +125.0% | +68.9% | +41.0% | |
| Current Ratio | 0.10 | 0.10 | 0.25 | 0.38 | 0.32 | 0.36 | 0.36 | 0.36 | 0.35 | 0.34 | 0.33 | 0.34 | 0.35 |
| — | -72.6% | -31.2% | +6.7% | -8.2% | +7.5% | +9.0% | +5.8% | -1.2% | -8.4% | -10.0% | -19.3% | -26.3% | |
| Quick Ratio | 0.10 | 0.10 | 0.25 | 0.38 | 0.32 | 0.36 | 0.36 | 0.36 | 0.35 | 0.34 | 0.33 | 0.34 | 0.35 |
| — | -72.6% | -31.2% | +6.7% | -8.2% | +7.5% | +9.0% | +5.8% | -1.2% | -8.4% | -10.0% | -19.3% | -26.3% | |
| Interest Coverage | 1.78 | 2.20 | 0.61 | 2.65 | 2.46 | 1.85 | 1.93 | 2.16 | 2.11 | 2.00 | 2.90 | 3.39 | 5.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Old Second Bancorp, Inc.'s current P/E is 13.0x. The average P/E over the last 4 quarters is 13.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Old Second Bancorp, Inc.'s current operating margin is 27.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Old Second Bancorp, Inc.'s business trajectory between earnings reports.