OakChart

Old Second Bancorporation Inc

OSBCFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 10:44 AM ET

25.01-0.07 (-0.28%)
2026-11-11 16:45 CET
Market cap
1,239.97 USD m
Revenue, TTM
- USD m
Net income, TTM
111.49 USD m
Free cash flow, TTM
171.66 USD m
EPS diluted, TTM
2.12
P/E
11.77
Compare

Price

OSBC against its 20, 50 and 200-day averages
2050200miss
20.0022.0024.0026.00740K1.5MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26OSBCclose 25.0120-day 24.7850-day 24.92200-day 22.6725.0152w high

4.0% under the 52-week high of 26.06 on 17 Aug 2026. 52-week low 17.61 on 18 Nov 2025. Last 15 sessions, 9.5% high to low

Profile

OSBC
52-week range, 88% of the way up
17.6126.06

Old Second Bancorp, Inc. is a bank holding company. It engages in the provision of traditional retail and commercial banking services through its wholly owned subsidiaries. Its services includes personal banking, loans, business banking, and wealth management. The firm operates through the community banking segment. The company was founded in 1981 and is headquartered in Aurora, IL.

IndexRUT
Employees1062
IPONov 16, 1993
Beta0.76
ATR, 14d0.63
Rel volume0.81
Short float6.85%
Insider own5.76%
Inst own75.60%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.24B
Enterprise Value-
Income111.49M
Sales455.53M
Book/sh17.78
Cash/sh-
Dividend Est.0.29 (1.17%)
Dividend TTM0.29 (1.16%)
Dividend Ex-DateOct 30, 2026
Dividend Gr. 3/5Y7.72% 44.27%
Payout15.46%
Employees1062
IPONov 16, 1993

Ratios

P/E11.77
Forward P/E10.58
PEG0.65
P/S2.71
P/B1.41
P/C-
P/FCF7.20
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.04
Debt/Eq0.56
LT Debt/Eq0.07
Option/ShortYes / Yes

Earnings

EPS (ttm)2.12
EPS next Y2.37
EPS next Q0.57
EPS this Y33.23%
EPS next Y9.58%
EPS next 5Y16.25%
EPS past 3/5Y2.74% 11.88%
Sales past 3/5Y15.65% 23.14%
EPS Y/Y TTM40.35%
Sales Y/Y TTM22.41%
EPS Q/Q206.67%
Sales Q/Q-1.55%
EarningsOct 21 BMO
EPS/Sales Surpr.-3.45% -1.12%

Ownership

Insider Own5.76%
Insider Trans-7.32%
Inst Own75.60%
Inst Trans2.21%
ROA1.62%
ROE12.78%
ROIC11.81%
Gross Margin-
Oper. Margin32.90%
Profit Margin24.48%
SMA200.93%
SMA500.36%
SMA20010.30%
Trades-

Technical

Shs Outstand49.42M
Shs Float46.59M
Short Float6.85%
Short Ratio6.11
Short Interest3.19M
52W High26.06 -4.01%
52W Low17.61 42.02%
Volatility3.49% 2.61%
ATR (14)0.63
RSI (14)52.94
Beta0.76
Rel Volume0.81
Avg Volume522.47K
Volume98,440

Performance

Perf Week-0.71%
Perf Month0.85%
Perf Quarter-3.10%
Perf Half Y21.11%
Perf YTD28.26%
Perf Year35.70%
Perf 3Y82.42%
Perf 5Y80.32%
Perf 10Y185.83%
Recom1.33
Target Price28.33
Prev Close25.08
Price25.01
Change %-0.28%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 06, 2026UpgradeRRaymond JamesOutperform → Strong Buy$30+20.0%
Jul 08, 2026ResumedRRaymond JamesOutperform$26+4.0%
Mar 27, 2026ResumedSStephensOverweight$23-8.0%
Sep 25, 2024DowngradeDDA DavidsonBuy → Neutral$19 → $17-32.0%
Sep 17, 2024DowngradeRRaymond JamesStrong Buy → Outperform$19 → $18-28.0%
Apr 04, 2024UpgradeRRaymond JamesOutperform → Strong Buy$17-32.0%
Apr 05, 2023InitiatedSStephensOverweight$18-28.0%
Mar 21, 2022UpgradeDDA DavidsonNeutral → Buy$22-12.0%
Sep 23, 2020UpgradeRRaymond JamesOutperform → Strong Buy$10-60.0%
Dec 19, 2019InitiatedPPiper JaffrayOverweight$15-40.0%

Peers

Mkt cap
TickerCompanyMkt cap
BYByline Bancorp Inc1.73B
HBTHBT Financial Inc1.36B
WTFCWintrust Financial Corp10.36B
BUSEFirst Busey Corp2.32B
FMBHFirst Mid Bancshares Inc1.36B
MSBIMidland States Bancorp Inc670.70M
QCRHQCR Holding Inc1.67B
FRMEFirst Merchants Corp2.57B
ONBOld National Bancorp9.45B
LKFNLakeland Financial Corp1.52B

Insider trading

latest 14 of 25
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Lyons Billy J Jr.DirectorNov 09 '26Buy24.882357220,140Nov 10 01:12 PM
COLLINS GARY SVICE CHAIRMANSep 23 '26Sale24.6916,000395,08014,136Sep 23 06:34 PM
COLLINS GARY SOfficerSep 23 '26Proposed Sale24.6520,000493,000Sep 23 12:23 PM
COLLINS GARY SVICE CHAIRMANSep 04 '26Sale25.705,000128,52553,136Sep 11 11:50 AM
MCLEAN HUGH HDirectorSep 08 '26Sale25.6325,000640,768135,351Sep 08 05:17 PM
HUGH H. MCLEANDirectorSep 08 '26Proposed Sale25.6825,000641,912Sep 08 03:21 PM
MCLEAN HUGH HDirectorSep 03 '26Sale25.7325,000643,175135,351Sep 03 05:40 PM
Campbell Darin PatrickPresident, Powersports LendingSep 02 '26Sale25.5324,000612,792250,589Sep 03 05:33 PM
Campbell Darin PatrickDirectorSep 02 '26Proposed Sale25.6424,000615,360Sep 02 04:00 PM
Eccher JamesCHAIRMAN AND CEOAug 12 '26Sale25.6119,313494,701303,399Aug 13 10:47 AM
Eccher JamesCHAIRMAN AND CEOAug 11 '26Sale25.4655,6871,417,763322,712Aug 12 04:52 PM
Eccher JamesOfficerAug 11 '26Proposed Sale25.3275,0001,899,000Aug 11 10:51 AM
COLLINS GARY SVICE CHAIRMANMay 22 '26Sale21.125,120108,13458,136May 26 04:53 PM
COLLINS GARY SVICE CHAIRMANMay 21 '26Sale21.1210,000211,20063,256May 21 05:35 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 204
  • O2 Sponsor Finance Hires James Benbrook as Vice President (ACCESSWIRE)
  • Old Second Misses On EPS As A Final Charge-Off Clouds A Record Margin And A Clear Credit Turn (Earnings Whispers)
  • Old Second Bancorp, Inc. Reports Third Quarter 2026 Net Income of $28.9 Million, or $0.56 per Diluted Share (ACCESSWIRE)
  • Old Second Bancorp: Q3 Earnings Snapshot (Associated Press)
  • O2 Sponsor Finance Hires Kyle Bucsa as Assistant Vice President (ACCESSWIRE)
  • Loading…
  • O2 Sponsor Finance Hires Aaron Markos as Senior Vice President (ACCESSWIRE)
  • Old Second Bancorp Inc (OSBC) Q2 2026 Earnings Call Highlights: Strong Net Interest Margin and ... (GuruFocus.com)
  • Old Second Bancorp, Inc. Reports Second Quarter 2026 Net Income of $28.2 Million, or $0.54 per Diluted Share (ACCESSWIRE)
  • Old Second Bancorp: Q2 Earnings Snapshot (Associated Press)
  • O2 Sponsor Finance Promotes Chris Gallun to First Vice President (ACCESSWIRE)
  • Graf Joins Old Second National Bank (ACCESSWIRE)
  • O2 Sponsor Finance Provides Senior Secured Credit Facilities to Support Fort Point Capital in its Recapitalization of Boston Green (ACCESSWIRE)
  • Old Second Bancorp Inc (OSBC) Q1 2026 Earnings Call Highlights: Strong Profitability Amidst ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-210.5600.5800.56097.1298.226
2026Q22026-07-220.5400.5450.54196.5994.886
2026Q12026-04-220.4800.5140.48093.7793.185
2025Q42026-01-210.5400.5220.53895.2194.886
2025Q32025-10-220.1800.2580.18595.8892.746
2025Q22025-07-160.4800.4720.47675.4474.766
2025Q12025-04-240.4300.4280.43473.1171.446
2024Q42025-01-220.4200.4770.41873.1970.566
2024Q32024-10-160.5000.4730.50271.1670.706
2024Q22024-07-170.4800.4720.47970.8270.046
2024Q12024-04-170.4700.4620.46870.2869.806
2023Q42024-01-250.4000.5100.40169.9672.986
2023Q32023-10-190.5400.5320.53672.9172.536
2023Q22023-07-190.5600.5500.56371.8073.086
2023Q12023-04-190.5200.5400.52171.4474.776
2022Q42023-01-250.5200.5100.52273.0070.435

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.8100.6700.504105.25107.88
2018FY1.1201.1481.122122.29123.69
2019FY1.3001.2901.297132.56133.48
2020FY0.9300.9280.922129.3131.88
2021FY0.6500.6600.652135.99138.59
2022FY1.4901.5081.491249.3246.13
2023FY2.0202.1552.021286.11291.49
2024FY1.8701.9251.868285.45283.18
2025FY1.6201.5821.620339.33339.92
2026FY-2.158--384.62
2027FY-2.365--390.78
2028FY-2.545--403.63

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2350496.7295.5097.30
2026Q4S2026-10-2251297.6295.50100
2026Q4S2026-10-2152098.7696.90100
2026Q4S2026-10-0752098.7696.90100
2026Q4S2026-10-0653098.7696.90100
2026Q4S2026-10-0255098.7696.90100
2026Q4S2026-09-3055098.3696.90100
2026Q4S2026-09-2155098.3696.90100
2026Q4S2026-07-2455098.1296.9098.80
2026Q4S2026-07-2352097.3496.9098.18
2026Q4S2026-07-0850096.5294.9097.70
2026Q4S2026-07-0750196.5294.9097.70
2026Q4S2026-07-0650296.5294.9097.70
2026Q4S2026-07-0240296.4094.9097.70

Estimate history

EPS, annual0.5041.1221.2970.9220.6521.4912.0211.8681.6172.1247
Period201720182019202020212022202320242025TTM
EPS, quarterly0.5020.4180.4340.4760.1850.5380.480.5410.566
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual118.341139.762151.626141.906144.466259.752326.405342.113401.744455.53
Period201720182019202020212022202320242025TTM
Sales, quarterly86.41184.8784.00286.212117.056114.818111.074114.398115.238
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual29.62729.76329.93229.32944.46144.58244.69844.87352.66949.418
Period201720182019202020212022202320242025MRQ
Shares, quarterly44.85144.87345.04745.05652.66552.66951.66650.93949.418
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income403.93355.18297.90291.97216.47105.17104.22115.59107.62
Total Interest Expense72.3662.2256.2740.0410.328.4512.4618.8416.68
Net Interest Income331.57292.96241.63251.93206.1696.7291.7596.7690.94
Loan Loss Provision26.7527.5512.7516.506.554.3310.411.601.23
Net Interest Income After Loan Loss Provision304.82265.41228.88235.43199.6192.3981.3495.1689.71
Non-Interest Income51.6046.5644.2134.4343.2839.3037.6936.0332.15
Non-Interest Expense206.56204.22160.14145.46151.34103.8281.6279.3777.92
Operating Income149.87107.75112.96124.4191.5527.8737.4151.8343.94
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes149.92107.75112.96124.4191.5527.8737.4151.8643.94
Income Taxes38.4327.4427.6932.6824.147.829.5812.409.92
Consolidated Net Income111.4980.3185.2691.7367.4120.0427.8239.4534.01
Net Income From Continuing Operations111.4980.3185.2691.7367.4120.0427.8239.4534.01
Net Income111.4980.3185.2691.7367.4120.0427.8239.4534.01
EPS (Recurring)2.181.621.872.021.490.650.921.301.12
EPS (Basic, Before Extraordinaries)2.161.641.902.051.510.660.941.321.14
EPS (Diluted)2.121.621.872.021.490.650.921.301.12
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.030.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense4.534.383.093.602.341.131.521.841.78
Price To Earnings Ratio11.8011.809.617.2122.8517.4810.9210.3911.58
Price To Sales Ratio2.752.412.372.152.792.682.152.702.82
Operating Margin32.9026.8233.0238.1135.2419.2926.3634.1831.44
Net Margin24.4819.9924.9228.1025.9513.8719.6126.0224.34
Shares Outstanding49.4252.6744.8744.7044.5844.4629.3329.9329.76
Market Capitalization1,239.971,239.97797.50690.14714.97567.57296.49402.79386.87

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income102.09101.1998.35102.30104.0875.2473.5675.28
Total Interest Expense18.0417.8617.2019.2521.3011.0010.6613.70
Net Interest Income84.0583.3381.1483.0582.7864.2362.9061.58
Loan Loss Provision6.757.509.503.0019.652.502.403.50
Net Interest Income After Loan Loss Provision77.3075.8371.6480.0563.1261.7360.5058.08
Non-Interest Income13.1513.2112.7312.5212.9810.9710.449.59
Non-Interest Expense51.7051.2550.3153.3063.1643.4943.3642.30
Operating Income38.7537.7934.0639.2712.9429.2127.5825.37
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes38.7537.8434.0639.2713.0729.2126.2025.37
Income Taxes9.819.668.4810.483.207.396.376.26
Consolidated Net Income28.9428.1825.5928.799.8721.8219.8319.11
Net Income From Continuing Operations28.9428.1825.5928.799.8721.8219.8319.11
Net Income28.9428.1825.5928.799.8721.8219.8319.11
EPS (Recurring)0.570.540.480.540.180.480.430.42
EPS (Basic, Before Extraordinaries)0.580.550.490.550.190.480.440.43
EPS (Diluted)0.570.540.480.540.180.480.430.42
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.121.111.141.161.230.911.090.65
Price To Earnings Ratio11.8013.8912.3512.899.449.678.919.61
Price To Sales Ratio2.752.662.502.592.492.382.242.39
Operating Margin33.6233.0330.6734.2011.0533.8932.8329.90
Net Margin25.1124.6323.0325.078.4325.3123.6122.52
Shares Outstanding49.4250.9451.6752.6752.6645.0645.0544.87
Market Capitalization1,239.971,199.401,062.251,027.05910.06799.30749.59797.50

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks51.6652.1755.5356.6338.5624.3134.1038.6037.44
Investments1,202.901,235.431,277.501,625.522,429.17834.53517.33575.13575.03
Net Loans5,179.833,937.723,998.693,820.133,376.522,001.001,911.021,878.021,600.16
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets1.4321.625.121.562.362.475.007.178.37
Net Property, Plant & Equipment86.6487.3179.3172.3688.0045.4847.6542.4437.63
Interest Receivables30.4024.6027.1022.7013.509.709.7010.948.60
Deferred Tax Assets50.5543.1048.4359.8118.2618.9718.4825.0531.47
Other Intangible Assets318.53263.90248.47244.67257.97115.2399.28102.4290.85
Total Assets6,921.945,665.865,740.155,903.386,224.353,051.692,642.572,679.772,389.54
Total Deposits5,596.074,768.734,570.755,110.725,466.232,537.072,126.752,116.671,922.92
Total Debt338.92141.90516.62260.81198.88160.52205.87313.36246.62
Long Term Debt100.1585.2485.16129.66140.5489.54108.68117.22101.70
Provision for Risks Charges2.101.902.705.106.203.000.000.000.00
Deferred Tax Liabilities19.2716.4817.3615.0612.1610.857.023.776.11
Other Liabilities68.8265.8155.4550.5438.8533.1625.0616.8913.54
Total Liabilities6,025.184,994.835,162.875,442.235,722.322,744.602,364.702,450.692,189.19
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity896.77671.03577.28461.14502.03307.09277.86229.08200.35
Total Shareholders Equity896.77671.03577.28461.14502.03307.09277.86229.08200.35
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity896.77671.03577.28461.14502.03307.09277.86229.08200.35
Total Liabilities & Stockholders Equity6,921.945,665.865,740.155,903.386,224.353,051.692,642.572,679.772,389.54
Book Value Per Share17.0314.9512.9210.3411.2910.479.287.706.76
Tangible Book Value Per Share14.1212.3810.738.108.989.768.576.966.46
Tier 1 Capital799.99632.29572.72482.21419.42302.20308.10263.12233.93
Tier 2 Capital122.27104.20104.36109.83103.5128.9819.7819.0017.46
Full-Time Employees1,062877834819891533535518450
Price to Book Ratio1.411.211.301.651.110.961.451.692.01
Return on Assets1.281.501.581.110.430.981.481.340.65
Return on Equity10.2413.6617.6714.004.959.5115.5715.848.06
Return on Invested Capital8.0611.2713.8511.413.127.0210.219.825.01
Current Ratio0.030.040.030.040.180.190.030.060.07

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations157.40119.08107.21121.0374.8429.3432.5946.7746.93
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital17.193.1923.52-4.7217.33-13.50-10.762.094.29
Cash from Operating Activities174.59122.26130.73116.3192.1715.8521.8348.8651.22
Capital Expenditures-3.98-5.55-11.84-12.97-4.92-2.62-4.51-4.38-1.90
Net Assets From Acquisitions0.000.000.000.00-0.15149.000.000.00-35.71
Sale of Fixed Assets and Businesses0.7312.78237.444.5413.350.000.000.030.00
Purchase or Sale of Investments167.21238.6347.24380.3810.12-135.564.1176.2864.98
Purchase of Investments-193.30-191.59-265.50-13.41-301.65-886.10-65.23-159.54-75.10
Sale Or Maturity of Investments360.51430.22312.73393.79311.77750.5569.33235.83140.09
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.431.240.000.000.000.481.201.20
Cash from Investing Activities143.02159.82323.51161.65-427.61148.12-99.6545.99-22.15
Cash Dividends Paid-14.56-12.24-9.41-8.95-8.88-4.61-1.19-1.20-1.19
Change in Capital Stock-79.70-7.41-1.05-0.60-0.46-10.42-5.92-0.63-0.47
Repurchase of Common Pref Stock-79.76-7.41-1.05-0.60-0.46-10.42-5.92-0.67-0.51
Sale of Common Pref Stock0.050.000.000.000.000.000.000.030.03
Proceedsfrom Stock Options0.050.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net200.62166.61-374.81255.3161.7638.19-46.12-107.7426.65
Change in Long Term Debt-35.000.000.00-54.00-10.0654.83-15.91-8.80-8.07
Issuance of Long Term Debt0.000.000.000.000.0059.1520.000.00-
Reduction of Long Term Debt-35.000.000.00-54.00-10.06-4.32-35.91-8.80-8.07
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.00--0.000.00
Cash from Financing Activities-326.03-257.39-455.05-292.99-301.50258.24357.09-99.45-29.66
Net Change in Cash-8.4224.70-0.82-15.03-636.93422.20279.27-4.60-0.60
Free Cash Flow171.66117.76119.94103.9387.8413.8117.9144.4849.32
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow7.979.187.347.389.1842.0518.239.468.19
Federal Home Loan Advances Increase (Decrease)--10.6313.91-12.82-7.270.000.003.52-1.72

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks42.1647.9648.1051.6653.1063.48
Investments1,093.751,182.461,222.881,202.901,255.001,282.75
Net Loans5,173.875,175.495,113.115,179.835,189.983,955.68
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment83.3684.5085.6386.6487.7185.70
Interest Receivables29.7029.7029.6030.4031.5025.00
Deferred Tax Assets33.2628.6931.3250.5533.3720.39
Other Intangible Assets321.21320.06317.08318.53334.67261.80
Total Assets6,778.596,870.316,849.226,921.946,991.755,701.29
Total Deposits5,327.565,444.695,565.005,596.075,760.254,798.44
Total Debt490.38468.66323.31338.92289.41132.54
Long Term Debt65.4770.42100.19100.15100.1285.28
Provision for Risks Charges2.202.002.002.102.302.30
Deferred Tax Liabilities---19.27--
Other Liabilities79.8952.1465.6168.8273.1149.37
Total Liabilities5,900.045,967.495,955.926,025.186,125.074,982.65
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity878.55902.81893.30896.77866.68718.65
Total Shareholders Equity878.55902.81893.30896.77866.68718.65
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity878.55902.81893.30896.77866.68718.65
Total Liabilities & Stockholders Equity6,778.596,870.316,849.226,921.946,991.755,701.29
Book Value Per Share17.7817.7217.2917.0316.4615.95
Tangible Book Value Per Share14.7514.7714.3514.1213.5113.44
Tier 1 Capital800.39811.82800.16799.99771.58670.49
Tier 2 Capital87.9392.20123.44122.27135.03105.28
Full-Time Employees---1,062--
Price to Book Ratio1.411.351.181.181.081.15
Return on Assets1.621.471.371.281.121.47
Return on Equity12.7811.4010.8410.249.2412.51
Return on Invested Capital3.072.902.582.891.022.71
Current Ratio0.040.050.040.030.040.05

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations37.7342.8038.0338.8520.7932.14
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital27.09-14.21-1.095.3915.15-7.90
Cash from Operating Activities64.8328.5936.9444.2435.9424.25
Capital Expenditures-0.62-1.13-0.77-1.47-1.23-1.25
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.080.6612.090.00
Purchase or Sale of Investments44.8573.02-27.1676.50145.74-25.11
Purchase of Investments-69.44-9.14-106.89-7.83-21.24-79.64
Sale Or Maturity of Investments114.2982.1679.7384.33166.9854.53
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.430.00
Cash from Investing Activities38.45-6.4829.5981.4691.79-90.16
Cash Dividends Paid-3.57-3.62-3.69-3.69-3.15-2.70
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-39.51-15.70-24.45-0.04-5.88-0.06
Repurchase of Common Pref Stock-39.52-15.75-24.45-0.04-5.88-0.06
Sale of Common Pref Stock0.000.050.000.000.000.00
Proceedsfrom Stock Options0.000.050.000.000.000.00
Issuance or Reduction of Debt, Net21.67145.11-15.6449.48126.548.59
Change in Long Term Debt-5.00-30.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-5.00-30.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-138.515.50-74.82-118.20-152.97-48.44
Net Change in Cash-35.2327.61-8.307.50-25.24-114.35
Free Cash Flow64.2127.9236.1743.3634.7223.46
Price to Free Cash Flow7.979.498.639.8811.038.46

Revenue breakdown

State Commercial Banks2024: 285.45M 2025: 339.33M
United States2024: 285.45M 2025: 339.33M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-306.85%3.2M46.6M502.96K
2026-10-156.34%3.0M48.0M485.94K
2026-09-305.73%2.7M48.0M437.59K
2026-09-155.15%2.5M47.9M432.54K
2026-08-314.18%2.0M47.9M408.84K
2026-08-143.82%1.8M47.9M406.72K
2026-07-313.57%1.7M47.9M398.52K
2026-07-153.57%1.7M48.4M394.43K
2026-06-304.07%2.0M48.4M401.46K
2026-06-153.60%1.7M48.2M389.00K
2026-05-293.54%1.7M48.4M407.48K
2026-05-153.51%1.7M48.4M405.07K
2026-04-303.65%1.8M48.5M398.17K
2026-04-152.86%1.4M49.7M385.58K
2026-03-313.51%1.7M49.8M374.29K
2026-03-133.16%1.6M49.8M343.63K
2026-02-272.26%1.1M49.8M322.85K
2026-02-132.93%1.5M49.8M315.10K
2026-01-302.29%1.1M49.6M317.15K
2026-01-152.25%1.1M49.6M331.05K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call15.009.4011.000.003.4840.000.000.951-0.0490.004
call17.506.908.500.002.6990.000.000.935-0.0460.005
call20.004.305.900.001.8870.000.000.826-0.1000.010
call22.501.853.502.421.32360.000.000.750-0.0810.013
call25.000.004.101.202.1971700.000.550-0.1160.016
call30.000.000.750.001.4210.000.000.249-0.0990.013
call35.000.000.250.001.5040.000.000.098-0.0570.007
put15.000.000.750.002.1880.000.00-0.049-0.0480.004
put17.500.000.200.001.5790.000.00-0.064-0.0410.005
put20.000.000.750.001.7940.000.00-0.172-0.0990.010
put22.500.000.750.201.1632.000.00-0.249-0.0800.013
put25.000.000.801.050.5122.000.00-0.456-0.1170.016
put30.004.005.800.001.4130.000.00-0.751-0.0960.013
put35.009.0012.100.003.1840.000.00-0.901-0.0530.007

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-104Statement of changes in beneficial ownership of securities2026-11-09SEC
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-30SCHEDULE 13GSEC
2026-10-214/A2026-02-21SEC
2026-10-214Statement of changes in beneficial ownership of securities2021-05-11SEC
2026-10-214/A2026-02-21SEC
2026-10-218-KCurrent report2026-10-21SEC
2026-10-204/A2026-02-21SEC
2026-10-204/A2026-02-21SEC
2026-10-204/A2026-02-21SEC
2026-10-204/A2026-02-21SEC
2026-10-204/A2026-02-21SEC
2026-10-204/A2026-02-21SEC
2026-10-204/A2026-02-21SEC
2026-10-208-KCurrent report2026-10-20SEC
2026-10-198-KCurrent report2026-10-14SEC
2026-10-08SCHEDULE 13GSEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-018-KCurrent report2026-10-01SEC
2026-09-23144Filing for proposed sale of securities under Rule 144.SEC
2026-09-234Statement of changes in beneficial ownership of securities2026-09-23SEC
2026-09-114Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-08144Filing for proposed sale of securities under Rule 144.SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-09-084/A2026-09-03SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-02SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-11572100
2026-100000
2026-09002.42M5
2026-08001.91M2
2026-070000
2026-060000
2026-0550211.16M5
2026-040000
2026-0300429.44K1
2026-0200776.73K3
2026-010099.76K1
2025-1200250.00K1
2025-1100249.99K1

Institutional holders

Manager% owned
BlackRock, Inc.8.36%
DIMENSIONAL FUND ADVISORS LP5.06%
VANGUARD CAPITAL MANAGEMENT LLC4.24%
STATE STREET CORP3.58%
Davis Asset Management, L.P.3.50%
AMERICAN CENTURY COMPANIES INC3.47%
GOLDMAN SACHS GROUP INC3.16%
Boston Partners2.89%
FJ Capital Management LLC2.84%
GEODE CAPITAL MANAGEMENT, LLC2.57%

Funds

Fund% owned
Avantis U.S. Small Cap Value ETF3.11%
Goldman Sachs Small Cap Value Fund0.83%
Boston Partners Small Cap Value Fund II (R6)0.61%
EA Bridgeway Omni Small-Cap Value ETF0.48%
JNL Multi-Manager Small Cap Value Fund0.41%
Omni Small-Cap Value Fund0.26%
AST Small-Cap Equity Portfolio0.25%
RMB Mendon Financial Services Fund0.19%
Avantis U.S. Small Cap Equity ETF0.18%
First Trust/Dow Jones Dividend & Income Allocation Portfolio0.15%

OakChart. OSBC. Cached 15 minutes.