Old Debt Ratio from 2010 to 2024

OSBC Stock  USD 18.69  0.21  1.11%   
Old Second's Debt Ratio is increasing over the years with stable fluctuation. Overall, Debt Ratio is expected to go to 0.09 this year. During the period from 2010 to 2024 Old Second Debt Ratio annual values regression line had geometric mean of  0.06 and mean square error of  0.0008. View All Fundamentals
 
Debt Ratio  
First Reported
2010-12-31
Previous Quarter
0.08564952
Current Value
0.0899
Quarterly Volatility
0.02730115
 
Credit Downgrade
 
Yuan Drop
 
Covid
Check Old Second financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Old Second's main balance sheet or income statement drivers, such as Depreciation And Amortization of 7.3 M, Interest Expense of 22.6 M or Selling General Administrative of 97.1 M, as well as many indicators such as Price To Sales Ratio of 2.89, Dividend Yield of 0.0123 or PTB Ratio of 1.63. Old financial statements analysis is a perfect complement when working with Old Second Valuation or Volatility modules.
  
Check out the analysis of Old Second Correlation against competitors.

Latest Old Second's Debt Ratio Growth Pattern

Below is the plot of the Debt Ratio of Old Second Bancorp over the last few years. It is Old Second's Debt Ratio historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Old Second's overall financial position and show how it may be relating to other accounts over time.
Debt Ratio10 Years Trend
Pretty Stable
   Debt Ratio   
       Timeline  

Old Debt Ratio Regression Statistics

Arithmetic Mean0.06
Geometric Mean0.06
Coefficient Of Variation43.11
Mean Deviation0.02
Median0.06
Standard Deviation0.03
Sample Variance0.0007
Range0.0833
R-Value0.11
Mean Square Error0.0008
R-Squared0.01
Significance0.69
Slope0.0007
Total Sum of Squares0.01

Old Debt Ratio History

2024 0.0899
2023 0.0856
2022 0.0404
2021 0.0239
2020 0.0308
2019 0.0596

Other Fundumenentals of Old Second Bancorp

Old Second Debt Ratio component correlations

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0.960.10.970.59-0.150.710.690.970.360.960.87-0.250.620.230.940.860.80.870.410.36-0.840.810.89
0.00.10.230.77-0.480.66-0.040.08-0.190.01-0.12-0.080.38-0.060.33-0.110.02-0.02-0.190.74-0.080.270.12
0.880.970.230.64-0.260.740.690.90.260.890.77-0.220.610.080.950.850.710.830.460.38-0.890.780.82
0.580.590.770.64-0.290.780.340.620.180.570.5-0.210.820.20.740.360.530.49-0.030.68-0.450.660.63
0.05-0.15-0.48-0.26-0.29-0.480.22-0.10.73-0.090.23-0.51-0.080.24-0.380.110.030.080.16-0.630.08-0.25-0.17
0.610.710.660.740.78-0.480.330.7-0.030.660.48-0.090.540.190.830.410.550.50.120.83-0.590.740.69
0.670.69-0.040.690.340.220.330.610.50.620.67-0.390.540.120.540.930.680.930.36-0.08-0.710.650.65
0.980.970.080.90.62-0.10.70.610.360.990.93-0.210.690.330.920.770.860.840.270.41-0.750.850.94
0.510.36-0.190.260.180.73-0.030.50.360.330.6-0.880.240.480.150.490.320.430.31-0.31-0.320.140.22
0.970.960.010.890.57-0.090.660.620.990.330.93-0.120.670.280.910.790.880.850.320.35-0.770.840.94
0.970.87-0.120.770.50.230.480.670.930.60.93-0.340.660.450.760.790.840.850.30.14-0.690.730.85
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0.680.620.380.610.82-0.080.540.540.690.240.670.66-0.120.320.710.540.750.7-0.020.4-0.460.810.8
0.370.23-0.060.080.20.240.190.120.330.480.280.45-0.430.320.160.140.390.22-0.150.140.00.340.37
0.880.940.330.950.74-0.380.830.540.920.150.910.76-0.110.710.160.720.740.760.330.54-0.80.840.87
0.830.86-0.110.850.360.110.410.930.770.490.790.79-0.350.540.140.720.740.950.53-0.04-0.860.70.74
0.850.80.020.710.530.030.550.680.860.320.880.84-0.070.750.390.740.740.870.110.34-0.580.930.94
0.870.87-0.020.830.490.080.50.930.840.430.850.85-0.250.70.220.760.950.870.30.13-0.770.840.87
0.340.41-0.190.46-0.030.160.120.360.270.310.320.3-0.24-0.02-0.150.330.530.110.3-0.37-0.740.040.08
0.270.360.740.380.68-0.630.83-0.080.41-0.310.350.140.140.40.140.54-0.040.340.13-0.37-0.070.560.47
-0.77-0.84-0.08-0.89-0.450.08-0.59-0.71-0.75-0.32-0.77-0.690.27-0.460.0-0.8-0.86-0.58-0.77-0.74-0.07-0.61-0.65
0.80.810.270.780.66-0.250.740.650.850.140.840.73-0.050.810.340.840.70.930.840.040.56-0.610.96
0.90.890.120.820.63-0.170.690.650.940.220.940.85-0.070.80.370.870.740.940.870.080.47-0.650.96
Click cells to compare fundamentals

About Old Second Financial Statements

Old Second stakeholders use historical fundamental indicators, such as Old Second's Debt Ratio, to determine how well the company is positioned to perform in the future. Although Old Second investors may analyze each financial statement separately, they are all interrelated. For example, changes in Old Second's assets and liabilities are reflected in the revenues and expenses on Old Second's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Old Second Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Debt Ratio 0.09  0.09 
Cash Flow To Debt Ratio 0.24  0.23 

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When determining whether Old Second Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Old Second's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Old Second Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Old Second Bancorp Stock:
Check out the analysis of Old Second Correlation against competitors.
You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Old Second. If investors know Old will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Old Second listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.07)
Dividend Share
0.2
Earnings Share
1.85
Revenue Per Share
5.896
Quarterly Revenue Growth
(0.01)
The market value of Old Second Bancorp is measured differently than its book value, which is the value of Old that is recorded on the company's balance sheet. Investors also form their own opinion of Old Second's value that differs from its market value or its book value, called intrinsic value, which is Old Second's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Old Second's market value can be influenced by many factors that don't directly affect Old Second's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Old Second's value and its price as these two are different measures arrived at by different means. Investors typically determine if Old Second is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Old Second's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.