Old Net Income vs Interest Income Analysis

OSBC Stock

USD 18.60 0.13 0.69%

Old Second financial indicator trend analysis is much more than just breaking down Old Second Bancorp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Old Second Bancorp is a good investment. Please check the relationship between Old Second Net Income and its Interest Income accounts. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Old Second Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

Net Income vs Interest Income

Net Income vs Interest Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Old Second Bancorp Net Income account and Interest Income. At this time, the significance of the direction appears to have very strong relationship.

The correlation between Old Second's Net Income and Interest Income is 0.81. Overlapping area represents the amount of variation of Net Income that can explain the historical movement of Interest Income in the same time period over historical financial statements of Old Second Bancorp, assuming nothing else is changed. The correlation between historical values of Old Second's Net Income and Interest Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Income of Old Second Bancorp are associated (or correlated) with its Interest Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Interest Income has no effect on the direction of Net Income i.e., Old Second's Net Income and Interest Income go up and down completely randomly.

Correlation Coefficient

0.81

Relationship Direction	Positive
Relationship Strength	Strong

View All Relationships

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Old Second Bancorp financial statement analysis. It represents the amount of money remaining after all of Old Second Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Interest Income

Income earned from the investment of cash or from lending money to others, including interest from bank accounts, bonds, or other interest-bearing investments.

Most indicators from Old Second's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Old Second Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Old Second Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

At present, Old Second's Tax Provision is projected to increase significantly based on the last few years of reporting. The current year's Enterprise Value Over EBITDA is expected to grow to 9.10, whereas Sales General And Administrative To Revenue is forecasted to decline to 0.31.

	2021	2022	2023	2024 (projected)
Interest Expense	8.5M	10.3M	40.0M	22.6M
Depreciation And Amortization	3.8M	6.7M	6.9M	7.3M

Interest Expense Depreciation And Amortization

Old Second fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Short Term Debt	Common Stock Total Equity	Other Current Assets	Common Stock	Other Liab	Accounts Payable	Long Term Debt
Total Assets		0.71	-0.01	0.61	0.96	0.83	0.0	0.88	0.52	0.77	0.56	-0.43	0.91	0.81	0.61	0.95	0.58	0.98	0.05	0.61	0.86	-0.61	0.67	0.77	0.98	0.51
Short Long Term Debt Total	0.71		-0.37	0.91	0.77	0.42	0.6	0.78	-0.04	0.91	0.87	-0.43	0.45	0.77	0.9	0.69	0.8	0.71	-0.31	0.97	0.77	-0.48	0.43	0.57	0.77	0.2
Other Current Liab	-0.01	-0.37		-0.49	-0.13	0.25	-0.78	-0.27	0.72	-0.39	-0.46	0.48	0.31	-0.3	-0.48	-0.15	-0.69	-0.05	0.76	-0.49	-0.11	0.48	0.11	-0.06	-0.11	0.47
Total Current Liabilities	0.61	0.91	-0.49		0.72	0.27	0.57	0.74	-0.07	0.97	0.97	-0.71	0.31	0.65	1.0	0.66	0.71	0.66	-0.61	0.95	0.65	-0.53	0.26	0.59	0.72	-0.13
Total Stockholder Equity	0.96	0.77	-0.13	0.72		0.7	0.1	0.97	0.43	0.84	0.63	-0.56	0.82	0.88	0.72	0.95	0.59	0.92	-0.15	0.71	0.93	-0.69	0.69	0.72	0.97	0.36
Property Plant And Equipment Net	0.83	0.42	0.25	0.27	0.7		-0.22	0.57	0.58	0.46	0.29	-0.12	0.83	0.5	0.28	0.7	0.35	0.82	0.35	0.27	0.59	-0.37	0.7	0.67	0.76	0.69
Net Debt	0.0	0.6	-0.78	0.57	0.1	-0.22		0.23	-0.82	0.44	0.56	-0.12	-0.35	0.35	0.56	0.05	0.77	0.02	-0.48	0.66	0.2	-0.16	-0.04	-0.03	0.08	-0.19
Retained Earnings	0.88	0.78	-0.27	0.74	0.97	0.57	0.23		0.27	0.83	0.63	-0.58	0.7	0.93	0.74	0.89	0.64	0.82	-0.26	0.74	0.93	-0.74	0.69	0.64	0.9	0.26
Cash	0.52	-0.04	0.72	-0.07	0.43	0.58	-0.82	0.27		0.11	-0.08	-0.17	0.76	0.12	-0.05	0.43	-0.38	0.49	0.39	-0.13	0.3	-0.15	0.36	0.44	0.46	0.39
Non Current Assets Total	0.77	0.91	-0.39	0.97	0.84	0.46	0.44	0.83	0.11		0.93	-0.69	0.52	0.74	0.97	0.81	0.72	0.82	-0.47	0.92	0.76	-0.6	0.39	0.7	0.86	0.03
Non Currrent Assets Other	0.56	0.87	-0.46	0.97	0.63	0.29	0.56	0.63	-0.08	0.93		-0.67	0.25	0.54	0.97	0.58	0.68	0.63	-0.58	0.91	0.54	-0.44	0.15	0.6	0.68	-0.1
Other Assets	-0.43	-0.43	0.48	-0.71	-0.56	-0.12	-0.12	-0.58	-0.17	-0.69	-0.67		-0.26	-0.38	-0.71	-0.57	-0.3	-0.5	0.78	-0.56	-0.37	0.64	-0.09	-0.5	-0.56	0.48
Cash And Short Term Investments	0.91	0.45	0.31	0.31	0.82	0.83	-0.35	0.7	0.76	0.52	0.25	-0.26		0.63	0.32	0.85	0.27	0.87	0.3	0.33	0.73	-0.49	0.66	0.68	0.85	0.58
Common Stock Shares Outstanding	0.81	0.77	-0.3	0.65	0.88	0.5	0.35	0.93	0.12	0.74	0.54	-0.38	0.63		0.64	0.84	0.72	0.74	-0.15	0.71	0.96	-0.64	0.77	0.42	0.81	0.33
Non Current Liabilities Total	0.61	0.9	-0.48	1.0	0.72	0.28	0.56	0.74	-0.05	0.97	0.97	-0.71	0.32	0.64		0.66	0.69	0.66	-0.61	0.94	0.65	-0.53	0.25	0.6	0.72	-0.13
Other Stockholder Equity	0.95	0.69	-0.15	0.66	0.95	0.7	0.05	0.89	0.43	0.81	0.58	-0.57	0.85	0.84	0.66		0.61	0.95	-0.1	0.65	0.87	-0.62	0.66	0.67	0.97	0.28
Total Liab	0.58	0.8	-0.69	0.71	0.59	0.35	0.77	0.64	-0.38	0.72	0.68	-0.3	0.27	0.72	0.69	0.61		0.6	-0.29	0.78	0.6	-0.5	0.34	0.44	0.62	0.18
Property Plant And Equipment Gross	0.98	0.71	-0.05	0.66	0.92	0.82	0.02	0.82	0.49	0.82	0.63	-0.5	0.87	0.74	0.66	0.95	0.6		-0.01	0.63	0.79	-0.57	0.57	0.81	0.99	0.43
Total Current Assets	0.05	-0.31	0.76	-0.61	-0.15	0.35	-0.48	-0.26	0.39	-0.47	-0.58	0.78	0.3	-0.15	-0.61	-0.1	-0.29	-0.01		-0.48	-0.06	0.51	0.22	-0.15	-0.1	0.73
Short Term Debt	0.61	0.97	-0.49	0.95	0.71	0.27	0.66	0.74	-0.13	0.92	0.91	-0.56	0.33	0.71	0.94	0.65	0.78	0.63	-0.48		0.69	-0.49	0.33	0.52	0.7	-0.03
Common Stock Total Equity	0.86	0.77	-0.11	0.65	0.93	0.59	0.2	0.93	0.3	0.76	0.54	-0.37	0.73	0.96	0.65	0.87	0.6	0.79	-0.06	0.69		-0.59	0.8	0.45	0.85	0.41
Other Current Assets	-0.61	-0.48	0.48	-0.53	-0.69	-0.37	-0.16	-0.74	-0.15	-0.6	-0.44	0.64	-0.49	-0.64	-0.53	-0.62	-0.5	-0.57	0.51	-0.49	-0.59		-0.42	-0.59	-0.63	-0.05
Common Stock	0.67	0.43	0.11	0.26	0.69	0.7	-0.04	0.69	0.36	0.39	0.15	-0.09	0.66	0.77	0.25	0.66	0.34	0.57	0.22	0.33	0.8	-0.42		0.22	0.61	0.5
Other Liab	0.77	0.57	-0.06	0.59	0.72	0.67	-0.03	0.64	0.44	0.7	0.6	-0.5	0.68	0.42	0.6	0.67	0.44	0.81	-0.15	0.52	0.45	-0.59	0.22		0.8	0.27
Accounts Payable	0.98	0.77	-0.11	0.72	0.97	0.76	0.08	0.9	0.46	0.86	0.68	-0.56	0.85	0.81	0.72	0.97	0.62	0.99	-0.1	0.7	0.85	-0.63	0.61	0.8		0.36
Long Term Debt	0.51	0.2	0.47	-0.13	0.36	0.69	-0.19	0.26	0.39	0.03	-0.1	0.48	0.58	0.33	-0.13	0.28	0.18	0.43	0.73	-0.03	0.41	-0.05	0.5	0.27	0.36

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Old Second Account Relationship Matchups

Old Second fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	2.6B	3.0B	6.2B	5.9B	5.7B	6.0B
Short Long Term Debt Total	157.2M	116.9M	167.6M	228.7M	490.2M	514.7M
Other Current Liab	(48.5M)	2.5B	5.5B	(99M)	(405M)	(384.8M)
Total Current Liabilities	48.5M	23.4M	19.1M	90M	3.9B	4.1B
Total Stockholder Equity	277.9M	307.1M	502.0M	461.1M	577.3M	606.1M
Property Plant And Equipment Net	44.4M	45.5M	88.0M	76.9M	79.3M	44.7M
Net Debt	106.5M	(236.4M)	(603.6M)	113.5M	390.0M	409.5M
Retained Earnings	213.7M	236.6M	252.0M	310.5M	393.3M	413.0M
Cash	50.6M	329.9M	752.1M	115.2M	100.1M	108.6M
Non Current Assets Total	556.2M	566.7M	1.9B	1.7B	5.6B	5.9B
Non Currrent Assets Other	(11.5M)	(8.1M)	(6.1M)	(49.3M)	4.2B	4.4B
Other Assets	1.4B	1.5B	1.7B	2.2B	15.9M	15.1M
Cash And Short Term Investments	535.3M	826.1M	2.4B	1.7B	1.2B	1.3B
Common Stock Shares Outstanding	30.4M	30.2M	30.7M	45.2M	45.4M	47.7M
Liabilities And Stockholders Equity	2.6B	3.0B	6.2B	5.9B	5.7B	6.0B
Non Current Liabilities Total	108.7M	93.5M	148.5M	90M	5.1B	5.4B
Other Stockholder Equity	24.7M	20.8M	196.5M	199.0M	202.0M	212.1M
Total Liab	2.4B	93.5M	148.5M	5.4B	5.1B	5.4B
Property Plant And Equipment Gross	44.4M	45.5M	161.5M	144.8M	153.3M	160.9M
Total Current Assets	655.0M	967.7M	2.6B	1.9B	100.1M	95.1M
Short Term Debt	48.5M	23.4M	19.1M	99M	405M	425.3M
Accumulated Other Comprehensive Income	4.6M	14.8M	8.8M	(93.1M)	(62.8M)	(59.6M)
Common Stock Total Equity	34.7M	34.9M	35.0M	44.7M	51.4M	54.0M
Other Current Assets	65.3M	342.1M	768.0M	144.0M	105.3M	100.0M
Common Stock	34.7M	34.9M	35.0M	44.7M	51.4M	26.4M
Other Liab	15.6M	36.2M	45.1M	43.4M	49.9M	52.4M
Accounts Payable	2.1B	2.5B	5.5B	5.1B	5.9B	6.2B
Long Term Debt	108.7M	93.5M	148.5M	138.7M	85.2M	94.4M
Good Will	21.3M	20.8M	102.6M	86.5M	99.4M	104.4M
Short Term Investments	484.6M	496.2M	1.7B	1.5B	1.2B	1.3B
Inventory	(65.3M)	(342.1M)	(768.0M)	(146.9M)	(339.7M)	(322.8M)
Intangible Assets	5.9M	4.2M	7.1M	24.9M	21.6M	10.9M
Property Plant Equipment	49.4M	48.0M	88.0M	73.9M	85.0M	59.2M
Net Receivables	119.8M	141.6M	158.2M	277.4M	395.3M	415.0M
Retained Earnings Total Equity	213.7M	236.6M	252.0M	310.5M	357.1M	374.9M
Net Tangible Assets	256.6M	286.3M	399.4M	361.0M	415.1M	224.2M
Long Term Debt Total	108.7M	93.5M	148.5M	138.7M	159.5M	122.5M
Capital Surpluse	120.7M	122.2M	202.4M	202.3M	232.6M	136.5M

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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:

How To Invest In Old

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Is Old Stock a good investment?

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What is Old Second's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Old Second Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.

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.

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Old Net Income vs Interest Income Analysis

Net Income vs Interest Income

Net Income vs Interest Income Correlation Analysis

Correlation Coefficient

Net Income

Interest Income

Old Second fundamental ratios Correlations

Old Second Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Old Second fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Non Current Liabilities Total	+ 1.0	Total Current Liabilities
Accounts Payable	+ 0.99	Property Plant And Equipment Gross
Property Plant And Equipment Gross	+ 0.98	Total Assets
Accounts Payable	+ 0.98	Total Assets
Short Term Debt	+ 0.97	Short Long Term Debt Total
Non Current Assets Total	+ 0.97	Total Current Liabilities

Cash	- 0.82	Net Debt
Net Debt	- 0.78	Other Current Liab
Other Current Assets	- 0.74	Retained Earnings
Non Current Liabilities Total	- 0.71	Other Assets
Other Assets	- 0.71	Total Current Liabilities
Other Assets	- 0.69	Non Current Assets Total