Old Second (OSBC) Financials

+0.20 (+1.36%)

$438.8 M

OSBC Mkt cap, 18-Jul-2018

Old Second Revenue Q1, 2018

Old Second Gross profit (Q1, 2018)28.1 M

Old Second Gross profit margin (Q1, 2018), %88.9%

Old Second Cash, 31-Mar-201847.9 M

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Revenue	69 m	68 m	68.2 m	102 m
Revenue growth, %		(1%)	0%	50%
Cost of goods sold	13.8 m	11 m	9.1 m	9.9 m	12.6 m
Gross profit	55.3 m	57.1 m	59.1 m	92 m
Gross profit Margin, %	80%	84%	87%	90%
Operating expense total					69.1 m
EBIT	63.8 m	60.4 m	63.5 m
EBIT margin, %	92%	89%	93%
Pre tax profit	11.8 m	15.9 m	24.4 m	24.5 m	34.3 m
Income tax expense	(70.2 m)	5.8 m	9 m	8.8 m	19.2 m
Net Income	82.1 m	10.1 m	15.4 m	15.7 m	15.1 m

USD	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018
Revenue	26.1 m	23 m	24.1 m	25.5 m		25.4 m	22.7 m	23.9 m	25.1 m	24.4 m	27.8 m	29.4 m		31.6 m
Cost of goods sold	3.4 m	3.1 m	3 m	2.5 m		2.2 m	2.3 m	2.4 m	2.4 m	2.5 m	3.1 m	3.1 m		3.5 m
Gross profit	22.7 m	19.9 m	21.1 m	23 m		23.2 m	20.5 m	21.5 m	22.6 m	21.9 m	24.7 m	26.3 m		28.1 m
Gross profit Margin, %	87%	86%	88%	90%		91%	90%	90%	90%	90%	89%	89%		89%
Sales and marketing expense	9.3 m	9.1 m	9.2 m	8.9 m		9.1 m	8.3 m	9 m	8.8 m	9 m	10.6 m	10.5 m
Operating expense total	21.5 m	17.5 m	19.1 m	18.3 m		18.9 m	16.2 m	16.3 m	16.7 m	16.6 m	18.1 m	18 m		17.4 m
EBIT	16 m		14.7 m	14.7 m		17.2 m	16.9 m	15.2 m	15.4 m
EBIT margin, %	61%		61%	57%		68%	74%	64%	61%
Pre tax profit	2.9 m	3.4 m	3.1 m	4.7 m		6.6 m	6.3 m	5.2 m	5.9 m	5.4 m	6.7 m	7.6 m	9.9 m	11.5 m
Income tax expense	(70 m)	1.2 m	1.1 m	1.7 m		2.4 m	2.4 m	1.9 m	2.1 m	1.9 m	2.1 m	2.1 m	1.8 m	2 m
Net Income	72.9 m	2.2 m	2 m	2.9 m	3.5 m	4.1 m	3.9 m	3.3 m	3.8 m	3.5 m	4.6 m	5.5 m	8.1 m

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Cash	47.7 m	44.2 m	40.3 m	47.3 m	55.8 m
Accounts Receivable
Inventories				1.5 b	1.6 b
PP&E	46 m	42.3 m	39.6 m	39 m	37.6 m
Total Assets	2 b	2.1 b	2.1 b	2.3 b	2.4 b
Accounts Payable				1.9 b	1.9 b
Short-term debt
Long-term debt
Total Liabilities				2.1 b	2.2 b
Common Stock	18.8 m	34.4 m	34.4 m	34.5 m	34.6 m
Preferred Stock	72.9 m	47.3 m	47.3 m
Additional Paid-in Capital	66.2 m	115.3 m	115.9 m	116.7 m	117.7 m
Retained Earnings	92.5 m	100.7 m	114.2 m	129 m	143 m
Total Equity	147.7 m	194.2 m	155.9 m	175.2 m	200.4 m
Financial Leverage	13.6 x	10.6 x	13.3 x	12.8 x	11.9 x

USD	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018
Cash	80.1 m	54.5 m	93.1 m	44.1 m	74.2 m	38.5 m	53.8 m	36.6 m	40.3 m	189.9 m	60.7 m	51.1 m	47.5 m	47.9 m
Inventories	1.1 b	1.1 b	1.1 b	1.1 b	1.2 b	1.2 b	1.1 b	1.1 b	1.2 b	1.2 b	1.5 b	1.5 b		1.6 b
PP&E	46.4 m	45.7 m	45.2 m	42.6 m	42 m	41.7 m	39.7 m	39.2 m	39 m	39.1 m	38.6 m	38.1 m		37.2 m
Total Assets	2 b	2.1 b	2 b	2 b	2.1 b	2.1 b	2 b	2.1 b	2.2 b	2.1 b	2.4 b	2.3 b	2.4 b	2.4 b
Accounts Payable	1.7 b	1.7 b	1.7 b	1.7 b	1.7 b	1.7 b	1.7 b	1.8 b	1.8 b	1.8 b	1.9 b	1.9 b		2 b
Total Liabilities	1.9 b	1.9 b	1.9 b	1.8 b	1.9 b	1.9 b	1.9 b	2 b	2 b	1.9 b	2.2 b	2.2 b	2.2 b	2.2 b
Common Stock	18.8 m	18.8 m	34.4 m	34.4 m	34.4 m	34.4 m	34.4 m	34.4 m	34.5 m	34.5 m	34.6 m	34.6 m	34.6 m	34.7 m
Preferred Stock	72.7 m	73 m	47.3 m	47.3 m	31.6 m	31.6 m	47.3 m
Additional Paid-in Capital	66.2 m	66.3 m	115.2 m	115.3 m	115.5 m	115.7 m	115.8 m	116.1 m	116.3 m	116.5 m	116.9 m	117.2 m	117.5 m	117.4 m
Retained Earnings	92.6 m	94.7 m	96.9 m	98.8 m	103.4 m	106.8 m	110.4 m	117.5 m	121.1 m	124.3 m	133.3 m	138.4 m	145.8 m	151.8 m
Total Equity	142 m	149.5 m	192.6 m	192.7 m	181.8 m	185.2 m	153.6 m	156.7 m	167.6 m	171.6 m	182.3 m	191.1 m	200.8 m	204 m
Financial Leverage	14.3 x	13.8 x	10.6 x	10.6 x	11.5 x	11.1 x	13.3 x	13.5 x	12.9 x	12.3 x	12.9 x	12.3 x	11.8 x	11.6 x

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Net Income	82.1 m	10.1 m	15.4 m	15.7 m	15.1 m
Accounts Receivable
Inventories
Accounts Payable
Cash From Operating Activities	35.3 m	(6.3 m)	21.1 m	27.3 m	37.1 m
Cash From Investing Activities	9.6 m	(66.1 m)	(32.2 m)	(123.1 m)	(132.5 m)
Dividends Paid		(12.4 m)	(2.4 m)	(2.4 m)
Cash From Financing Activities	(125.7 m)	69 m	7.2 m	102.8 m	103.9 m
Income Taxes Paid	266 k	40 k	118 k	211 k	430 k

USD	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018
Net Income	81.9 m	2.2 m	4.2 m	7.1 m	3.5 m	7.6 m	11.6 m	3.3 m	7.2 m	10.7 m	4.6 m	10 m	8.1 m	9.5 m
Cash From Operating Activities	19.7 m	(4.9 m)	(20 m)	(14.4 m)	3.4 m	7.2 m	15.3 m	3.1 m	7.7 m	17.2 m	6.7 m	34.3 m	28.5 m	9 m
Cash From Investing Activities	18.4 m	(46 m)	6.4 m	(34.4 m)	(6.8 m)	(10.1 m)	12.7 m	(49.2 m)	(74.3 m)	117.4 m	(87.2 m)	(88.7 m)	(105.7 m)	3.3 m
Dividends Paid			(10.3 m)	(11.3 m)	(1 m)	(1.7 m)	(2.4 m)	(1 m)	(1.7 m)	(2.4 m)
Cash From Financing Activities	(86.5 m)	57.8 m	59 m	45.2 m	33.3 m	(2.7 m)	(18.4 m)	42.4 m	66.6 m	15 m	93.9 m	58.1 m	77.3 m	(20.2 m)
Income Taxes Paid	266 k				100 k	130 k	250 k	100 k	100 k	160 k	100 k	230 k	230 k

USD	Y, 2018
Financial Leverage	11.6 x

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Old Second's Total Loans was reported to be $1.5b in Q2, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
Bank Branches	25				24				26
Non-performing Loans	$27.08 m	$23.36 m	$19.28 m	$18.53 m	$14.62 m	$14.04 m	$18.42 m	$17.38 m	$16 m	$12.52 m	$15.62 m
Total Loans	$1.16 b	$1.15 b	$1.16 b	$1.13 b	$1.13 b	$1.14 b	$1.16 b	$1.20 b	$1.48 b	$1.49 b	$1.54 b