OSBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price

$20.99

Market Cap

$1.03B

P/E (TTM)

12.0

EPS (TTM)

$1.62

Revenue (TTM)

—

Div Yield

1.2%

ROE

9.9%

Debt/Equity

—

52W Range

$16 – $22

OSBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —

EPS $1.62

2016-12-31 → 2025-12-31

Free Cash Flow $118M

2016-12-31 → 2025-12-31

Margins 23.7%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric

5Y trend

OSBC

Peer Median

P/E (TTM)

12.0

11.0

P/S (TTM)

3.0

2.3

P/B

1.1

1.0

Price / FCF

8.7

—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric

5Y trend

OSBC

Peer Median

Net Profit Margin

23.7%

27.4%

ROA

1.3%

1.1%

ROE

9.9%

9.6%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric

5Y trend

OSBC

Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric

5Y trend

OSBC

Peer Median

Revenue YoY

18.9%

—

Revenue CAGR 3Y

10.8%

—

Revenue CAGR 5Y

21.3%

—

EPS YoY

-13.4%

—

Net Income YoY

-5.8%

—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric

5Y trend

OSBC

Peer Median

EPS (Diluted)

$1.62

—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric

5Y trend

OSBC

Peer Median

Payout Ratio

15.2%

—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield

1.2%

Payout Ratio

15.2%

5Y Div CAGR

—

Ex-date	Amount
May 1, 2026	$0.0700
Jan. 30, 2026	$0.0700
Oct. 31, 2025	$0.0700
July 25, 2025	$0.0600
April 25, 2025	$0.0600
Jan. 31, 2025	$0.0600
Oct. 25, 2024	$0.0600
July 26, 2024	$0.0500
April 25, 2024	$0.0500
Jan. 25, 2024	$0.0500
Oct. 26, 2023	$0.0500
July 27, 2023	$0.0500
April 27, 2023	$0.0500
Jan. 26, 2023	$0.0500
Oct. 27, 2022	$0.0500
July 28, 2022	$0.0500
April 28, 2022	$0.0500
Jan. 27, 2022	$0.0500
Oct. 28, 2021	$0.0500
July 29, 2021	$0.0500

OSBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 11 analysts

Strong Buy 3 27.3%
Buy 6 54.5%
Hold 2 18.2%
Sell 0 0.0%
Strong Sell 0 0.0%

12-Month Price Target

5 analysts · 2026-05-19

Median $23.00

← Below all targets $20.99

Low $22.00

High $25.00

Median target $23.00 +9.6%

Mean target $23.20 +10.5%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise

-0.05%

Period	EPS Actual	EPS Est	Surprise
March 31, 2026	$0.48	$0.52	-0.04%
Dec. 31, 2025	$0.54	$0.51	0.03%
Sept. 30, 2025	$0.18	$0.37	-0.19%
June 30, 2025	$0.48	$0.49	-0.01%
March 31, 2025	$0.43	$0.45	-0.02%

Peer Comparison Key metrics vs sector peers

Ticker	Market Cap	P/E	Rev YoY	Net Margin	ROE	Gross Margin
OSBC	$1.03B	12.0	18.9%	23.7%	9.9%	—
CTBI	$1.02B	10.4	13.7%	34.7%	11.8%	—
FMBH	$935M	10.2	7.4%	26.3%	9.9%	—
MCB	$770M	11.5	-53.8%	643.2%	9.7%	—
HFWA	$803M	12.1	13.5%	27.4%	7.5%	—
OCFC	$1.03B	15.3	5.4%	17.5%	4.2%	—
CCB	$1.73B	37.4	-6.8%	8.7%	9.9%	—
UVSP	$922M	10.5	9.6%	27.7%	9.8%	—
HBT	$813M	10.6	5.6%	32.5%	12.9%	—

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10

Annual Income Statement data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Interest Expense	·	$56M	$40M	$10M	$8M	$12M	·	$19M	$17M	$13M	$10M	$9M
Interest Income	$355M	$298M	$292M	$216M	$105M	$104M	·	$116M	$108M	$88M	$73M	$68M
Pretax Income	$108M	$113M	$124M	$92M	$28M	$37M	·	$52M	$44M	$34M	$25M	$24M
Income Tax	$27M	$28M	$33M	$24M	$8M	$10M	·	$12M	$10M	$19M	$9M	$9M
Net Income	$80M	$85M	$92M	$67M	$20M	$28M	·	$39M	$34M	$15M	$16M	$15M
EPS (Basic)	$1.64	$1.90	$2.05	$1.51	$0.66	$0.94	·	$1.32	$1.14	$0.51	$0.53	$0.46
EPS (Diluted)	$1.62	$1.87	$2.02	$1.49	$0.65	$0.92	·	$1.30	$1.12	$0.50	$0.53	$0.46
Shares (Basic)	48,875,540	44,828,290	44,663,722	44,526,655	30,208,663	29,623,333	·	29,891,046	29,728,308	29,600,702	29,532,510	29,476,821
Shares (Diluted)	49,669,539	45,639,351	45,395,010	45,213,088	30,737,862	30,174,072	·	30,416,348	30,308,935	30,038,417	29,838,931	29,730,074
EBITDA	$6M	$6M	$4M	$4M	$3M	$3M	·	$2M	$2M	$2M	$2M	$2M

Balance Sheet 16

Annual Balance Sheet data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Cash & Equivalents	$124M	$99M	$100M	$115M	$752M	$330M	·	$51M	$55M	$56M	$47M	$40M
PP&E (Net)	$87M	$87M	$79M	$72M	$88M	$45M	·	$44M	$42M	$38M	$39M	$40M
PP&E (Gross)	$172M	$167M	$153M	$145M	$162M	$116M	·	$112M	$108M	$101M	$101M	$100M
Accum. Depreciation	$85M	$79M	$74M	$72M	$74M	$70M	·	$68M	$65M	$63M	$62M	$61M
Goodwill	$129M	$93M	$86M	$86M	$86M	$19M	·	·	·	·	·	·
Intangibles	$24M	$22M	$11M	$14M	$16M	$2M	·	·	·	·	·	·
Total Assets	$6.90B	$5.65B	$5.72B	$5.89B	$6.21B	$3.04B	·	$2.64B	$2.68B	$2.38B	$2.25B	$2.08B
Total Liabilities	$6.01B	$4.98B	$5.15B	$5.43B	$5.71B	$2.73B	·	$2.36B	$2.45B	$2.18B	$2.08B	$1.92B
Common Stock	$53M	$45M	$45M	$45M	$45M	$35M	·	$35M	$35M	$35M	$35M	$34M
Paid-in Capital	$341M	$205M	$202M	$202M	$202M	$122M	·	$121M	$119M	$118M	$117M	$116M
Retained Earnings	$537M	$469M	$393M	$311M	$252M	$237M	·	$214M	$175M	$143M	$129M	$114M
Treasury Stock	$6M	$575.0K	$177.0K	$3M	$6M	$101M	·	$96M	$96M	$96M	$96M	$96M
AOCI	$-29M	$-48M	$-63M	$-93M	$9M	$15M	·	$5M	$-4M	$1M	$-9M	$-13M
Stockholders' Equity	$897M	$671M	$577M	$461M	$502M	$307M	·	$278M	$229M	$200M	$175M	$156M
Liabilities + Equity	$6.90B	$5.65B	$5.72B	$5.89B	$6.21B	$3.04B	·	$2.64B	$2.68B	$2.38B	$2.25B	$2.08B
Shares Outstanding	52,669,224	44,873,467	44,697,917	44,582,311	44,461,045	29,328,723	·	29,931,809	29,763,078	29,627,086	29,556,216	29,483,429

Cash Flow 16

Annual Cash Flow data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
D&A	$6M	$6M	$4M	$4M	$3M	$3M	·	$2M	$2M	$2M	$2M	$2M
Stock-based Comp	$6M	$4M	$4M	$3M	$1M	$2M	·	$3M	$2M	$1M	$657.0K	$613.0K
Deferred Tax	$2M	$-1M	$2M	·	$6M	$-646.0K	·	$6M	$10M	$22M	$8M	$9M
Amort. of Intangibles	$5M	$2M	$2M	$3M	$644.0K	$494.0K	·	$539.0K	$387.0K	$96.0K	$16.0K	·
Other Non-cash	$29M	$37M	$17M	$23M	$-63.0K	$-6M	·	$2M	$6M	$-3M	$205.0K	$-6M
Operating Cash Flow	$122M	$132M	$116M	$97M	$31M	$26M	·	$53M	$55M	$37M	$27M	$21M
CapEx	$5M	$11M	$12M	$4M	$2M	$4M	·	$4M	$2M	$1M	$2M	$1M
Investing Cash Flow	$160M	$323M	$162M	$-433M	$133M	$-104M	·	$42M	$-26M	$-132M	$-123M	$-32M
Stock Repurchased	$7M	$1M	$605.0K	$455.0K	$10M	$6M	·	$666.0K	$505.0K	$236.0K	$254.0K	$117.0K
Net Stock Activity	$-7M	$-1M	$-605.0K	$-455.0K	$-10M	$-6M	·	$-666.0K	$-505.0K	$-236.0K	$-254.0K	$-117.0K
Dividends Paid	$12M	$9M	$9M	$9M	$5M	$1M	·	$1M	$1M	$1M	$888.0K	·
Financing Cash Flow	$-257M	$-455M	$-293M	$-301M	$258M	$357M	·	$-99M	$-30M	$104M	$103M	$7M
Net Change in Cash	$25M	$-816.0K	$-15M	$-637M	$422M	$279M	·	$-5M	$-598.0K	$8M	$7M	$-4M
Taxes Paid	$21M	$23M	$36M	$11M	$11M	$8M	·	$4M	$20.0K	$430.0K	$211.0K	$118.0K
Free Cash Flow	$118M	$121M	$104M	$93M	$29M	$22M	·	$48M	$53M	$36M	$25M	$20M
Levered FCF	·	$78M	$75M	$85M	$23M	$13M	·	$34M	$40M	$30M	$19M	$14M

Profitability 5

Annual Profitability data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Net Margin	23.7%	29.9%	32.1%	27.0%	14.7%	21.5%	·	29.8%	27.8%	14.4%	17.1%	17.4%
Pretax Margin	31.8%	39.6%	43.5%	36.7%	20.5%	28.9%	·	39.1%	35.9%	32.6%	26.6%	27.6%
EBITDA Margin	1.8%	2.0%	1.6%	1.6%	2.3%	2.2%	·	1.9%	2.0%	2.2%	2.5%	2.7%
ROA	1.3%	1.5%	1.6%	1.1%	0.43%	0.98%	·	1.5%	1.3%	0.65%	0.72%	0.74%
ROE	9.9%	12.8%	16.5%	15.1%	4.9%	9.2%	·	14.4%	15.2%	7.5%	9.0%	9.9%

Efficiency 1

Annual Efficiency data for OSBC
Metric	Trend	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Asset Turnover		0.1	0.1	0.0	0.0	0.0	0.0	·	0.0	0.0	0.0	0.0	0.0

Per Share 6

Annual Per Share data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Book Value / Share	$17.03	$14.95	$12.92	$10.34	$11.29	$10.47	·	$9.28	$7.70	$6.76	$5.93	$5.29
Revenue / Share	$6.83	$6.25	$6.30	$5.51	$4.42	$4.28	·	$4.36	$4.03	$3.50	$3.08	$2.97
Cash Flow / Share	$2.46	$2.88	$2.56	$2.15	$1.01	$0.86	·	$1.73	$1.81	$1.24	$0.91	$0.71
Cash / Share	$2.35	$2.21	$2.24	$2.58	$16.92	$11.25	·	$1.69	$1.86	$1.88	·	·
Dividend / Share	$0	$0	$0	$0	$0	$0	·	$0	$0	$0	$0	·
EPS (TTM)	$1.62	$1.87	$2.02	$1.49	$0.65	$0.92	$1.00	$1.30	$1.12	$0.50	$0.53	$0.46

Growth Rates 10

Annual Growth Rates data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Revenue YoY	18.9%	-0.23%	14.8%	83.3%	5.2%	·	·	·	·	·	·	·
Revenue CAGR 3Y	10.8%	28.0%	30.3%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	21.3%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	-13.4%	-7.4%	35.6%	129.2%	-29.3%	·	·	·	·	·	·	·
EPS CAGR 3Y	2.8%	42.2%	30.0%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	12.0%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	-5.8%	-7.0%	36.1%	236.3%	-28.0%	·	·	·	·	·	·	·
Net Income CAGR 3Y	6.0%	62.0%	48.8%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	23.6%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	59.5%	·	·	·	·	·	·	·	·	·	·	·

Valuation (TTM) 13

Annual Valuation (TTM) data for OSBC
Metric	2025	2024	2023	2022	2021	2020	2020	2019	2018	2017	2016	2015
Revenue TTM	$339M	$285M	$286M	$249M	$136M	$129M	$129M	$133M	$122M	$105M	$92M	$88M
Net Income TTM	$80M	$85M	$92M	$67M	$20M	$28M	$30M	$39M	$34M	$15M	$16M	$15M
Market Cap	$1.03B	$798M	$690M	$715M	$560M	$296M	·	$403M	$387M	$404M	$327M	$231M
P/E	12.0	9.5	7.6	10.8	19.4	11.0	7.8	10.4	11.6	27.3	20.8	17.0
P/S	3.0	2.8	2.4	2.9	4.1	2.3	·	3.0	3.2	3.8	3.5	2.6
P/B	1.1	1.2	1.2	1.6	1.1	1.0	·	1.5	1.7	2.0	1.9	1.5
P / Tangible Book	1.4	1.4	1.4	2.0	1.4	1.0	·	·	·	·	·	·
P / Cash Flow	8.4	6.1	5.9	7.3	18.0	11.4	·	7.7	7.0	10.9	12.0	10.9
P / FCF	8.7	6.6	6.6	7.7	19.3	13.4	·	8.4	7.3	11.2	12.9	11.6
Dividend Yield	1.2%	1.2%	1.3%	1.2%	0.82%	0.40%	·	0.30%	0.31%	0.29%	0.27%	·
Earnings Yield	8.3%	10.5%	13.1%	9.3%	5.2%	9.1%	12.7%	9.7%	8.6%	3.7%	4.8%	5.9%
Payout Ratio	15.2%	11.0%	9.8%	13.2%	23.0%	4.3%	·	3.0%	3.5%	7.8%	5.7%	·
Annual Payout	$12M	$9M	$9M	$9M	$5M	$1M	·	$1M	$1M	$1M	$888.0K	·

Income Statement 10

Quarterly Income Statement data for OSBC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Interest Expense	·	·	·	·	$11M	·	$15M	$14M	$14M	·	$11M	$10M	$6M	$4M	$2M	$2M
Interest Income	$98M	$102M	$104M	$75M	$74M	$75M	$76M	$73M	$73M	$74M	$74M	$74M	$70M	$68M	$58M	$47M
Pretax Income	$34M	$39M	$13M	$29M	$26M	$25M	$30M	$29M	$29M	$25M	$32M	$35M	$32M	$32M	$27M	$17M
Income Tax	$8M	$10M	$3M	$7M	$6M	$6M	$7M	$7M	$7M	$7M	$8M	$9M	$8M	$8M	$7M	$4M
Net Income	$26M	$29M	$10M	$22M	$20M	$19M	$23M	$22M	$21M	$18M	$24M	$26M	$24M	$24M	$20M	$12M
EPS (Basic)	$0.49	$0.52	$0.19	$0.49	$0.44	$0.42	$0.52	$0.48	$0.48	$0.40	$0.55	$0.57	$0.53	$0.53	$0.43	$0.28
EPS (Diluted)	$0.48	$0.53	$0.18	$0.48	$0.43	$0.42	$0.50	$0.48	$0.47	$0.40	$0.54	$0.56	$0.52	$0.52	$0.43	$0.27
Shares (Basic)	52,450,306	-93,832,227	52,686,391	45,053,650	44,967,726	-89,627,442	44,850,325	44,846,848	44,758,559	-89,296,012	44,675,489	44,665,127	44,619,118	-88,999,411	44,565,626	44,499,395
Shares (Diluted)	53,303,072	-95,400,721	53,509,690	45,839,465	45,721,105	-91,245,912	45,679,140	45,682,239	45,523,884	-90,774,415	45,428,409	45,424,418	45,316,598	-90,416,904	45,221,541	45,246,736
EBITDA	$2M	·	·	·	$1M	·	·	·	$1M	·	·	·	$1M	·	·	·

Balance Sheet 16

Quarterly Balance Sheet data for OSBC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Cash & Equivalents	$116M	$124M	$117M	$142M	$256M	$99M	$116M	$121M	$98M	·	$109M	$113M	$103M	·	$116M	$281M
PP&E (Net)	$86M	$87M	$88M	$86M	$87M	$87M	$83M	$83M	$81M	·	$76M	$73M	$73M	·	$77M	$82M
PP&E (Gross)	·	$172M	·	·	·	$167M	·	·	·	·	·	·	·	·	·	·
Accum. Depreciation	·	$85M	·	·	·	$79M	·	·	·	·	·	·	·	·	·	·
Goodwill	$129M	$129M	$130M	$93M	$93M	$93M	$86M	$86M	$86M	·	$86M	$86M	$86M	·	$86M	$86M
Intangibles	$23M	$24M	$25M	$20M	$21M	$22M	$9M	$10M	$11M	·	$12M	$12M	$13M	·	$14M	$15M
Total Assets	$6.85B	$6.90B	$6.99B	$5.70B	$5.73B	$5.65B	$5.67B	$5.66B	$5.62B	·	$5.76B	$5.88B	$5.92B	·	$5.97B	$6.01B
Total Liabilities	$5.96B	$6.01B	$6.13B	$4.98B	$5.03B	$4.98B	$5.01B	$5.04B	$5.02B	·	$5.23B	$5.37B	$5.42B	·	$5.53B	$5.56B
Common Stock	$53M	$53M	$53M	$45M	$45M	$45M	$45M	$45M	$45M	·	$45M	$45M	$45M	·	$45M	$45M
Paid-in Capital	$338M	$341M	$340M	$206M	$205M	$205M	$205M	$204M	$203M	·	$202M	$201M	$200M	·	$202M	$201M
Retained Earnings	$559M	$537M	$512M	$505M	$486M	$469M	$453M	$432M	$412M	·	$377M	$355M	$332M	·	$289M	$272M
Treasury Stock	$26M	$6M	$6M	$645.0K	$806.0K	$575.0K	$832.0K	$853.0K	$905.0K	·	$401.0K	$746.0K	$746.0K	·	$3M	$4M
AOCI	$-31M	$-29M	$-32M	$-37M	$-41M	$-48M	$-40M	$-61M	$-63M	·	$-91M	$-86M	$-79M	·	$-98M	$-65M
Stockholders' Equity	$893M	$897M	$867M	$719M	$694M	$671M	$661M	$619M	$596M	$577M	$533M	$514M	$497M	$461M	$434M	$449M
Liabilities + Equity	$6.85B	$6.90B	$6.99B	$5.70B	$5.73B	$5.65B	$5.67B	$5.66B	$5.62B	·	$5.76B	$5.88B	$5.92B	·	$5.97B	$6.01B
Shares Outstanding	51,665,659	52,669,224	52,664,535	45,056,183	45,047,151	44,873,467	44,851,091	44,849,591	44,845,629	·	44,684,987	44,665,127	44,665,127	·	44,572,544	44,562,068

Cash Flow 14

Quarterly Cash Flow data for OSBC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
D&A	$2M	$2M	$2M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$978.0K	$1M
Stock-based Comp	$1M	$1M	$2M	$1M	$1M	$829.0K	$978.0K	$1M	$1M	$894.0K	$935.0K	$842.0K	$932.0K	$784.0K	$707.0K	$722.0K
Amort. of Intangibles	$1M	$1M	$1M	$1M	$1M	$716.0K	$570.0K	$574.0K	$580.0K	$603.0K	$616.0K	$618.0K	$624.0K	$645.0K	$657.0K	$659.0K
Other Non-cash	$8M	·	·	·	$-5M	·	·	·	$24M	·	·	·	$9M	·	·	·
Operating Cash Flow	$37M	$44M	$36M	$24M	$18M	$24M	$48M	$12M	$47M	$29M	$82M	$-29M	$35M	$37M	$33M	$27M
CapEx	$769.0K	$881.0K	$1M	$789.0K	$2M	$2M	$2M	$3M	$3M	$4M	$5M	$1M	$2M	$2M	$1M	$1M
Investing Cash Flow	$30M	$81M	$92M	$-90M	$77M	$259M	$-7M	$-23M	$94M	$37M	$75M	$92M	$-43M	$74M	$-157M	$-173M
Stock Repurchased	$24M	$36.0K	$6M	$62.0K	$1M	$257.0K	$0	$15.0K	$776.0K	$0	$0	$0	$605.0K	$8.0K	$47.0K	·
Net Stock Activity	$-24M	·	·	·	$-1M	·	·	·	$-776.0K	·	·	·	$-605.0K	·	·	·
Dividends Paid	$4M	$4M	$3M	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$2M	·	·	$2M	$2M	$2M
Financing Cash Flow	$-75M	$-118M	$-153M	$-48M	$62M	$-300M	$-46M	$34M	$-143M	$-75M	$-161M	$-53M	$-4M	$-112M	$-41M	$-207M
Net Change in Cash	$-8M	$8M	$-25M	$-114M	$157M	$-16M	$-5M	$23M	$-2M	$-9M	$-4M	$10M	$-12M	$-977.0K	$-165M	$-353M
Free Cash Flow	$36M	·	·	·	$16M	·	·	·	$44M	·	·	·	$33M	·	·	·
Levered FCF	·	·	·	·	$8M	·	·	·	$34M	·	·	·	$29M	·	·	·

Profitability 5

Quarterly Profitability data for OSBC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Margin	27.3%	·	10.3%	29.0%	27.1%	·	32.2%	30.9%	30.3%	·	33.4%	35.6%	33.1%	·	29.1%	22.5%
Pretax Margin	36.3%	·	13.6%	38.9%	35.8%	·	41.9%	41.2%	40.6%	·	44.6%	48.7%	44.8%	·	39.6%	30.6%
EBITDA Margin	1.8%	·	·	·	1.9%	·	·	·	1.9%	·	·	·	1.5%	·	·	·
ROA	0.41%	·	0.16%	0.38%	0.35%	·	0.40%	0.38%	0.37%	·	0.42%	0.43%	0.39%	·	0.42%	0.26%
ROE	3.2%	·	1.3%	3.3%	3.1%	·	3.8%	3.9%	3.9%	·	5.0%	5.3%	4.9%	·	5.2%	3.2%

Efficiency 1

Quarterly Efficiency data for OSBC
Metric	Trend	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0

Per Share 6

Quarterly Per Share data for OSBC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$17.29	·	$16.46	$15.95	$15.42	·	$14.75	$13.81	$13.29	·	$11.92	$11.51	$11.12	·	$9.73	$10.07
Revenue / Share	$1.76	·	$1.79	$1.64	$1.60	·	$1.56	$1.55	$1.54	·	$1.60	$1.58	$1.58	·	$1.48	$1.20
Cash Flow / Share	$0.69	·	·	·	$0.39	·	·	·	$1.04	·	·	·	$0.77	·	·	·
Cash / Share	$2.24	·	$2.21	$3.15	$5.69	·	$2.58	$2.70	$2.19	·	$2.44	$2.52	$2.31	·	$2.61	$6.31
Dividend / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
EPS (TTM)	$1.57	·	$1.59	$1.89	$1.88	·	$1.99	$2.05	$2.09	·	$2.05	$1.78	$1.49	·	$1.26	$1.13

Valuation (TTM) 11

Quarterly Valuation (TTM) data for OSBC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue TTM	$338M	·	$315M	$290M	$285M	·	$285M	$286M	$286M	·	$283M	$265M	$248M	·	$208M	$171M
Net Income TTM	$77M	·	$74M	$86M	$86M	·	$90M	$93M	$95M	·	$93M	$81M	$67M	·	$52M	$41M
Market Cap	$1.04B	·	$911M	$799M	$750M	·	$699M	$664M	$621M	·	$608M	$583M	$628M	·	$582M	$596M
P/E	12.8	·	10.9	9.4	8.9	·	7.8	7.2	6.6	·	6.6	7.3	9.4	·	10.4	11.8
P/S	3.1	·	2.9	2.8	2.6	·	2.5	2.3	2.2	·	2.1	2.2	2.5	·	2.8	3.5
P/B	1.2	·	1.1	1.1	1.1	·	1.1	1.1	1.0	·	1.1	1.1	1.3	·	1.3	1.3
P / Tangible Book	1.4	·	1.3	1.3	1.3	·	1.2	1.3	1.2	·	1.4	1.4	1.6	·	1.7	1.7
P / Cash Flow	28.2	·	·	·	42.0	·	·	·	13.1	·	·	·	17.9	·	·	·
P / FCF	28.8	·	·	·	46.2	·	·	·	14.1	·	·	·	18.8	·	·	·
Earnings Yield	7.8%	·	9.2%	10.7%	11.3%	·	12.8%	13.8%	15.1%	·	15.1%	13.6%	10.6%	·	9.7%	8.5%
Payout Ratio	14.4%	·	·	·	13.6%	·	·	·	·	·	·	·	·	·	·	·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Net Income	$80M	$85M	$92M	$67M	$20M
Diluted EPS	$1.62	$1.87	$2.02	$1.49	$0.65

Cash Flow

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow	$118M	$121M	$104M	$93M	$29M

Trading Signals Recent buy/sell signals with entry price and risk/reward ratio

BOUNCE_UP @ $17.56 RR 1.50 Sep 25

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