OSBC Old Second Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$24.95
· of 52w range
· above low
· to high
$16.6552w low
$26.0652w high
Market Cap (MRQ)
$1.27B
P/E
15.1
EPS
$1.62
your badges
52W Range
$17–$26
Analyst Rating
BUY
Price Target
$28
P/E
15.1
ROE
9.9%
Net Profit Margin
23.7%
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OSBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$24.95
Market Cap (MRQ)
$1.27B
P/E
15.1
EPS
$1.62
Div Yield
0.95%
ROE
9.9%
52W Range
$17–$26
OSBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| July 29, 2004 | 2-for-1 | Forward |
| June 25, 2002 | 4-for-3 | Forward |
| May 18, 1999 | 2-for-1 | Forward |
| June 18, 1996 | 5-for-4 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.622016-12-31 → 2025-12-31
Free Cash Flow$118M2016-12-31 → 2025-12-31
Net margin23.7%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 15.15Y avg ≈11.9 | ≈11.9 | 12.9 | Overvalued | |
| P/S | 3.85Y avg ≈3.0 | ≈3.0 | 3.6 | Undervalued | |
| P/B (MRQ) | 1.45Y avg ≈1.2 | ≈1.2 | 1.3 | Overvalued | |
| Price / FCF (TTM) | 8.95Y avg ≈9.8 | ≈9.8 | · | · | |
| Price / Cash Flow (TTM) | 8.75Y avg ≈9.2 | ≈9.2 | 9.3 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.45Y avg ≈1.5 | ≈1.5 | · | · | |
| PEG Ratio | ≈1.3 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | OSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.8%5Y avg ≈1.9% | ≈1.9% | 1.5% | Top tier | |
| Pretax Margin | 31.8%5Y avg ≈34.4% | ≈34.4% | 34.5% | In line | |
| Net Profit Margin | 23.7%5Y avg ≈25.5% | ≈25.5% | 29.2% | In line | |
| ROA | 1.3%5Y avg ≈1.2% | ≈1.2% | 1.2% | In line | |
| ROE | 9.9%5Y avg ≈11.8% | ≈11.8% | 9.9% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 18.9%5Y avg ≈24.4% | ≈24.4% | · | · | |
| Revenue CAGR 3Y | 10.8%5Y avg ≈23.1% | ≈23.1% | · | · | |
| Revenue CAGR 5Y | 21.3% | · | · | · | |
| EPS YoY | -13.4%5Y avg ≈22.9% | ≈22.9% | · | · | |
| Net Income YoY | -5.8%5Y avg ≈46.3% | ≈46.3% | · | · | |
| EPS CAGR 3Y | 2.8%5Y avg ≈25.0% | ≈25.0% | · | · | |
| EPS CAGR 5Y | 12.0% | · | · | · | |
| Net Income CAGR 3Y | 6.0%5Y avg ≈39.0% | ≈39.0% | · | · | |
| Net Income CAGR 5Y | 23.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | OSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.15Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield0.95%
Payout Ratio15.2%
Annualized Payout≈$0.28
5Y Div CAGR≈43.1%
Growth Streak≈2
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 31, 2026 | $0.07 | USD | ≈1.1% |
| May 1, 2026 | $0.07 | USD | ≈1.3% |
| Jan 30, 2026 | $0.07 | USD | ≈1.3% |
| Oct 31, 2025 | $0.07 | USD | ≈1.4% |
| Jul 25, 2025 | $0.06 | USD | ≈1.3% |
| Apr 25, 2025 | $0.06 | USD | ≈1.5% |
| Jan 31, 2025 | $0.06 | USD | ≈1.2% |
| Oct 25, 2024 | $0.06 | USD | ≈1.3% |
| Jul 26, 2024 | $0.05 | USD | ≈1.2% |
| Apr 25, 2024 | $0.05 | USD | ≈1.4% |
| Jan 25, 2024 | $0.05 | USD | ≈1.4% |
| Oct 26, 2023 | $0.05 | USD | ≈1.5% |
| Jul 27, 2023 | $0.05 | USD | ≈1.3% |
| Apr 27, 2023 | $0.05 | USD | ≈1.6% |
| Jan 26, 2023 | $0.05 | USD | ≈1.2% |
| Oct 27, 2022 | $0.05 | USD | ≈1.3% |
| Jul 28, 2022 | $0.05 | USD | ≈1.4% |
| Apr 28, 2022 | $0.05 | USD | ≈1.4% |
| Jan 27, 2022 | $0.05 | USD | ≈1.6% |
| Oct 28, 2021 | $0.05 | USD | ≈1.3% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-10.7%
Next Report
Oct 20, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 21, 2026 | $0.54 | $0.56 | -3.5% |
| March 31, 2026 | $0.48 | $0.52 | -8.5% | |
| Dec. 31, 2025 | $0.54 | $0.51 | 6.5% | |
| Sept. 30, 2025 | $0.18 | $0.37 | -50.8% | |
| June 30, 2025 | $0.48 | $0.49 | -2.6% | |
| March 31, 2025 | $0.43 | $0.45 | -5.2% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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 | 52,669,223 | 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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 | $0.25 | $0.21 | $0.20 | $0.20 | $0.16 | $0.04 | $0.04 | $0.04 | $0.04 | $0.03 | · | |
| EPS (TTM) | $1.62 | $1.87 | $2.02 | $1.49 | $0.65 | $0.92 | $1.30 | $1.12 | $0.50 | $0.53 | $0.46 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 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% | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 59.5% | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $339M | $285M | $286M | $249M | $136M | $129M | $133M | $122M | $105M | $92M | $88M | |
| Net Income TTM | $80M | $85M | $92M | $67M | $20M | $28M | $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 | 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% | 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
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | $11M | · | $15M | $14M | $14M | · | $11M | $10M | $6M | $4M | $2M | |
| Interest Income | $101M | $98M | $102M | $104M | $75M | $74M | $75M | $76M | $73M | $73M | $74M | $74M | $74M | $70M | $68M | $58M | |
| Pretax Income | $38M | $34M | $39M | $13M | $29M | $26M | $25M | $30M | $29M | $29M | $25M | $32M | $35M | $32M | $32M | $27M | |
| Income Tax | $10M | $8M | $10M | $3M | $7M | $6M | $6M | $7M | $7M | $7M | $7M | $8M | $9M | $8M | $8M | $7M | |
| Net Income | $28M | $26M | $29M | $10M | $22M | $20M | $19M | $23M | $22M | $21M | $18M | $24M | $26M | $24M | $24M | $20M | |
| EPS (Basic) | $0.55 | $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 | |
| EPS (Diluted) | $0.54 | $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 | |
| Shares (Basic) | 51,250,245 | 52,450,306 | · | 52,686,391 | 45,053,650 | 44,967,726 | · | 44,850,325 | 44,846,848 | 44,758,559 | · | 44,675,489 | 44,665,127 | 44,619,118 | · | 44,565,626 | |
| Shares (Diluted) | 52,120,337 | 53,303,072 | · | 53,509,690 | 45,839,465 | 45,721,105 | · | 45,679,140 | 45,682,239 | 45,523,884 | · | 45,428,409 | 45,424,418 | 45,316,598 | · | 45,221,541 | |
| EBITDA | · | $2M | · | · | · | $1M | · | · | · | $1M | · | · | · | $1M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $143M | $116M | $124M | $117M | $142M | $256M | $99M | $116M | $121M | $98M | · | $109M | $113M | $103M | · | $116M | |
| PP&E (Net) | $85M | $86M | $87M | $88M | $86M | $87M | $87M | $83M | $83M | $81M | · | $76M | $73M | $73M | · | $77M | |
| PP&E (Gross) | · | · | $172M | · | · | · | $167M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $85M | · | · | · | $79M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $129M | $129M | $129M | $130M | $93M | $93M | $93M | $86M | $86M | $86M | · | $86M | $86M | $86M | · | $86M | |
| Intangibles | $21M | $23M | $24M | $25M | $20M | $21M | $22M | $9M | $10M | $11M | · | $12M | $12M | $13M | · | $14M | |
| Total Assets | $6.87B | $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 | |
| Total Liabilities | $5.97B | $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 | |
| Common Stock | $53M | $53M | $53M | $53M | $45M | $45M | $45M | $45M | $45M | $45M | · | $45M | $45M | $45M | · | $45M | |
| Paid-in Capital | $340M | $338M | $341M | $340M | $206M | $205M | $205M | $205M | $204M | $203M | · | $202M | $201M | $200M | · | $202M | |
| Retained Earnings | $584M | $559M | $537M | $512M | $505M | $486M | $469M | $453M | $432M | $412M | · | $377M | $355M | $332M | · | $289M | |
| Treasury Stock | $42M | $26M | $6M | $6M | $645.0K | $806.0K | $575.0K | $832.0K | $853.0K | $905.0K | · | $401.0K | $746.0K | $746.0K | · | $3M | |
| AOCI | $-32M | $-31M | $-29M | $-32M | $-37M | $-41M | $-48M | $-40M | $-61M | $-63M | · | $-91M | $-86M | $-79M | · | $-98M | |
| Stockholders' Equity | $903M | $893M | $897M | $867M | $719M | $694M | $671M | $661M | $619M | $596M | $577M | $533M | $514M | $497M | $461M | $434M | |
| Liabilities + Equity | $6.87B | $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 | |
| Shares Outstanding | 50,938,962 | 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 |
Cash Flow
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $978.0K | |
| Stock-based Comp | $1M | $1M | $1M | $2M | $1M | $1M | $829.0K | $978.0K | $1M | $1M | $894.0K | $935.0K | $842.0K | $932.0K | $784.0K | $707.0K | |
| Amort. of Intangibles | $1M | $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 | |
| Other Non-cash | · | $8M | · | · | · | $-5M | · | · | · | $24M | · | · | · | $9M | · | · | |
| Operating Cash Flow | $29M | $37M | $44M | $36M | $24M | $18M | $24M | $48M | $12M | $47M | $29M | $82M | $-29M | $35M | $37M | $33M | |
| CapEx | $667.0K | $769.0K | $881.0K | $1M | $789.0K | $2M | $2M | $2M | $3M | $3M | $4M | $5M | $1M | $2M | $2M | $1M | |
| Investing Cash Flow | $-6M | $30M | $81M | $92M | $-90M | $77M | $259M | $-7M | $-23M | $94M | $37M | $75M | $92M | $-43M | $74M | $-157M | |
| Stock Repurchased | $16M | $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 | $4M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | · | · | $2M | $2M | |
| Financing Cash Flow | $6M | $-75M | $-118M | $-153M | $-48M | $62M | $-300M | $-46M | $34M | $-143M | $-75M | $-161M | $-53M | $-4M | $-112M | $-41M | |
| Net Change in Cash | $28M | $-8M | $8M | $-25M | $-114M | $157M | $-16M | $-5M | $23M | $-2M | $-9M | $-4M | $10M | $-12M | $-977.0K | $-165M | |
| Free Cash Flow | · | $36M | · | · | · | $16M | · | · | · | $44M | · | · | · | $33M | · | · | |
| Levered FCF | · | · | · | · | · | $8M | · | · | · | $34M | · | · | · | $29M | · | · |
Profitability
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.2% | 27.3% | · | 10.3% | 29.0% | 27.1% | · | 32.2% | 30.9% | 30.3% | · | 33.4% | 35.6% | 33.1% | · | 29.1% | |
| Pretax Margin | 39.2% | 36.3% | · | 13.6% | 38.9% | 35.8% | · | 41.9% | 41.2% | 40.6% | · | 44.6% | 48.7% | 44.8% | · | 39.6% | |
| EBITDA Margin | · | 1.8% | · | · | · | 1.9% | · | · | · | 1.9% | · | · | · | 1.5% | · | · | |
| ROA | 0.45% | 0.41% | · | 0.16% | 0.38% | 0.35% | · | 0.40% | 0.38% | 0.37% | · | 0.42% | 0.43% | 0.39% | · | 0.42% | |
| ROE | 3.5% | 3.2% | · | 1.3% | 3.3% | 3.1% | · | 3.8% | 3.9% | 3.9% | · | 5.0% | 5.3% | 4.9% | · | 5.2% |
Efficiency
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $17.72 | $17.29 | · | $16.46 | $15.95 | $15.42 | · | $14.75 | $13.81 | $13.29 | · | $11.92 | $11.51 | $11.12 | · | $9.73 | |
| Revenue / Share | $1.85 | $1.76 | · | $1.79 | $1.64 | $1.60 | · | $1.56 | $1.55 | $1.54 | · | $1.60 | $1.58 | $1.58 | · | $1.48 | |
| Cash Flow / Share | · | $0.69 | · | · | · | $0.39 | · | · | · | $1.04 | · | · | · | $0.77 | · | · | |
| Cash / Share | $2.81 | $2.24 | · | $2.21 | $3.15 | $5.69 | · | $2.58 | $2.70 | $2.19 | · | $2.44 | $2.52 | $2.31 | · | $2.61 | |
| Dividend / Share | $0.07 | $0.07 | $0.07 | $0.06 | $0.06 | $0.06 | $0.06 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | |
| EPS (TTM) | $1.73 | $1.67 | · | $1.51 | $1.83 | $1.83 | · | $1.85 | $1.89 | $1.97 | · | $2.14 | $2.03 | $1.74 | · | $0.63 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $381M | $360M | · | $317M | $293M | $288M | · | $282M | $284M | $285M | · | $289M | $283M | $266M | · | $216M | |
| Net Income TTM | $92M | $86M | · | $71M | $84M | $84M | · | $84M | $86M | $89M | · | $97M | $92M | $79M | · | $35M | |
| Market Cap | $1.19B | $1.04B | · | $911M | $799M | $750M | · | $699M | $664M | $621M | · | $608M | $583M | $628M | · | $582M | |
| P/E | 13.5 | 12.1 | · | 11.5 | 9.7 | 9.1 | · | 8.4 | 7.8 | 7.0 | · | 6.4 | 6.4 | 8.1 | · | 20.7 | |
| P/S | 3.1 | 2.9 | · | 2.9 | 2.7 | 2.6 | · | 2.5 | 2.3 | 2.2 | · | 2.1 | 2.1 | 2.4 | · | 2.7 | |
| P/B | 1.3 | 1.2 | · | 1.1 | 1.1 | 1.1 | · | 1.1 | 1.1 | 1.0 | · | 1.1 | 1.1 | 1.3 | · | 1.3 | |
| P / Tangible Book | 1.6 | 1.4 | · | 1.3 | 1.3 | 1.3 | · | 1.2 | 1.3 | 1.2 | · | 1.4 | 1.4 | 1.6 | · | 1.7 | |
| P / Cash Flow | · | 28.2 | · | · | · | 42.0 | · | · | · | 13.1 | · | · | · | 17.9 | · | · | |
| Dividend Yield | 1.2% | 1.3% | · | 1.2% | 1.3% | 1.3% | · | 1.3% | 1.4% | · | · | · | 1.5% | 1.4% | · | 1.4% | |
| Earnings Yield | 7.4% | 8.3% | · | 8.7% | 10.3% | 11.0% | · | 11.9% | 12.8% | 14.2% | · | 15.7% | 15.5% | 12.4% | · | 4.8% | |
| Payout Ratio | · | 14.4% | · | · | · | 13.6% | · | · | · | · | · | · | · | · | · | · | |
| Annual Payout | $14M | $13M | · | $11M | $10M | $10M | · | $9M | $9M | · | · | · | $9M | $9M | · | $8M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $118M | $121M | $104M | $93M | $29M |
Institutional owners (13F) 197 filers · $960.5M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
197
Value held
$960.5M
New positions
20
Exited positions
19
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 20 (-9 vs prior Q) | 19 (+3 vs prior Q) | 77 (+19 vs prior Q) | 45 (-16 vs prior Q) | +1.1M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $100,245,292 | 4,298,683 | 10.44% | Shares |
| VANGUARD GROUP INC | $63,928,567 | 3,278,388 | 6.66% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $58,268,836 | 2,498,671 | 6.07% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $50,834,732 | 2,179,877 | 5.29% | Shares |
| STATE STREET CORP | $42,887,045 | 1,839,202 | 4.47% | Shares |
| Davis Asset Management, L.P. | $41,976,000 | 1,800,000 | 4.37% | Shares |
| AMERICAN CENTURY COMPANIES INC | $41,598,684 | 1,783,820 | 4.33% | Shares |
| GOLDMAN SACHS GROUP INC | $37,891,548 | 1,624,852 | 3.95% | Shares |
| FJ Capital Management LLC | $34,056,831 | 1,460,413 | 3.55% | Shares |
| Boston Partners | $32,924,716 | 1,415,165 | 3.43% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $31,474,650 | 1,349,432 | 3.28% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $28,846,444 | 1,236,983 | 3.00% | Shares |
| BANC FUNDS CO LLC | $24,116,215 | 1,034,143 | 2.51% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $20,350,221 | 872,651 | 2.12% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $19,107,662 | 819,368 | 1.99% | Shares |
| Stieven Capital Advisors, L.P. | $19,013,449 | 815,328 | 1.98% | Shares |
| River Street Advisors LLC | $18,158,294 | 778,658 | 1.89% | Shares |
| NORTHERN TRUST CORP | $12,952,115 | 555,408 | 1.35% | Shares |
| ALLIANCEBERNSTEIN L.P. | $12,939,595 | 641,845 | 1.35% | Shares |
| JPMORGAN CHASE & CO | $12,895,522 | 555,602 | 1.34% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $12,694,125 | 544,345 | 1.32% | Shares |
| Nuveen, LLC | $11,477,218 | 492,162 | 1.19% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $10,571,492 | 453,323 | 1.10% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $10,058,009 | 431,304 | 1.05% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $9,006,974 | 386,234 | 0.94% | Shares |
| BANK OF AMERICA CORP /DE/ | $8,690,151 | 372,648 | 0.90% | Shares |
| Gator Capital Management, LLC | $8,388,904 | 359,730 | 0.87% | Shares |
| Bank of New York Mellon Corp | $7,975,752 | 342,013 | 0.83% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $7,956,784 | 341,200 | 0.83% | Shares |
| CONGRESS ASSET MANAGEMENT CO | $7,897,318 | 338,650 | 0.82% | Shares |
| MORGAN STANLEY | $7,423,207 | 318,318 | 0.77% | Shares |
| CITADEL ADVISORS LLC | $7,089,770 | 304,021 | 0.74% | Shares |
| FRANKLIN RESOURCES INC | $6,047,436 | 259,324 | 0.63% | Shares |
| Empowered Funds, LLC | $5,797,982 | 248,627 | 0.60% | Shares |
| Mariner, LLC | $5,254,044 | 225,303 | 0.55% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,914,573 | 210,745 | 0.51% | Shares |
| Forum Financial Management, LP | $4,796,302 | 205,673 | 0.50% | Shares |
| GREAT LAKES ADVISORS, LLC | $4,755,158 | 203,909 | 0.50% | Shares |
| TWO SIGMA INVESTMENTS, LP | $4,683,099 | 200,819 | 0.49% | Shares |
| Squarepoint Ops LLC | $3,915,055 | 167,884 | 0.41% | Shares |
| BLAIR WILLIAM & CO/IL | $3,806,470 | 163,228 | 0.40% | Shares |
| Siena Capital Partners GP, LLC | $3,805,307 | 163,038 | 0.40% | Shares |
| EJF Capital LP | $3,529,669 | 151,358 | 0.37% | Shares |
| UBS Group AG | $3,433,240 | 147,223 | 0.36% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $3,309,434 | 141,914 | 0.34% | Shares |
| Russell Investments Group, Ltd. | $3,148,432 | 135,010 | 0.33% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $3,018,937 | 129,457 | 0.31% | Shares |
| SEI INVESTMENTS CO | $2,743,974 | 117,666 | 0.29% | Shares |
| D. E. Shaw & Co., Inc. | $2,666,082 | 114,326 | 0.28% | Shares |
| Curi Capital, LLC | $2,343,777 | 100,505 | 0.24% | Shares |
Company insiders 34 insiders · 9 officers · 24 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James Eccher | CHAIRMAN AND CEO | Sept. 30, 2026 J | 33,590 | 0 | 2 | $-1,912,397 |
| Bradley S. Adams | CFO & COO | Sept. 30, 2026 J | 10,221 | 0 | 0 | $0 |
| Darin Patrick Campbell | President, Powersports Lending | Sept. 2, 2026 S | 250,589 | 0 | 5 | $-2,387,377 |
| Richard A Gartelmann JR | EVP | Sept. 30, 2026 J | 12,683 | 0 | 1 | $-41,960 |
| Donald Pilmer | EVP | Sept. 30, 2026 J | 4,048 | 0 | 1 | $-518,750 |
| Gary S Collins | VICE CHAIRMAN | Sept. 30, 2026 J | 7,125 | 0 | 7 | $-1,590,719 |
| Keith Gottschalk | EVP | Dec. 31, 2020 A | 1,116 | 0 | 0 | $0 |
| Rodney Sloan | Chief Risk Officer | June 30, 2010 A | 1,331 | 0 | 0 | $0 |
| James Benson | Chairman | Dec. 9, 2003 G | 58,098 | 0 | 0 | $0 |
| Hugh H Mclean | Director | Sept. 8, 2026 S | 135,351 | 0 | 2 | $-1,284,000 |
| Billy J Lyons Jr. | Director | Aug. 10, 2026 A | 20,117 | 1 | 0 | $502 |
| Keith Kotche | Director | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| John Williams JR | Director | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| Rocks Patti Temple | Director | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| Edward Bonifas | Director | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| John Ladowicz | Director | Jan. 15, 2026 S | 144,892 | 0 | 4 | $-599,735 |
| William B Skoglund | Director | July 25, 2023 D | 50,355 | 0 | 0 | $0 |
| James F Tapscott | Director | Feb. 21, 2023 A | · | 0 | 0 | $0 |
| William Kane | Director | Feb. 21, 2023 A | 60,510 | 0 | 0 | $0 |
| Duane Suits | Director | Feb. 15, 2022 A | 44,883 | 0 | 0 | $0 |
| Gerald Palmer | Director | Jan. 2, 2019 A | 60,189 | 0 | 0 | $0 |
| William J Meyer | Director | March 6, 2015 A | 132,618 | 0 | 0 | $0 |
| James C Schmitz | Director | March 6, 2015 A | 56,996 | 0 | 0 | $0 |
| Chet D Mckee | Director | Jan. 19, 2010 A | 6,076 | 0 | 0 | $0 |
| Marvin Fagel | Director | Jan. 19, 2010 A | 67,471 | 0 | 0 | $0 |
| Kenneth Lindgren | Director | Sept. 2, 2009 M | 52,796 | 0 | 0 | $0 |
| Mary E Krasner | Director | May 8, 2009 P | 6,259 | 0 | 0 | $0 |
| Jesse Maberry | Director | Dec. 18, 2007 A | 35,087 | 0 | 0 | $0 |
| Christine J Sobek | Director | Dec. 20, 2005 A | 150 | 0 | 0 | $0 |
| Barry Finn | · | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| Jill E York | · | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| Dennis L Klaeser | · | Feb. 21, 2026 F | 10,595 | 0 | 0 | $0 |
| Douglas J Cheatham | · | June 30, 2017 A | 38,779 | 0 | 0 | $0 |
| Walter Alexander | · | Dec. 21, 2004 A | · | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 32 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.31% | 173,390 SH | Sept. 11, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.20% | 34,438 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.08% | 261,820 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.08% | 29,529 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.07% | 41,011 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.05% | 281,794 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.05% | 5,096 SH | Oct. 2, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.05% | 49,185 SH | Oct. 2, 2026 | Daily |
| IWM · iShares Trust | 0.04% | 1,308,373 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.04% | 24,282 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.04% | 292,308 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.03% | 172,517 NS | July 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 13,473 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 3,091 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.01% | 2,200 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 593,213 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 80,934 SH | Aug. 19, 2026 | Daily |
| TILT · FlexShares Trust | 0.01% | 6,636 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.01% | 121,384 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.01% | 35,496 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 3,322 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4,883 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 13,109 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 84,083 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 15,475 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 12,262 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,535,474 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 3,816 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 3,950 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 446,167 SH | Sept. 11, 2026 | Daily |
| ISCB · iShares Trust | · | 2,177 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 11,562 SH | Sept. 11, 2026 | Daily |
OSBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 12 analysts
BUY
Median target
$27.00
+8.2%
3 25.0%
Strong Buy
7 58.3%
Buy
2 16.7%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
6 analysts · 2026-09-29Mean target $27.50 +10.2%
← Below all targets
Current price $24.95
Low$25.00
Mean$27.50
High$30.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| 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% | · |
| PEBO | · | 10.0 | 2.3% | 123.1% | 9.0% | · |
| WABC | $1.18B | 10.6 | -12.2% | 45.0% | 12.5% | · |
| FMBH | $935M | 10.2 | 7.4% | 26.3% | 9.9% | · |
| HBT | $813M | 10.6 | 5.6% | 32.5% | 12.9% | · |
| PFBC | · | · | · | · | · | · |
| THFF | $718M | 9.0 | 20.2% | 30.2% | 12.8% | · |
| AMTB | · | 15.5 | 30.8% | 11.9% | 5.6% | · |
| HFWA | $803M | 12.1 | 13.5% | 27.4% | 7.5% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 6, 2026