OSBC (Old Second Bancorp) Cyclically Adjusted Revenue per Share: $5.72 (As of Mar. 2026)


OSBC Old Second Bancorp Inc OSBC
69 GF Score
Price $23.24
GF Value $18.69
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Old Second Bancorp Cyclically Adjusted Revenue per Share?

Old Second Bancorp OSBC -1.69% 69 Cyclically Adjusted Revenue per Share is $5.72 as of Mar. 2026. GuruFocus rates OSBC with a GF Score™ of 69/100 and a GF Value™ of $18.69 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Old Second Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was $1.731. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $5.72 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Old Second Bancorp's average Cyclically Adjusted Revenue Growth Rate was 9.00% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.50% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 2.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was -3.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Old Second Bancorp was 11.90% per year. The lowest was -9.10% per year. And the median was 1.90% per year.

As of today (2026-07-05), Old Second Bancorp's current stock price is $23.24. Old Second Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $5.72. Old Second Bancorp's Cyclically Adjusted PS Ratio of today is 4.06.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Old Second Bancorp was 4.09. The lowest was 0.94. And the median was 2.52.


Old Second Bancorp  (NAS:OSBC) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Old Second Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=23.24/5.72
=4.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Old Second Bancorp was 4.09. The lowest was 0.94. And the median was 2.52.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Old Second Bancorp Cyclically Adjusted Revenue per Share Related Terms


Old Second Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Old Second Bancorp's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Old Second Bancorp Cyclically Adjusted Revenue per Share Chart

Old Second Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.85 4.85 4.85 5.13 5.54

Old Second Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.25 5.35 5.47 5.54 5.72

OSBC vs HFWA, CCB, UVSP: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Old Second Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Old Second Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Old Second Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Old Second Bancorp's Cyclically Adjusted PS Ratio falls into.


OSBC
69GF Score
Old Second Bancorp Inc OSBC
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Old Second Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Old Second Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.731/330.2130*330.2130
=1.731

Current CPI (Mar. 2026) = 330.2130.

Old Second Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.738 241.018 1.011
201609 0.723 241.428 0.989
201612 0.868 241.432 1.187
201703 0.809 243.801 1.096
201706 0.852 244.955 1.149
201709 0.892 246.819 1.193
201712 0.906 246.524 1.214
201803 0.939 249.554 1.242
201806 1.037 251.989 1.359
201809 1.050 252.439 1.373
201812 0.928 251.233 1.220
201903 1.011 254.202 1.313
201906 1.067 256.143 1.376
201909 1.210 256.759 1.556
201912 0.994 256.974 1.277
202003 0.950 258.115 1.215
202006 1.110 257.797 1.422
202009 1.138 260.280 1.444
202012 1.016 260.474 1.288
202103 1.172 264.877 1.461
202106 0.996 271.696 1.211
202109 1.071 274.310 1.289
202112 1.118 278.802 1.324
202203 1.199 287.504 1.377
202206 1.181 296.311 1.316
202209 1.451 296.808 1.614
202212 1.586 296.797 1.765
202303 1.550 301.836 1.696
202306 1.554 305.109 1.682
202309 1.602 307.789 1.719
202312 1.535 306.746 1.652
202403 1.516 312.332 1.603
202406 1.521 314.175 1.599
202409 1.554 315.301 1.627
202412 1.598 315.605 1.672
202503 1.569 319.799 1.620
202506 1.607 322.561 1.645
202509 1.787 324.800 1.817
202512 1.775 324.054 1.809
202603 1.731 330.213 1.731

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $5.72 mean?
Old Second Bancorp (OSBC) has a Cyclically Adjusted Revenue per Share of $5.72 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Old Second Bancorp and its competitors.
Is Old Second Bancorp's Cyclically Adjusted Revenue per Share too high?
Old Second Bancorp's current Cyclically Adjusted Revenue per Share is $5.72. Overall, Old Second Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Cyclically Adjusted Revenue per Share compare to HFWA and CCB?
Old Second Bancorp's Cyclically Adjusted Revenue per Share of $5.72 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Old Second Bancorp and its competitors. Old Second Bancorp's current Cyclically Adjusted Revenue per Share is $5.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old Second Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Old Second Bancorp (OSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.69, compared to a current price of $23.24 — trading 24.3% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $5.72. Old Second Bancorp's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current Cyclically Adjusted Revenue per Share is $5.72 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Old Second Bancorp (OSBC) Overvalued in 2026?

Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued. The current stock price of $23.24 is trading 24.3% above its estimated GF Value™ of $18.69. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

  • Cyclically Adjusted Revenue per Share: $5.72
  • GF Value™: $18.69 vs. price of $23.24 (24.3% above fair value)
  • GF Score™: 69/100 with 7 warning signs

No single metric tells the full story. See the OSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Old Second Bancorp Business Description

Address 37 South River Street, Aurora, IL, USA, 60507
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
69GF Score

Get the complete analysis for OSBC

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.24
Price
$18.69
GF Value