OSBCOLD SECOND BANCORP INC
State Commercial Banks
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
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- $325M net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear152% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear16% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $20M | $67M | $92M | $85M | $80M | 5.8% |
| Operating cash flow | $31M | $97M | $116M | $132M | $122M | 7.0% |
| Capex | $2M | $4M | $12M | $11M | $5M | 58% |
| Stock-based comp | $1M | $3M | $4M | $4M | $6M | 42% |
| Buybacks | $10M | $455K | $605K | $1M | $7M | 607% |
| Dividends | $5M | $9M | $9M | $9M | $12M | 30% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $2M · 4
- Net
- −$2M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 107 | 96 |
| FY2024 | $3M | $3M | 86 | 48 |
| FY2023 | $2M | $2M | 20 | -3 |
| FY2022 | $2M | $2M | 23 | -2 |
| FY2021 | $2M | $2M | -5 | 24 |