OSBC Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

82.49M

+33.18%

0.537

+21.97%

80.70M

+27.59%

0.510

+13.33%

82.17M

+27.26%

0.533

+6.67%

Estimates Revision

The market is revising Upward the revenue expectations for Old Second Bancorp, Inc. (OSBC) for FY2025, with the revenue forecasts being adjusted by 1.42% over the past three months. During the same period, the stock price has changed by 14.73%.

Revenue Estimates for FY2025

Revise Upward

+1.42%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+2.89%

In Past 3 Month

Stock Price

Go Up

+14.73%

In Past 3 Month

4 Analyst Rating

Wall Street analysts forecast OSBC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OSBC is 21.63 USD with a low forecast of 19.00 USD and a high forecast of 24.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

3 Buy

1 Hold

0 Sell

Strong Buy

Current: 0.000

Low

19.00

Averages

21.63

High

24.50

Current: 0.000

Low

19.00

Averages

21.63

High

24.50

Keefe Bruyette

Outperform

maintain

$22 -> $23

2025-10-24

Reason

Keefe Bruyette

Price Target

$22 -> $23

2025-10-24

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on Old Second Bancorp to $23 from $22 and keeps an Outperform rating on the shares. The firm views the post-earnings share selloff as an overreaction considering both results and guidance were in line with consensus.

DA Davidson

Jeff Rulis

Neutral

maintain

$17 -> $19

2025-07-25

Reason

DA Davidson

Jeff Rulis

Price Target

$17 -> $19

2025-07-25

maintain

Neutral

Reason

DA Davidson analyst Jeff Rulis raised the firm's price target on Old Second Bancorp to $19 from $17 and keeps a Neutral rating on the shares. A return to loan growth is welcomed, as is a much more moderate net charge-off level, the analyst tells investors in a research note.

Piper Sandler

Overweight

maintain

$22

2025-07-02

Reason

Piper Sandler

Price Target

$22

2025-07-02

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on Old Second Bancorp to $24.50 from $22 and keeps an Overweight rating on the shares following the recent closing of its Bancorp Financial acquisition. The firm believes this acquisition enhances Old Second Bancorp's growth prospects via EBG's powersport lending niche, while also reducing the company's asset sensitivity in supporting a more durable and well-above average through-the-cycle net interest margin. Piper also expects credit metrics to improve going forward following the recent resolution of its largest OREO properties and with specific reserves at its lowest level in 3.5 years.

Stephens

Terry McEvoy

Overweight

downgrade

$22 -> $20

2025-04-25

Reason

Stephens

Terry McEvoy

Price Target

$22 -> $20

2025-04-25

downgrade

Overweight

Reason

Stephens analyst Terry McEvoy lowered the firm's price target on Old Second Bancorp to $20 from $22 and keeps an Overweight rating on the shares. Old Second "proved to the market they could grow net interest income" in Q1, with the net interest margin expanding 20 basis points quarter-over-quarter to 4.88%, the analyst tells investors in a post-earnings note.

Keefe Bruyette

Outperform

downgrade

$24 -> $22

2025-04-25

Reason

Keefe Bruyette

Price Target

$24 -> $22

2025-04-25

downgrade

Outperform

Reason

Keefe Bruyette lowered the firm's price target on Old Second Bancorp to $22 from $24 and keeps an Outperform rating on the shares.

Raymond James

Strong Buy

downgrade

$22 -> $21

2025-04-25

Reason

Raymond James

Price Target

$22 -> $21

2025-04-25

downgrade

Strong Buy

Reason

Raymond James lowered the firm's price target on Old Second Bancorp to $21 from $22 and keeps a Strong Buy rating on the shares. The quarter was highlighted by the unexpectedly robust net interest margin expansion as well as the continued clean up of its credit issues, and while losses were elevated, the bank continues to make progress on reducing risk, the analyst tells investors in a research note. The firm believes Old Second will continue to expand its franchise and produce superior profitability metrics.

Valuation Metrics

The current forward P/E ratio for Old Second Bancorp Inc (OSBC.O) is 9.12, compared to its 5-year average forward P/E of 8.96. For a more detailed relative valuation and DCF analysis to assess Old Second Bancorp Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

5Y Average PE

8.96

Current PE

9.12

Overvalued PE

10.87

Undervalued PE

7.06

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

5Y Average PS

2.89

Current PS

3.12

Overvalued PS

3.32

Undervalued PS

2.45

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

OSBC News & Events

Events Timeline

No data

News

8.0

2025-10-29NASDAQ.COM

Upcoming Ex-Dividend Dates for Burford Capital, Old Second Bancorp, and AGNC Investment

9.5

2025-10-23NASDAQ.COM

Old Second Bancorp (OSBC) Releases Q3 Earnings: Insights from Key Metrics

4.0

2025-07-25Benzinga

DA Davidson Maintains Neutral on Old Second Bancorp, Raises Price Target to $19

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Frequently Asked Questions

What is Old Second Bancorp Inc (OSBC) stock price today?

The current price of OSBC is 19.78 USD — it has decreased -2.42 % in the last trading day.

What is Old Second Bancorp Inc (OSBC)'s business?

Old Second Bancorp, Inc. is a financial services company. The Company is the holding company of Old Second National Bank (the Bank). The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. It also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. It provides a variety of additional services to the needs of individual customers, such as money orders, cashiers' checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides a complement of electronic banking services, such as online and mobile banking and corporate cash management products.

What is the price predicton of OSBC Stock?

What is Old Second Bancorp Inc (OSBC)'s revenue for the last quarter?

Old Second Bancorp Inc revenue for the last quarter amounts to 88.95M USD, increased 31.35 % YoY.

What is Old Second Bancorp Inc (OSBC)'s earnings per share (EPS) for the last quarter?

Old Second Bancorp Inc. EPS for the last quarter amounts to 0.18 USD, decreased -64.00 % YoY.

What changes have occurred in the market's expectations for Old Second Bancorp Inc (OSBC)'s fundamentals?

How many employees does Old Second Bancorp Inc (OSBC). have?

Old Second Bancorp Inc (OSBC) has 877 emplpoyees as of January 11 2026.

What is Old Second Bancorp Inc (OSBC) market cap?

Today OSBC has the market capitalization of 1.04B USD.