OSBC

Old Second Bancorp Inc

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Advanced Chart

17.670

-0.11(-0.619%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

17.730

Open

17.695

VWAP

17.66

Vol

60.10K

Mkt Cap

930.25M

Low

17.560

Amount

1.06M

EV/EBITDA(TTM)

8.16

Total Shares

44.85M

1.04B

EV/OCF(TTM)

13.25

P/S(TTM)

3.04

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

77.65M

+28.18%

0.510

80.65M

+30.22%

0.505

+14.77%

76.90M

+21.58%

0.500

+11.11%

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 0.74% over the past three months. During the same period, the stock price has changed by 13.49%.

Revenue Estimates for FY2025

Revise Upward

+0.74%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.22%

In Past 3 Month

Stock Price

Go Up

+13.49%

In Past 3 Month

5 Analyst Rating

18.28% Upside

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 20.90 USD with a low forecast of 17.00 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.

4 Buy

1 Hold

0 Sell

Strong Buy

18.28% Upside

Current: 17.670

Low

17.00

Averages

20.90

High

24.50

18.28% Upside

Current: 17.670

Low

17.00

Averages

20.90

High

24.50

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.

Keefe, Bruyette & Woods

Christopher Mcgratty

Buy

Maintains

$22 → $24

2025-02-27

Reason

Keefe, Bruyette & Woods

Christopher Mcgratty

Price Target

$22 → $24

2025-02-27

Maintains

Buy

Reason

Keefe Bruyette raised the firm's price target on Old Second Bancorp to $24 from $22 and keeps an Outperform rating on the shares. Old Second Bancorp remains a top small-cap idea, the analyst tells investors in a research note.

Stephens & Co.

Terry McEvoy

Buy

Maintains

$21 → $22

2025-02-26

Reason

Stephens & Co.

Terry McEvoy

Price Target

$21 → $22

2025-02-26

Maintains

Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Old Second Bancorp Inc (OSBC.O) is 9.60, compared to its 5-year average forward P/E of 9.08. 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.

Fair

5Y Average PE

9.08

Current PE

9.60

Overvalued PE

11.01

Undervalued PE

7.15

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.

Fair

5Y Average PS

2.88

Current PS

2.82

Overvalued PS

3.32

Undervalued PS

2.43