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OSBC Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
21.400
Open
21.220
VWAP
21.25
Vol
282.97K
Mkt Cap
1.08B
Low
21.140
Amount
6.01M
EV/EBITDA(TTM)
10.37
Total Shares
51.43M
EV
1.36B
EV/OCF(TTM)
--
P/S(TTM)
3.18
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.
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Events Timeline

(ET)
2026-04-22
16:50:00
Old Second Reports Q1 Revenue of $93.7M, Beating Expectations
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2026-01-21 (ET)
2026-01-21
17:10:00
Old Second Reports Q4 Net Interest and Dividend Income of $83.1M
select
2025-10-22 (ET)
2025-10-22
16:33:29
Old Second Bancorp announces Q3 adjusted EPS of 52 cents, surpassing consensus estimate of 51 cents.
select
2025-10-20 (ET)
2025-10-20
09:10:17
Old Second Bancorp Finalizes Merger with Evergreen Bank Group
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News

Yahoo Finance
6.5
05-22Yahoo Finance
Analysis of Opportunities and Risks in Small-Cap Stocks
  • Lindblad Expeditions Outlook: Lindblad Expeditions (LIND) has shown a lackluster annual revenue growth of 17.4% over the past two years, indicating a loss of market share, while its forward P/E ratio of 76.9 suggests potential overvaluation risks.
  • Capital Southwest Financial Strain: Capital Southwest (CSWC) has experienced a 6.3% annual decline in earnings per share over the last two years, despite revenue growth, and its 7x net-debt-to-EBITDA ratio indicates over-leverage, increasing the risk of shareholder dilution.
  • Old Second Bancorp Growth Potential: Old Second Bancorp (OSBC) has achieved an impressive 21.5% annual revenue growth over the past five years, with net interest income growth of 27.4%, indicating significant market share gains, and its current P/B ratio of 1.1x suggests investment attractiveness.
  • Small-Cap Investment Strategy: While small-cap stocks present mispricing opportunities due to limited analyst coverage, the financial challenges faced by companies like LIND and CSWC necessitate cautious selection, with a recommendation to focus on outperformers like OSBC for better investment returns.
seekingalpha
9.5
04-24seekingalpha
Old Second Bancorp Q1 2026 Earnings Call Insights
  • Financial Performance Overview: In Q1 2026, Old Second Bancorp reported a net income of $25.6 million, translating to $0.48 per diluted share and a return on assets of 1.51%, despite facing $9.8 million in net loan charge-offs, demonstrating resilience in profitability.
  • Impact of Loan Charge-Offs: The quarter's loan charge-offs included a $3.9 million commercial real estate charge-off linked to an office property in downtown Chicago, alongside $1.3 million in industrial loan charge-offs and $3.9 million from the Powersports business, reflecting the impact of market uncertainties on credit quality.
  • Net Interest Income Growth: Compared to the prior year, net interest income increased by $18 million or 29%, with a net interest margin of 5.14%, as the company reduced reliance on wholesale funding, showcasing adaptability in a declining interest rate environment.
  • Stock Buyback Program: The company repurchased 1.2 million shares at an average price of $19.63 during the quarter and plans to continue this buyback under the existing authorization, indicating management's confidence in the company's future performance.
seekingalpha
8.0
04-23seekingalpha
Old Second Bancorp Declares Quarterly Dividend of $0.07
  • Quarterly Dividend Announcement: Old Second Bancorp has declared a quarterly dividend of $0.07 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability.
  • Yield Information: The forward yield of 1.32% reflects the company's attractiveness in the current market environment, potentially appealing to investors seeking stable income.
  • Payment Schedule: The dividend will be payable on May 11, with a record date of May 1 and an ex-dividend date also on May 1, providing investors with a clear timeline for their investment decisions.
  • Financial Transparency: Old Second Bancorp offers its dividend scorecard, yield chart, and historical earnings data, enhancing investor confidence in the company's financial health and increasing market interest in its stock.
seekingalpha
9.5
04-22seekingalpha
Old Second Bancorp Q1 Earnings Highlights
  • Earnings Per Share: Old Second Bancorp reported a Q1 GAAP EPS of $0.48, indicating stable profitability amidst market challenges, which may positively influence investor confidence.
  • Revenue Performance: The company achieved revenues of $93.77 million, demonstrating resilience in maintaining strong income levels despite the current economic environment, which is crucial for sustaining operations.
  • Financial Health: An analysis of Old Second Bancorp's financial information reveals a robust balance sheet, providing a solid foundation for future growth and shareholder returns, which is essential for long-term strategic planning.
  • Dividend Commitment: The dividend scorecard for Old Second Bancorp highlights the company's commitment to returning value to shareholders, and while specific dividend data is not disclosed, its ongoing profitability supports future dividend potential.
seekingalpha
9.5
01-22seekingalpha
Old Second Bancorp (OSBC) Reports Q4 2025 Net Income of $28.8 Million with 1.64% ROA
  • Strong Financial Performance: Old Second Bancorp reported a net income of $28.8 million for Q4 2025, translating to $0.54 per diluted share, with adjusted net income at $30.8 million or $0.58 per share, despite facing a $428,000 loss on mortgage servicing rights and $2.5 million in acquisition-related expenses, showcasing resilience under challenging conditions.
  • Improved Asset Quality: The tangible book value per share increased by 61 basis points to $14.12, and the tangible equity ratio rose from 10.41% to 11.02%, indicating robust capital management that enhances financial stability and competitive positioning in the market.
  • Sustained Strong Margin: The net interest margin for Q4 stood at 5.09%, a 4 basis point improvement from the previous quarter, reflecting ongoing growth in interest income and further solidifying the company's profitability in the industry.
  • Loan Growth Outlook: Management anticipates mid-single-digit loan growth for 2026, despite a decrease of $12.4 million in total loans, maintaining strong confidence in future performance and plans to initiate share repurchases soon, emphasizing a commitment to shareholder returns.
seekingalpha
9.5
01-21seekingalpha
Old Second Bancorp (OSBC) Q4 EPS Beats Expectations with 30.1% Revenue Growth
  • Earnings Beat: Old Second Bancorp reported a Q4 non-GAAP EPS of $0.58, exceeding expectations by $0.04, indicating a sustained enhancement in the company's profitability.
  • Significant Revenue Growth: The company achieved Q4 revenue of $95.2 million, reflecting a year-over-year increase of 30.1%, surpassing analyst expectations by $12.75 million and showcasing successful business expansion.
  • Positive Market Reaction: The strong earnings and revenue performance have generated significant buying interest in Old Second Bancorp's stock, potentially driving an upward movement in share price.
  • Strong Financial Health: The continuous revenue growth and improved profitability suggest robust operations in the current economic environment, laying a solid foundation for future investments and expansion.
Wall Street analysts forecast OSBC stock price to rise
4 Analyst Rating
Wall Street analysts forecast OSBC stock price to rise
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
19.00
Averages
21.63
High
24.50
Current: 0.000
sliders
Low
19.00
Averages
21.63
High
24.50
Piper Sandler
Overweight
downgrade
$26 -> $25
AI Analysis
2026-04-27
Reason
Piper Sandler
Price Target
$26 -> $25
AI Analysis
2026-04-27
downgrade
Overweight
Reason
Piper Sandler lowered the firm's price target on Old Second Bancorp to $25 from $26 and keeps an Overweight rating on the shares. Following 1.5 weeks of Q1 earnings season, results across the firm's Midwest coverage have been broadly constructive with 5% median EPS upside and Piper's estimates generally moving slightly higher.
Stephens
initiated
$23
2026-03-27
Reason
Stephens
Price Target
$23
2026-03-27
initiated
Reason
Stephens assumed coverage of Old Second Bancorp with an Overweight rating and $23 price target. Old Second's net interest margin finished out 2025 above 5%, notes the analyst, who calls this "a level we'd expect holds into 2026."
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Valuation Metrics

The current forward P/E ratio for Old Second Bancorp, Inc (OSBC.O) is 8.60, compared to its 5-year average forward P/E of 8.75. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.75
Current PE
8.60
Overvalued PE
10.50
Undervalued PE
7.00

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.85
Current EV/EBITDA
8.90
Overvalued EV/EBITDA
3.78
Undervalued EV/EBITDA
-2.08

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.85
Current PS
3.22
Overvalued PS
3.22
Undervalued PS
2.47

Financials

AI Analysis
Annual
Quarterly

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Whales Holding OSBC

K
Kennedy Capital Management LLC
Holding
OSBC
+3.77%
3M Return
D
Davis Capital Partners, LLC
Holding
OSBC
-0.31%
3M Return

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Frequently Asked Questions

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

The current price of OSBC is 21.22 USD — it has increased 0.66

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?

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 is21.63 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.

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

Old Second Bancorp, Inc revenue for the last quarter amounts to 89.66M USD, increased 27.48

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 0.48 USD, increased 11.63

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

Old Second Bancorp, Inc (OSBC) has 1062 emplpoyees as of May 28 2026.

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

Today OSBC has the market capitalization of 1.08B USD.