OSBC Should I Buy
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Old Second Bancorp Inc (OSBC) is not a strong buy at the moment for a beginner, long-term investor with $50,000-$100,000 available. While the company shows strong financial performance and analysts have a positive outlook with a price target of $23, the lack of recent positive trading signals, elevated non-performing asset balances, and a potential for short-term price decline make it prudent to hold off on buying right now.
The MACD is positive but contracting, indicating a weakening bullish momentum. RSI is neutral at 76.024, and moving averages are bullish (SMA_5 > SMA_20 > SMA_200). The stock is trading near its resistance level (R1: 21.71) with a pre-market price of 21.57, suggesting limited immediate upside potential.
Strong financial performance in Q4 2025, with revenue up 32.62% YoY, net income up 50.64% YoY, and EPS up 28.57% YoY. Analysts have a positive outlook with a price target of $23 and note a strong net interest margin above 5%.
No recent news or significant trading trends from hedge funds or insiders. Elevated non-performing asset balances compared to peers and a potential for short-term price decline (-5.94% in the next week, -6.41% in the next month).
In Q4 2025, the company reported strong growth: Revenue increased by 32.62% YoY to $91.26M, net income rose by 50.64% YoY to $28.79M, and EPS increased by 28.57% YoY to $0.54.
Analysts are moderately positive. Stephens rates the stock as Overweight with a $23 price target, citing a strong net interest margin. DA Davidson raised the price target from $22 to $23 but maintains a Neutral rating, highlighting concerns about elevated non-performing assets.
