OSBC Should I Buy
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Old Second Bancorp Inc (OSBC) is a good buy for a beginner investor with a long-term focus and $50,000-$100,000 available for investment. The company's strong financial performance in Q4 2025, with significant revenue and net income growth, coupled with a positive long-term growth outlook, outweighs the lack of immediate trading signals and neutral sentiment from hedge funds and insiders. The technical indicators suggest a stable price trend, and the stock has a favorable probability of growth in the next month.
The MACD is positively expanding, indicating bullish momentum. RSI is neutral at 54.895, suggesting no overbought or oversold conditions. The stock is trading near its pivot level of 19.603, with resistance at 19.969 and support at 19.236. Overall, the technical indicators suggest stability with potential for upward movement.
Strong Q4 2025 financial performance with 32.62% YoY revenue growth and 50.64% YoY net income growth.
Analyst price target raised to $23, indicating potential upside from the current pre-market price of $19.
Long-term growth outlook expected to inflect higher in 2026 with sound cost control.
Elevated non-performing asset balance compared to peers, which could pose a risk.
Neutral sentiment from hedge funds and insiders, with no significant trading trends.
In Q4 2025, Old Second Bancorp reported revenue of $91.26 million, up 32.62% YoY, and net income of $28.79 million, up 50.64% YoY. EPS increased to $0.54, up 28.57% YoY, demonstrating strong profitability and growth.
DA Davidson raised the price target to $23 from $22, maintaining a Neutral rating. The firm highlighted strong net interest margins but noted elevated non-performing assets as a concern. Growth is expected to improve in 2026 with sound cost control.
