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Old Second Bancorp Inc (OSBC) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance in Q4 2025, coupled with bullish technical indicators and a stable options sentiment, supports this conclusion. While there are no immediate AI Stock Picker or SwingMax signals, the overall outlook is positive for long-term growth.
The stock exhibits bullish technical indicators with SMA_5 > SMA_20 > SMA_200, a positive MACD histogram, and neutral RSI (47.137). The stock is trading near its pivot level of 20.51, with support at 19.86 and resistance at 21.159. This suggests a stable price trend with potential for upward movement.

Strong Q4 2025 financial performance: Revenue up 32.55% YoY, Net Income up 50.64% YoY, and EPS up 28.57% YoY.
Bullish technical indicators.
Analyst price target raised to $23, indicating potential upside.
Elevated non-performing asset balance compared to peers, as noted by analysts.
Neutral sentiment from hedge funds and insiders with no significant trading trends.
In Q4 2025, Old Second Bancorp reported a 32.55% YoY increase in revenue, a 50.64% YoY increase in net income, and a 28.57% YoY increase in EPS. This indicates strong growth and profitability.
DA Davidson raised the price target to $23 from $22 while maintaining a Neutral rating. Analysts highlight the benefits of the Evergreen acquisition, including a strong 5.00% net interest margin, but caution about elevated non-performing assets.