Old Second Bancorp (OSBC)
NASDAQ:OSBC
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OSBC Stock Chart & Stats
$21.93
$0.04(0.23%)
At close: 4:00 PM EST
$21.93
$0.04(0.23%)
Day’s Range― - ―
52-Week Range$16.43 - $23.55
Previous CloseN/A
Volume30.68K
Average Volume (3M)338.24K
Market Cap
$1.20B
Enterprise Value$1.39B
Total Cash (Recent Filing)$48.10M
Total Debt (Recent Filing)$323.31M
Price to Earnings (P/E)13.7
Beta0.80
Next Earnings
Jul 22, 2026EPS Estimate
0.55Next Dividend Ex-DateN/A
Dividend Yield1.24%
Share Statistics
EPS (TTM)1.71
Shares Outstanding51,432,373
10 Day Avg. Volume310,798
30 Day Avg. Volume338,243
Financial Highlights & Ratios
PEG Ratio-0.87
Price to Book (P/B)1.15
Price to Sales (P/S)2.59
P/FCF Ratio8.72
Enterprise Value/Market Cap1.16
Enterprise Value/Revenue3.26
Enterprise Value/Gross Profit4.27
Enterprise Value/Ebitda10.82
Forecast
1Y Price Target
$24.50Price Target Upside11.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.17
Revenue Forecast (FY)$381.65M
Bulls Say, Bears Say
Bulls Say
Asset QualityOSBC has successfully reduced non-performing assets by nearly 30% and narrowed net charge-offs since peak levels.
Net Interest MarginOSBC's current NIM of 4.63% is over 100bp above small and mid cap peers, so despite greater than previously assumed NIM headwinds, margin at OSBC is still a relative strength.
Profitability MetricsThe bank's conservative credit approach, superior deposit franchise and above peer profitability metrics remain intact.
Bears Say
Asset SensitivityDowngrading shares of OSBC to NEUTRAL, predominantly based on the bank's less favorable asset sensitive balance sheet position.
Credit EnvironmentCredit progress and deposit strength catalysts are likely to be overlooked or minimized should the market's attention turn to 'risk-on' credit names and/or banks with a greater ability to lower deposit costs.
Earnings OutlookLowering earnings outlook for OSBC to reflect added NIM pressure tied to the Fed's more aggressive rate cut path.
Old Second Bancorp News
OSBC FAQ
What was Old Second Bancorp’s price range in the past 12 months?
Old Second Bancorp lowest stock price was $16.43 and its highest was $23.55 in the past 12 months.
What is Old Second Bancorp’s market cap?
Old Second Bancorp’s market cap is $1.20B.
When is Old Second Bancorp’s upcoming earnings report date?
Old Second Bancorp’s upcoming earnings report date is Jul 22, 2026 which is in 24 days.
How were Old Second Bancorp’s earnings last quarter?
Old Second Bancorp released its earnings results on Apr 22, 2026. The company reported $0.48 earnings per share for the quarter, missing the consensus estimate of $0.514 by -$0.034.
Is Old Second Bancorp overvalued?
According to Wall Street analysts Old Second Bancorp’s price is currently Undervalued.
Does Old Second Bancorp pay dividends?
Old Second Bancorp pays a Quarterly dividend of $0.07 which represents an annual dividend yield of 1.24%. See more information on Old Second Bancorp dividends here
What is Old Second Bancorp’s EPS estimate?
Old Second Bancorp’s EPS estimate is 0.55.
How many shares outstanding does Old Second Bancorp have?
Old Second Bancorp has 51,432,373 shares outstanding.
What happened to Old Second Bancorp’s price movement after its last earnings report?
Old Second Bancorp reported an EPS of $0.48 in its last earnings report, missing expectations of $0.514. Following the earnings report the stock price went down -6.411%.
Which hedge fund is a major shareholder of Old Second Bancorp?
Currently, no hedge funds are holding shares in OSBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Old Second Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$24.50 (11.72% Upside)
$24.50 (11.72% Upside)
Hedge Fund Trend
Increased
By 2.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.2M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.59%
12-Months-Change
Fundamentals
Return on Equity
10.20%
Trailing 12-Months
Asset Growth
19.58%
Trailing 12-Months
Company Description
Old Second Bancorp
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
OSBC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a generally positive underlying performance — strong margin (5.14% NIM), solid earnings power (GAAP and adjusted EPS, ROTCE 14.2%), disciplined expense control, tangible book value and capital flexibility with active buybacks — tempered by near‑term credit challenges. Asset quality softened during the quarter (notably $9.8M in charge‑offs, a ~50% valuation reduction on one office CRE property, and an uptick in nonperforming loans), leading to higher provisions. Management expects charge‑off pressure in powersports to moderate seasonally, targets low‑ to mid‑single‑digit loan growth for the year, anticipates NIM drifting toward ~5% later in the year, and plans continued share repurchases while keeping capital ample. Overall, the positives (margin, profitability, capital returns, expense control, and balance sheet flexibility) outweigh the credit‑related setbacks, which management views as largely idiosyncratic and manageable.View all OSBC earnings summariesOSBC Stock 12 Month Forecast
Average Price Target
$24.50
▲(11.72% Upside)
Technical Analysis
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Ownership Overview
4.85% Insiders
16.90% Mutual Funds
19.38% Other Institutional Investors
41.55% Public Companies and
Individual Investors