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Old Second Bancorp (OSBC)
NASDAQ:OSBC
OSBC Stock Chart & Stats
$20.53
$0.04(0.23%)
At close: 4:00 PM EST
$20.53
$0.04(0.23%)
Day’s Range― - ―
52-Week Range$14.14 - $20.71
Previous CloseN/A
Volume30.68K
Average Volume (3M)338.24K
Market Cap
$1.08B
Enterprise Value$882.24M
Total Cash (Recent Filing)$938.59M
Total Debt (Recent Filing)$289.41M
Price to Earnings (P/E)13.6
Beta0.70
Next Earnings
Jan 28, 2026EPS Estimate
0.5Next Dividend Ex-DateN/A
Dividend Yield1.22%
Share Statistics
EPS (TTM)0.18
Shares Outstanding52,669,224
10 Day Avg. Volume310,798
30 Day Avg. Volume338,243
Financial Highlights & Ratios
PEG Ratio-1.28
Price to Book (P/B)1.19
Price to Sales (P/S)2.37
P/FCF Ratio6.60
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue2.40
Enterprise Value/Gross Profit3.12
Enterprise Value/Ebitda8.33
Forecast
1Y Price Target
$21.63Price Target Upside5.36% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 $14.14 and its highest was $20.71 in the past 12 months.
What is Old Second Bancorp’s market cap?
Old Second Bancorp’s market cap is $1.08B.
When is Old Second Bancorp’s upcoming earnings report date?
Old Second Bancorp’s upcoming earnings report date is Jan 28, 2026 which is in 36 days.
How were Old Second Bancorp’s earnings last quarter?
Old Second Bancorp released its earnings results on Oct 22, 2025. The company reported $0.18 earnings per share for the quarter, missing the consensus estimate of $0.258 by -$0.078.
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 1.22%. See more information on Old Second Bancorp dividends here
What is Old Second Bancorp’s EPS estimate?
Old Second Bancorp’s EPS estimate is 0.5.
How many shares outstanding does Old Second Bancorp have?
Old Second Bancorp has 52,669,224 shares outstanding.
What happened to Old Second Bancorp’s price movement after its last earnings report?
Old Second Bancorp reported an EPS of $0.18 in its last earnings report, missing expectations of $0.258. Following the earnings report the stock price went down -0.503%.
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
Strong Buy
Average Price Target:
$21.63 (5.36% Upside)
$21.63 (5.36% Upside)
Hedge Fund Trend
Increased
By 44.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.5M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.59%
12-Months-Change
Fundamentals
Return on Equity
9.24%
Trailing 12-Months
Asset Growth
0.68%
Trailing 12-Months
Company Description
Old Second Bancorp
Old Second Bancorp (OSBC) is a financial holding company headquartered in Aurora, Illinois, primarily engaged in providing a range of banking and financial services through its wholly-owned subsidiary, Old Second National Bank. The bank operates in the banking sector, offering a variety of products including personal and business banking services, mortgage loans, wealth management, and treasury management services. OSBC serves individual consumers, small to medium-sized businesses, and commercial clients throughout the Chicago metropolitan area and surrounding regions.
OSBC Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call reflected strong financial performance and successful integration of the Evergreen acquisition, leading to improved net interest margins and increased noninterest income. However, there were challenges with increased provisions for credit losses and higher noninterest expenses due to acquisition costs. Asset quality showed some signs of stress, with increased nonperforming loans and classified assets.View all OSBC earnings summariesOSBC Stock 12 Month Forecast
Average Price Target
$21.63
▲(5.36% Upside)
Technical Analysis
Southside Bancshares
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Tompkins Financial Corporation
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Univest Of Pennsylvania
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First Mid-Illinois Bancshares
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Esquire Financial Holdings
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Ownership Overview
4.69% Insiders
15.79% Mutual Funds
20.84% Other Institutional Investors
43.14% Public Companies and
Individual Investors