Old Second Bancorp, Inc. OSBC

24.95 0.13 0.52% as of 25 Sep
Market cap
$1.3B
P/E
14.0×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.00
Total sells 8.34
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — 1 — — — —
Sell 1 1 1 1 3 1 — 4 — — 2 5
Insider Ownership 6.50%

Capital & Financial Ratios

Market Cap 1,260.00
Revenue 457.07
Net Income 92.42
Free Cash Flow 126.66
Net Debt (72.91)
Current Ratio 0.91
Debt/Equity 0.08
P/E ratio 14.02
P/S ratio 2.80
P/B ratio 1.42
Past 5Y EPS Growth 7.57%
This Y EPS Growth 35.19%
Next Y EPS Growth 9.74%
Next 5Y EPS Growth 19.29%
in millions of $

Dividends

Payout Ratio 0.10
Annual Dividend Rate 0.20
Annual Dividend Yield 1.60%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.29
0.07
0.07
0.07
2025 0.25
0.06
0.06
0.06
0.07
2024 0.21
0.05
0.05
0.05
0.06
2023 0.20
0.05
0.05
0.05
0.05
2022 0.20
0.05
0.05
0.05
0.05
2021 0.16
0.01
0.05
0.05
0.05
2020 0.04
0.01
0.01
0.01
0.01
2019 0.04
0.01
0.01
0.01
0.01
2018 0.04
0.01
0.01
0.01
0.01
2017 0.04
0.01
0.01
0.01
0.01
2016 0.03
0.01
0.01
0.01
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 100 99 124 143
Receivables — — — —
Inventory — — — —
Other — — — —
4,100 4,039 5,308 5,321
2023 2024 2025 Q'26
Payables 4,571 4,769 5,596 5,445
ST’ Debt — — — —
Other — — — —
5,002 4,825 5,835 5,843
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 15.21% 23.16% 15.65%
Cash Flow 19.19% 36.30% 7.89%
Earnings 19.51% 23.61% 6.01%
Book Value 19.12% 23.90% 24.82%

Revenue

Mar Jun Sep Dec Year
’26 111 114 — — —
’25 84 86 117 114 402
’24 84 84 87 87 342
’23 78 82 84 82 326
’22 57 57 70 77 260
’21 37 32 34 41 144
’20 34 36 37 35 142
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 37 29 — — —
’25 18 24 36 44 122
’24 47 12 48 24 132
’23 35 (29) 82 29 116
’22 0 27 33 37 97
’21 15 9 26 (20) 31
’20 9 12 (4) 9 26
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 36 29 — — —
’25 16 43 17 44 120
’24 44 11 44 22 121
’23 34 (31) 80 25 109
’22 1 32 36 37 106
’21 15 9 26 (21) 29
’20 8 11 (5) 8 22
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.48 0.54 — — —
’25 0.43 0.48 0.18 0.54 1.62
’24 0.47 0.48 0.50 0.42 1.87
’23 0.52 0.56 0.54 0.40 2.02
’22 0.27 0.27 0.43 0.52 1.49
’21 0.40 0.30 0.29 (0.26) 0.65
’20 0.01 0.31 0.34 0.27 0.92
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
6.22 9.65 11.32 11.24 5.96 9.75 12.55 10.79 13.00 14.14

Analyst estimates 2026–2028

Powerpack
Low Price
11.64 14.90 16.30 14.80 13.55 14.45 17.80 17.70 19.37 20.96
High Price
467 450 518 535 533 891 819 834 850 1,062
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
102 118 139 151 142 144 260 326 342 402
Revenue
90.25% 89.29% 88.00% 87.56% 91.20% 94.15% 96.03% 87.72% 83.53% 84.51%
Gross Margin
25 34 44 52 37 28 92 124 113 108
EBT
24.03% 29.10% 31.62% 34.25% 26.40% 19.30% 35.27% 38.14% 33.05% 26.83%
EBT Margin
16 15 34 39 28 20 67 92 85 80
Net Income
1 3 4 5 5 5 4 7 11 9
Depreciation
3.45 3.98 4.67 5.06 4.78 4.78 5.83 7.30 7.62 8.22
Revenue/Sh
0.53 0.51 1.14 1.32 0.94 0.66 1.51 2.05 1.90 1.64
Earnings/Sh
0.92 1.25 1.85 1.76 0.88 1.03 2.19 2.61 2.93 2.50
Cash Flow/Sh
(0.07) (0.04) (0.06) (0.15) (0.13) (0.07) 0.20 (0.18) (0.24) (0.05)
Capex/Sh
0.86 1.22 1.78 1.62 0.74 0.96 2.39 2.43 2.69 2.46
Free CF/Sh
5.93 6.77 7.71 9.30 10.37 16.62 10.36 12.93 14.97 18.35
Book Value/Sh
30 30 30 30 30 30 45 45 45 49
Shares
20.57 25.94 11.40 10.20 10.74 17.25 10.69 7.48 9.36 11.68
PE Ratio
3.16 3.45 2.78 2.66 2.11 2.63 2.77 2.10 2.33 2.37
PS Ratio
1.84 2.03 1.69 1.45 0.97 0.76 1.56 1.19 1.19 1.06
PB Ratio
3.69 3.84 3.23 3.04 0.44 (1.55) 2.86 2.05 2.29 2.31
EV/Sales
14.89 12.56 8.46 9.54 2.85 (7.69) 6.98 6.17 6.48 7.74
EV/FCF
27 37 55 53 26 31 97 116 132 122
Op' Cash Flow
(2) (1) (2) (4) (4) (2) 9 (8) (11) (2)
Capex
25 36 53 48 22 29 106 109 121 120
FCF
(448) (408) (377) (259) (261) (1,383) (1,297) (902) (787) (527)
Working Cap'
102 102 117 109 94 149 139 85 85 100
Total Debt
54 46 62 58 (236) (604) 23 (15) (14) (24)
Net Debt
175 200 229 278 307 502 461 577 671 897
Sh' Equity
0.72% 0.65% 1.34% 1.49% 0.98% 0.43% 1.11% 1.58% 1.50% 1.28%
ROA
6.67% 8.71% 9.43% 9.65% 33.06% 0.00% 11.81% 13.83% 10.75% 7.72%
ROIC
9.47% 8.06% 15.84% 15.57% 9.51% 4.95% 14.00% 17.67% 13.66% 10.24%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Old Second Bancorp, Inc. (OSBC) key facts

  • Old Second Bancorp, Inc. (OSBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Old Second Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $401.5 million, up 17.5% from fiscal 2024.
  • Net income was $80.3 million, or $1.64 per share (basic), a net margin of 20.0%.
  • As of September 25, 2026, OSBC traded at $24.95, a market capitalization of $1.3 billion.
  • At that price the stock trades at 14.0× trailing-twelve-month earnings and 2.8× sales.
  • Old Second Bancorp, Inc. pays an annual dividend of $0.20 per share, a yield of 1.60%, with a payout ratio of 9.85%.
  • Return on equity was 10.2% and debt-to-equity 0.08.

Source: company filings (standardised) and stockrow calculations.

Old Second Bancorp, Inc. (OSBC) Latest News

News by impact score

Fine-tune

24 Sep

3

Old Second Bancorp has outperformed the market over the last six months, with the stock at $24.54 (+24.3%) and trading around 1.3x forward P/B. An Illinois community bank, OSBC benefits from stronger net interest income, which has risen at a 29.2% annualized pace over five years thanks to higher loan volumes and a wider net interest margin. Analysts expect NII to grow only 2.5% in the next 12 months, a notable slowdown from recent years. The piece flags two positives and one caution: durable NII growth versus a slower near‑term outlook, and valuation near peers; the report promises a free in‑depth analysis. Overall, the positives outweigh the negatives, but near‑term momentum may cap upside despite recent outperformance. Near-term NII growth slows to 2.5% after a strong five-year pace, indicating balanced upside with limited short-term acceleration.

21 Aug

3

Old Second Bancorp filed a $200 million shelf registration prompting questions on whether the stock is undervalued. Shelf filing opens route for future capital raises that can affect balance sheet and valuation.

31 Jul

3

Old Second Bancorp (OSBC) receives upgrade to Strong Buy rating. Analyst upgrade to Strong Buy can moderately lift OSBC stock demand and short-term sentiment.

3

Old Second Bancorp (OSBC) upgraded to Strong Buy rating. Strong Buy upgrade can lift near-term investor sentiment and share price for OSBC.

23 Jul

4

Old Second Bancorp, Inc. held its Q2 2026 earnings call covering quarterly financial results and outlook. Quarterly earnings data directly shapes valuation, guidance and investor positioning for the bank.

3

Old Second Bancorp Inc (OSBC) highlighted strong net interest margin in its Q2 2026 earnings call. Strong net interest margin in Q2 2026 earnings call moderately boosts profitability outlook and investor sentiment.

3

Old Second Bancorp Q2 earnings call highlights financial results, operational metrics, and management commentary on performance and outlook. Q2 earnings details can shift short-term investor views on financial metrics without altering long-term strategy.

22 Jul

3

Old Second Bancorp reported Q2 earnings versus estimates, highlighting performance across key metrics such as revenue, net interest income, and loan growth. Q2 earnings versus estimates typically produce moderate short-term effects on valuation and market perception.

3

Old Second Bancorp reported second quarter 2026 net income of $28.2 million, or $0.54 per diluted share. Quarterly earnings update directly informs near-term views on financial performance.

15 Jul

3

Old Second Bancorp, Inc. (OSBC) will report earnings next week with Wall Street forecasting earnings growth. Upcoming earnings release with expected growth may moderately shift near-term investor views and share price.

25 May

3

Regional banks stocks including Old Second Bancorp reported Q1 earnings results. Q1 earnings provide moderate insight into financial performance without indicating transformative shifts.

27 Apr

4

Old Second Bancorp (OSBC) valuation analyzed post-Q1 earnings beat and new share buyback program announcement, highlighting improved metrics and positive outlook. Q1 earnings strength and share buyback signal confidence, likely boosting valuation and long-term investor sentiment significantly.

4

Old Second Bancorp (OSBC) narrative shifts following recent valuation and earnings updates. Valuation and earnings updates drive narrative shift with significant potential to alter investor sentiment and market performance.

24 Apr

4

Old Second Bancorp Inc (OSBC) Q1 2026 earnings call highlights strong profitability despite challenges, with key metrics showing robust financial performance. Strong Q1 2026 profitability in earnings highlights indicates significant positive influence on financial trajectory and investor sentiment.

3

Old Second Bancorp (OSBC) reported mixed Q1 results, with strong net interest margin expansion providing a boost while elevated credit costs exerted pressure on profitability. Mixed Q1 outcomes from robust margins and rising credit costs moderately affect OSBC's financial performance and market sentiment.

23 Apr

4

Old Second Bancorp released Q1 earnings call highlights detailing financial results, loan growth, deposit increases, net interest margin, and outlook amid economic conditions. Q1 earnings highlights disclose core financial metrics and guidance directly shaping investor expectations and stock trajectory.

4

Old Second Bancorp, Inc. shared Q1 2026 earnings call highlights, covering financial results, loan growth, deposit trends, net interest margin, and forward guidance amid economic conditions. Quarterly earnings call summary reveals key financial metrics and outlook directly shaping OSBC's stock performance and investor expectations.

22 Apr

4

Old Second Bancorp (OSBC) Q1 earnings compared to analyst estimates, spotlighting key metrics like revenue, EPS, net interest margin, and loan growth. Q1 earnings metrics versus estimates directly shape investor sentiment, stock volatility, and projections for banking performance.

3

Old Second Bancorp (OSBC) Q1 earnings missed analyst estimates. Q1 earnings miss affects key financial performance and investor sentiment but is limited by other quarterly factors.

3

Old Second Bancorp (OSBC) Q1 earnings performance compared to analyst estimates, with analysis of key metrics. Q1 earnings versus estimates influence financial performance and market sentiment moderately.

3

Old Second Bancorp (NASDAQ:OSBC) reported Q1 CY2026 earnings results with revenue in line with expectations. Q1 revenue met expectations, offering moderate influence on financial performance without major trajectory shifts.

3

Old Second Bancorp, Inc. reported first quarter 2026 net income of $25.6 million, or $0.48 per diluted share. Solid Q1 2026 net income positively affects financial performance and investor sentiment without fundamentally altering long-term trajectory.

21 Apr

4

Analysts outline expectations for Old Second Bancorp’s (OSBC) Q1 earnings, projecting revenue growth, net interest margin stability, loan portfolio expansion, and deposit trends amid economic pressures. Q1 earnings expectations signal potential shifts in financial metrics that could significantly sway OSBC's stock trajectory and investor confidence.

11 Apr

4

Analyst upgrades and building momentum at Old Second Bancorp (OSBC) have reshaped its investment story, boosting its attractiveness to investors. Analyst upgrades and momentum signal stronger outlook, significantly lifting investor sentiment and potential stock performance.

28 Mar

3

Analysts have refined their assumptions on Old Second Bancorp (OSBC), shifting the company's investment story and outlook. Refined analyst assumptions moderately influence investor sentiment and OSBC's market trajectory.

5 Feb

4

Old Second Bancorp, Inc. (OSBC) is highlighted as a small-cap stock with significant growth potential due to its strong financial performance and strategic initiatives. The bank has shown resilience in a challenging economic environment, making it an attractive investment option. In contrast, two other stocks mentioned in the article are noted for their lackluster performance and limited growth prospects, positioning OSBC as a standout choice for investors seeking promising opportunities in the small-cap sector. Strong financial performance and strategic initiatives are likely to significantly impact OSBC's future and market performance.

2 Feb

4

Old Second Bancorp, Inc. (OSBC) received approval for a share buyback program following strong fourth-quarter results. The bank reported solid financial performance, which has positively influenced investor sentiment and confidence in its future growth prospects. The share buyback approval and strong quarterly results are likely to significantly impact investor sentiment and the company's future performance.

31 Jan

4

DA Davidson has identified elevated non-performing assets as a key risk for Old Second Bancorp, Inc. (OSBC). The firm suggests that these assets could pose challenges to the bank's financial stability and overall performance, potentially impacting investor sentiment and market confidence in the institution. Elevated non-performing assets are likely to significantly impact the bank's financial performance and investor sentiment.

28 Jan

3 transcript

Old Second Bancorp, Inc. (OSBC) held its Q4 earnings call, during which analysts posed five notable questions that highlighted key areas of interest regarding the bank's performance and strategic direction. Topics included loan growth, interest rate impacts, and future guidance, reflecting the company's efforts to navigate a challenging economic environment. The responses provided insights into management's outlook and operational strategies moving forward. Analyst questions during the earnings call indicate a moderate influence on the company's financial performance and strategic positioning.

26 Jan

4

Old Second Bancorp, Inc. (OSBC) reported a focus on its powersports portfolio and demonstrated resilience in margins during Q4. The company highlighted strategic initiatives aimed at enhancing its market position and financial performance, despite broader economic challenges. Key metrics and operational strategies were discussed, indicating a commitment to sustaining growth and profitability in a competitive landscape. Strategic initiatives and focus on the powersports portfolio are likely to significantly impact future performance and investor sentiment.

stockrow.com/OSBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com