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OSBC Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
23.360
Open
23.330
VWAP
23.11
Vol
354.43K
Mkt Cap
1.18B
Low
22.970
Amount
8.19M
EV/EBITDA(TTM)
11.21
Total Shares
51.43M
EV
1.47B
EV/OCF(TTM)
--
P/S(TTM)
3.50
Old Second Bancorp, Inc. is a financial services company. The Company is the holding company of Old Second National Bank (the Bank). The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. It also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. It provides a variety of additional services to the needs of individual customers, such as money orders, cashiers' checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides a complement of electronic banking services, such as online and mobile banking and corporate cash management products.
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Events Timeline

(ET)
2026-04-22
16:50:00
Old Second Reports Q1 Revenue of $93.7M, Beating Expectations
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2026-01-21 (ET)
2026-01-21
17:10:00
Old Second Reports Q4 Net Interest and Dividend Income of $83.1M
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2025-10-22 (ET)
2025-10-22
16:33:29
Old Second Bancorp announces Q3 adjusted EPS of 52 cents, surpassing consensus estimate of 51 cents.
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2025-10-20 (ET)
2025-10-20
09:10:17
Old Second Bancorp Finalizes Merger with Evergreen Bank Group
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News

Yahoo Finance
5.0
06-30Yahoo Finance
O2 Sponsor Finance Promotes Chris Gallun to First Vice President
  • Promotion Announcement: O2 Sponsor Finance has promoted Chris Gallun to First Vice President, a move aimed at further driving the company's growth in 2026, highlighting its commitment to talent development.
  • Business Contributions: Since joining, Gallun has played a key role in underwriting and originating new business, significantly contributing to portfolio growth and strengthening sponsor relationships, underscoring his importance in the company's strategy.
  • Career Background: With over four and a half years at O2 Sponsor Finance, Gallun previously held positions at TCF Capital Funding and Fitch Ratings, bringing a strong foundation in sponsor finance and credit analysis that supports the company's development.
  • Company Overview: O2 Sponsor Finance focuses on providing cash flow-based loans to lower middle-market businesses with revenues between $10 million and $100 million, aiming to support private equity sponsors and independent sponsors in acquisitions or recapitalizations, showcasing its unique market positioning.
Yahoo Finance
2.0
05-30Yahoo Finance
Banc Funds Sells 98,000 Shares of FB Financial Corporation
  • Transaction Overview: On May 14, 2026, Banc Funds disclosed in an SEC filing that it sold 98,000 shares of FB Financial Corporation during Q1, with an estimated transaction value of $5.51 million, indicating a cautious stance towards the stock.
  • Impact of Position Change: The reduction resulted in a $5.61 million decrease in the value of FB Financial's position, highlighting the direct impact of market price fluctuations on the investment portfolio and possibly reflecting uncertainties about future market conditions.
  • Financial Performance Highlights: FB Financial's latest earnings report revealed a net income of $57.5 million and earnings per share of $1.10, showing slight growth compared to the previous quarter, indicating the company's ability to maintain profitability in a competitive environment.
  • Market Performance Comparison: FB Financial's stock has risen 20% over the past year, although it underperformed against the S&P 500's 28% increase, raising concerns about its ongoing profitability amidst interest rate uncertainties and deposit competition.
Yahoo Finance
6.5
05-22Yahoo Finance
Analysis of Opportunities and Risks in Small-Cap Stocks
  • Lindblad Expeditions Outlook: Lindblad Expeditions (LIND) has shown a lackluster annual revenue growth of 17.4% over the past two years, indicating a loss of market share, while its forward P/E ratio of 76.9 suggests potential overvaluation risks.
  • Capital Southwest Financial Strain: Capital Southwest (CSWC) has experienced a 6.3% annual decline in earnings per share over the last two years, despite revenue growth, and its 7x net-debt-to-EBITDA ratio indicates over-leverage, increasing the risk of shareholder dilution.
  • Old Second Bancorp Growth Potential: Old Second Bancorp (OSBC) has achieved an impressive 21.5% annual revenue growth over the past five years, with net interest income growth of 27.4%, indicating significant market share gains, and its current P/B ratio of 1.1x suggests investment attractiveness.
  • Small-Cap Investment Strategy: While small-cap stocks present mispricing opportunities due to limited analyst coverage, the financial challenges faced by companies like LIND and CSWC necessitate cautious selection, with a recommendation to focus on outperformers like OSBC for better investment returns.
seekingalpha
9.5
04-24seekingalpha
Old Second Bancorp Q1 2026 Earnings Call Insights
  • Financial Performance Overview: In Q1 2026, Old Second Bancorp reported a net income of $25.6 million, translating to $0.48 per diluted share and a return on assets of 1.51%, despite facing $9.8 million in net loan charge-offs, demonstrating resilience in profitability.
  • Impact of Loan Charge-Offs: The quarter's loan charge-offs included a $3.9 million commercial real estate charge-off linked to an office property in downtown Chicago, alongside $1.3 million in industrial loan charge-offs and $3.9 million from the Powersports business, reflecting the impact of market uncertainties on credit quality.
  • Net Interest Income Growth: Compared to the prior year, net interest income increased by $18 million or 29%, with a net interest margin of 5.14%, as the company reduced reliance on wholesale funding, showcasing adaptability in a declining interest rate environment.
  • Stock Buyback Program: The company repurchased 1.2 million shares at an average price of $19.63 during the quarter and plans to continue this buyback under the existing authorization, indicating management's confidence in the company's future performance.
seekingalpha
8.0
04-23seekingalpha
Old Second Bancorp Declares Quarterly Dividend of $0.07
  • Quarterly Dividend Announcement: Old Second Bancorp has declared a quarterly dividend of $0.07 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability.
  • Yield Information: The forward yield of 1.32% reflects the company's attractiveness in the current market environment, potentially appealing to investors seeking stable income.
  • Payment Schedule: The dividend will be payable on May 11, with a record date of May 1 and an ex-dividend date also on May 1, providing investors with a clear timeline for their investment decisions.
  • Financial Transparency: Old Second Bancorp offers its dividend scorecard, yield chart, and historical earnings data, enhancing investor confidence in the company's financial health and increasing market interest in its stock.
seekingalpha
9.5
04-22seekingalpha
Old Second Bancorp Q1 Earnings Highlights
  • Earnings Per Share: Old Second Bancorp reported a Q1 GAAP EPS of $0.48, indicating stable profitability amidst market challenges, which may positively influence investor confidence.
  • Revenue Performance: The company achieved revenues of $93.77 million, demonstrating resilience in maintaining strong income levels despite the current economic environment, which is crucial for sustaining operations.
  • Financial Health: An analysis of Old Second Bancorp's financial information reveals a robust balance sheet, providing a solid foundation for future growth and shareholder returns, which is essential for long-term strategic planning.
  • Dividend Commitment: The dividend scorecard for Old Second Bancorp highlights the company's commitment to returning value to shareholders, and while specific dividend data is not disclosed, its ongoing profitability supports future dividend potential.
Wall Street analysts forecast OSBC stock price to rise
4 Analyst Rating
Wall Street analysts forecast OSBC stock price to rise
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
19.00
Averages
21.63
High
24.50
Current: 0.000
sliders
Low
19.00
Averages
21.63
High
24.50
Raymond James
Outperform
initiated
$26
AI Analysis
2026-07-07
New
Reason
Raymond James
Price Target
$26
AI Analysis
2026-07-07
New
initiated
Outperform
Reason
Raymond James resumed coverage of Old Second Bancorp with an Outperform rating and $26 price target. While noting that Old Second faces some integration and credit risk, the firm believes these risks are outweighed by strong profitability and discounted valuation, while adding that it also views the bank as \"an attractive acquisition candidate.\"
Piper Sandler
Overweight
maintain
$25 -> $26
2026-06-26
Reason
Piper Sandler
Price Target
$25 -> $26
2026-06-26
maintain
Overweight
Reason
Piper Sandler raised the firm's price target on Old Second Bancorp to $26 from $25 and keeps an Overweight rating on the shares. The firm adjusted targets in the Midwest bank group as part of a Q2 earnings preview.
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Valuation Metrics

The current forward P/E ratio for Old Second Bancorp, Inc (OSBC.O) is 8.60, compared to its 5-year average forward P/E of 8.68. For a more detailed relative valuation and DCF analysis to assess Old Second Bancorp, Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.68
Current PE
8.60
Overvalued PE
10.36
Undervalued PE
7.00

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
1.06
Current EV/EBITDA
9.63
Overvalued EV/EBITDA
4.26
Undervalued EV/EBITDA
-2.13

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.84
Current PS
3.54
Overvalued PS
3.20
Undervalued PS
2.49

Financials

AI Analysis
Annual
Quarterly

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Whales Holding OSBC

K
Kennedy Capital Management LLC
Holding
OSBC
+10.08%
3M Return
D
Davis Capital Partners, LLC
Holding
OSBC
+6.17%
3M Return

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Frequently Asked Questions

What is Old Second Bancorp, Inc (OSBC) stock price today?

The current price of OSBC is 22.99 USD — it has decreased -0.99

What is Old Second Bancorp, Inc (OSBC)'s business?

Old Second Bancorp, Inc. is a financial services company. The Company is the holding company of Old Second National Bank (the Bank). The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. It also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. It provides a variety of additional services to the needs of individual customers, such as money orders, cashiers' checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides a complement of electronic banking services, such as online and mobile banking and corporate cash management products.

What is the price predicton of OSBC Stock?

Wall Street analysts forecast OSBC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OSBC is21.63 USD with a low forecast of 19.00 USD and a high forecast of 24.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Old Second Bancorp, Inc (OSBC)'s revenue for the last quarter?

Old Second Bancorp, Inc revenue for the last quarter amounts to 89.66M USD, increased 27.48

What is Old Second Bancorp, Inc (OSBC)'s earnings per share (EPS) for the last quarter?

Old Second Bancorp, Inc. EPS for the last quarter amounts to 0.48 USD, increased 11.63

How many employees does Old Second Bancorp, Inc (OSBC). have?

Old Second Bancorp, Inc (OSBC) has 1062 emplpoyees as of July 08 2026.

What is Old Second Bancorp, Inc (OSBC) market cap?

Today OSBC has the market capitalization of 1.18B USD.