Old Second Bancorp, Inc. (OSBC)

NMS – Real Time Price. Currency in USD

25.75

+0.29 (1.16%)

Market open: Aug 12, 2026, 12:20 PM EDT

25.45

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 25.45$
Day's range: 25.3 - 25.62$
52-week range: 16.65 - 26.04$
Volume: 304 493
Average volume: 433 501
Beta: 0.27
EPS (TTM): 1.77
PE ratio (TTM): 14.6
Forward P/E: 11.64
Market cap: 1 294 786 939
Shares outstanding: 50 875 715
Dividend yield: $1.11 (1.11%)
Next earnings date: 2026-10-21
Sector: Financials
Industry: Banks - Regional

About the company

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and indus... read more

CEO: James Eccher
Country: United States
IPO Date
Employees: 1062
Fiscal Year End: January - December
Website: https://www.oldsecond.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: OSBC

Loading Chart...

Overall Score

5 / 1050%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $468.7M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.5) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $27.9M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.05	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.52	0.05	7.0
Debt to Assets	0.07	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	260M	326M	342M	402M	457M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	92M	124M	113M	108M	124M
Net Income	67M	92M	85M	80M	92M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	39.14	0.44	10
Net margin %	29.19	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	24.99	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.31	1.46	3.0
ROE	10.43	14.94	7.0
ROIC	9.38	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.11	220.37	6.5
Next quarter	3.06	9.57	5.0
Current year	13.99	34.98	9.0
Next year	2.34	9.15	4.5
Weighted average score			6.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.99	10.14	12.5	-22.8	4.8
Y/Y	32.69	29.13	12.5	19.02	9.0
3y average	15.97	7.75	4.93	10.63	6.5
5y average	25.9	46.32	22.78	108.98	10
Weighted average score					7.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	14.61	11.16	5.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.53	3.37	4.4
P/B	1.42	1.53	5.6
Weighted average score			4.1

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR13.34%

FCF 5 year CAGR4

Fair value33.2$

Stock price25.45$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	1.30	1.30	5.0
Payout ratio	11.49	11.49	3.0
5-year dividend growth rate	43.10	43.10	10
Years of dividend increase	1.00	1.00	2.0
Weighted average score			5.0

Fair Value

$33.2

UndervaluedStock priceOvervalued

$25.45

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

James Eccher

Country

United States

IPO Date

Employees

1062

Fiscal Year End

January - December

Website

https://www.oldsecond.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.05

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.52

0.05

7.0

Debt to Assets

0.07

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

260M

326M

342M

402M

457M

Gross Profit

N/A

Operating Income

92M

124M

113M

108M

124M

Net Income

67M

92M

85M

80M

92M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

39.14

0.44

Net margin %

29.19

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

24.99

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.31

1.46

3.0

ROE

10.43

14.94

7.0

ROIC

9.38

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.11

220.37

6.5

Next quarter

3.06

9.57

5.0

Current year

13.99

34.98

9.0

Next year

2.34

9.15

4.5

Weighted average score

6.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.99

10.14

12.5

-22.8

4.8

Y/Y

32.69

29.13

12.5

19.02

9.0

3y average

15.97

7.75

4.93

10.63

6.5

5y average

25.9

46.32

22.78

108.98

Weighted average score

7.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

14.61

11.16

5.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.53

3.37

4.4

P/B

1.42

1.53

5.6

Weighted average score

4.1

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

1.30

5.0

Payout ratio

11.49

3.0

5-year dividend growth rate

43.10

Years of dividend increase

1.00

2.0

Weighted average score

5.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Old Second Bancorp, Inc. (OSBC)

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Old Second Bancorp, Inc. (OSBC)

Stock details

About the company

Revenue Breakdown

News

Chart: OSBC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$33.2

$25.45

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: OSBC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$33.2

$25.45

Economic Moat