Old Second Bancorp (OSBC) Stock Price, News & Analysis

Company Overview

Old Second Bancorp, Inc. (NASDAQ: OSBC) is a bank holding company headquartered in Aurora, Illinois. Through its principal subsidiary, Old Second National Bank, the company provides community banking services to individuals, families, businesses and institutions.

The bank offers a range of financial products and services, including commercial and residential real estate lending, business and consumer loans, checking and savings accounts, certificates of deposit, treasury management and online and mobile banking. It also provides wealth management, trust and investment-related services for individuals and organizations.

Founded in 1871, Old Second has a long history of serving communities in northern Illinois. Its banking network primarily covers the Chicago metropolitan area, including the western suburbs and the Fox Valley region, as well as surrounding communities. The company is managed through Old Second National Bank and focuses on relationship-based banking for local consumers and businesses.

Key Stats

• Today's Range: $24.79 to $25.20
• 50-Day Range: $24.49 to $25.91
• 52-Week Range: $16.65 to $26.06
• Volume: 721,991 shs
• Average Volume: 470,383 shs
• Market Capitalization: $1.27 billion
• P/E Ratio: 14.34
• Dividend Yield: 1.12%
• Price Target: $25.40
• Consensus Rating: Moderate Buy

Old Second Bancorp Stock Analysis - MarketRank™

Old Second Bancorp scored higher than 68% of companies evaluated by MarketBeat, and ranked 442nd out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Old Second Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.71, and is based on no strong buy ratings, 5 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Old Second Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Old Second Bancorp has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.60%

Earnings Growth

Earnings for Old Second Bancorp are expected to grow by 8.60% in the coming year, from $2.21 to $2.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Old Second Bancorp is 14.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of Old Second Bancorp is 14.34, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.49.

Price to Book Value per Share Ratio

Old Second Bancorp has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.03% of the float of Old Second Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Old Second Bancorp has a short interest ratio ("days to cover") of 5.67.

Change versus previous month

Short interest in Old Second Bancorp has recently increased by 23.30%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Old Second Bancorp pays a meaningful dividend of 1.14%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Old Second Bancorp has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Old Second Bancorp is 16.09%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Old Second Bancorp will have a dividend payout ratio of 11.67% next year. This indicates that Old Second Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.88

News Sentiment

Old Second Bancorp has a news sentiment score of 0.88. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Old Second Bancorp this week, compared to 2 articles on an average week.

Search Interest

3 people have searched for OSBC on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 1.6 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Old Second Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $3,809,117.00 in company stock.

Percentage Held by Insiders

3.60% of the stock of Old Second Bancorp is held by insiders.

Percentage Held by Institutions

67.76% of the stock of Old Second Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/22/2026
• Record date for 8/10 Dividend: 7/31/2026
• Ex-Dividend for 8/10 Dividend: 7/31/2026
• Dividend Payable: 8/10/2026
• Today: 10/02/2026
• Next Earnings (Estimated): 10/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:OSBC
• CIK: 357173
• Web: www.oldsecond.com
• Phone: (630) 892-0202
• Fax: 630-892-9630
• Employees: 1,062
• Year Founded: 1871

Price Target and Rating

• Average Price Target for Old Second Bancorp: $25.40
• High Price Target: $30.00
• Low Price Target: $23.00
• Potential Upside/Downside: +1.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.71
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.74
• Trailing P/E Ratio: 14.34
• Forward P/E Ratio: 11.29
• P/E Growth: N/A
• Net Income: $80.31 million
• Net Margins: 20.22%
• Pretax Margin: 27.18%
• Return on Equity: 12.79%
• Return on Assets: 1.65%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $401.54 million
• Price / Sales: 3.16
• Cash Flow: $2.09 per share
• Price / Cash Flow: 11.91
• Book Value: $17.03 per share
• Price / Book: 1.47

Miscellaneous

• Outstanding Shares: 50,880,000
• Free Float: 49,044,000
• Market Cap: $1.27 billion
• Optionable: Optionable
• Beta: 0.77