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

Company Overview

Old Second Bancorp (NASDAQ: OSBC) is the bank holding company for Old Second National Bank, a full-service commercial bank headquartered in Aurora, Illinois. The company provides a broad array of financial products and services to individuals, businesses and municipalities across the Chicago metropolitan area and Northern Illinois. Established in the mid-19th century, Old Second Bancorp has grown through strategic branching and acquisitions to serve customers in suburban markets including Kane, Kendall, DuPage and McHenry counties.

The company’s primary business activities encompass consumer banking, commercial lending and wealth management. Retail banking services include checking and savings accounts, certificates of deposit, home equity lines of credit, residential mortgage lending and consumer installment loans. On the commercial side, Old Second Bancorp offers working capital lines, equipment and vehicle financing, commercial real estate loans, construction financing and treasury management solutions tailored to small- and medium-sized enterprises.

Old Second Wealth Management, the company’s dedicated asset management unit, delivers trust administration, financial planning, investment advisory and retirement services. This platform enables both individual and institutional clients to access tailored portfolio strategies alongside custodial and fiduciary services. The bank’s mortgage division also originates and services home loans throughout Northern Illinois, leveraging local market expertise to streamline the borrowing process for homeowners and builders.

Leadership at Old Second Bancorp is led by Chief Executive Officer Christopher C. Comerford, who oversees strategy, growth initiatives and regulatory compliance. The company’s board of directors draws on deep experience in banking, real estate and community affairs to guide risk management and corporate governance. With a community-focused ethos, Old Second Bancorp remains committed to reinvesting in its markets through lending, charitable contributions and economic development partnerships.

Key Stats

• Today's Range: $18.68 to $18.90
• 50-Day Range: $16.34 to $19.08
• 52-Week Range: $14.14 to $19.46
• Volume: 187,507 shs
• Average Volume: 258,062 shs
• Market Capitalization: $842.62 million
• P/E Ratio: 10.22
• Dividend Yield: 1.28%
• Price Target: $20.50
• Consensus Rating: Buy

Old Second Bancorp Stock Analysis - MarketRank™

Old Second Bancorp scored higher than 54% of companies evaluated by MarketBeat, and ranked 598th out of 933 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: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

Old Second Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Old Second Bancorp has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Earnings Growth

Earnings for Old Second Bancorp are expected to remain at $1.86 per share in the coming year.

Price to Earnings Ratio vs. the Market

The P/E ratio of Old Second Bancorp is 10.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of Old Second Bancorp is 10.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Old Second Bancorp has a P/B Ratio of 1.25. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.97% 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 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Old Second Bancorp has recently decreased by 13.25%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Old Second Bancorp pays a meaningful dividend of 1.28%, 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 13.11%. 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 12.90% next year. This indicates that Old Second Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.97% 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 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Old Second Bancorp has recently decreased by 13.25%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.71

News Sentiment

Old Second Bancorp has a news sentiment score of 0.71. 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 lower news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Old Second Bancorp this week, compared to 3 articles on an average week.

Search Interest

1 people have searched for OSBC on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Old Second Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.80% 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.

OSBC Stock Analysis - Frequently Asked Questions

How have OSBC shares performed this year?

Old Second Bancorp's stock was trading at $17.78 at the start of the year. Since then, OSBC shares have increased by 5.2% and is now trading at $18.70.

How were Old Second Bancorp's earnings last quarter?

Old Second Bancorp, Inc. (NASDAQ:OSBC) released its quarterly earnings results on Wednesday, April, 23rd. The financial services provider reported $0.45 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.46 by $0.01. The financial services provider earned $73.57 million during the quarter, compared to analysts' expectations of $60 million. Old Second Bancorp had a trailing twelve-month return on equity of 12.87% and a net margin of 24.52%.
Read the conference call transcript.

Who are Old Second Bancorp's major shareholders?

Old Second Bancorp's top institutional investors include Assenagon Asset Management S.A. (0.03%). Insiders that own company stock include John Ladowicz, Gary S Collins, Rocks Patti Temple and Billy J Jr Lyons.
View institutional ownership trends.

How do I buy shares of Old Second Bancorp?

Shares of OSBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Old Second Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Old Second Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Broadcom (AVGO), Adobe (ADBE), ServiceNow (NOW) and Netflix (NFLX).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 5/5 Dividend: 4/25/2025
• Ex-Dividend for 5/5 Dividend: 4/25/2025
• Dividend Payable: 5/05/2025
• Today: 7/13/2025
• Next Earnings (Estimated): 7/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OSBC
• CIK: 357173
• Web: www.oldsecond.com
• Phone: (630) 892-0202
• Fax: 630-892-9630
• Employees: 890
• Year Founded: 1871

Price Target and Rating

• Average Price Target for Old Second Bancorp: $20.50
• High Price Target: $24.50
• Low Price Target: $18.00
• Potential Upside/Downside: +9.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.83
• Trailing P/E Ratio: 10.22
• Forward P/E Ratio: 10.05
• P/E Growth: N/A
• Net Income: $85.26 million
• Net Margins: 24.52%
• Pretax Margin: 32.38%
• Return on Equity: 12.87%
• Return on Assets: 1.50%

Debt

• Debt-to-Equity Ratio: 0.12
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $341.72 million
• Price / Sales: 2.47
• Cash Flow: $2.16 per share
• Price / Cash Flow: 8.65
• Book Value: $14.96 per share
• Price / Book: 1.25

Miscellaneous

• Outstanding Shares: 45,060,000
• Free Float: 43,344,000
• Market Cap: $842.62 million
• Optionable: Optionable
• Beta: 0.81