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

Company Overview

Old Second Bancorp, Inc. is a bank holding company based in Aurora, Illinois, serving businesses and consumers through its primary subsidiary, Old Second National Bank. The company provides a broad range of commercial and retail banking services across the suburban Chicago marketplace, supported by a branch network and online platforms designed to meet the financial needs of local communities.

In its commercial banking division, Old Second offers lending solutions that include lines of credit, term loans, equipment financing and commercial real estate financing. The bank also delivers treasury and cash management products such as online wire transfers, controlled disbursement and automated clearing house (ACH) services to help businesses optimize their cash flow and operational efficiency.

For individual customers, Old Second Bank features deposit and lending products including checking and savings accounts, money market and time deposit accounts, residential mortgage loans, home equity lines of credit and personal installment loans. Its digital banking platform enables account management, funds transfers and bill payments via online and mobile channels, enhancing convenience and accessibility.

Beyond traditional banking, Old Second Bancorp provides wealth management and trust services tailored to high-net-worth clients, encompassing investment advisory, financial planning, trust administration and retirement planning. With a focus on personalized service and community engagement, the company serves clients throughout suburban Chicago, including DuPage, Kane, Kendall, Will and Cook counties.

Key Stats

• Today's Range: $25.67 to $25.95
• 50-Day Range: $21.66 to $25.91
• 52-Week Range: $16.65 to $26.04
• Volume: 338,551 shs
• Average Volume: 458,934 shs
• Market Capitalization: $1.32 billion
• P/E Ratio: 14.89
• Dividend Yield: 1.08%
• Price Target: $25.40
• Consensus Rating: Buy

Old Second Bancorp Stock Analysis - MarketRank™

Old Second Bancorp scored higher than 83% of companies evaluated by MarketBeat, and ranked 250th out of 858 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: 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 1 strong buy rating, 5 buy ratings, 1 hold rating, 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: 7.73%

Earnings Growth

Earnings for Old Second Bancorp are expected to grow by 7.73% in the coming year, from $2.20 to $2.37 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Old Second Bancorp is 14.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.58.

Price to Earnings Ratio vs. Sector

The P/E ratio of Old Second Bancorp is 14.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.38.

Price to Book Value per Share Ratio

Old Second Bancorp has a P/B Ratio of 1.52. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.48% 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 3.39, 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 1.34%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Old Second Bancorp pays a meaningful dividend of 1.08%, 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 11.81% 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: 0.75

News Sentiment

Old Second Bancorp has a news sentiment score of 0.75. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Old Second Bancorp this week, compared to 2 articles on an average week.

Search Interest

1 people have searched for OSBC on MarketBeat in the last 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 $1,912,397.00 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: 8/16/2026
• 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: -2.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.74
• Trailing P/E Ratio: 14.89
• Forward P/E Ratio: 11.78
• 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: 3.28
• Cash Flow: $2.07 per share
• Price / Cash Flow: 12.52
• Book Value: $17.03 per share
• Price / Book: 1.52

Miscellaneous

• Outstanding Shares: 50,880,000
• Free Float: 49,044,000
• Market Cap: $1.32 billion
• Optionable: Optionable
• Beta: 0.70