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: $17.89 to $18.33
• 50-Day Range: $16.56 to $18.96
• 52-Week Range: $14.14 to $19.46
• Volume: 1.59 million shs
• Average Volume: 215,192 shs
• Market Capitalization: $941.91 million
• P/E Ratio: 9.78
• Dividend Yield: 1.34%
• Price Target: $21.38
• Consensus Rating: Buy

Old Second Bancorp Stock Analysis - MarketRank™

Old Second Bancorp scored higher than 77% of companies evaluated by MarketBeat, and ranked 369th out of 941 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: 3.5 / 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.

Upside Potential

Old Second Bancorp has a consensus price target of $21.38, representing about 19.5% upside from its current price of $17.89.

Amount of Analyst Coverage

Old Second Bancorp has only been the subject of 2 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 9.78, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 279.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of Old Second Bancorp is 9.78, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 243.57.

Price to Book Value per Share Ratio

Old Second Bancorp has a P/B Ratio of 1.20. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.80% 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 increased by 0.77%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Old Second Bancorp pays a meaningful dividend of 1.31%, 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

0.80% 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 increased by 0.77%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.24

News Sentiment

Old Second Bancorp has a news sentiment score of 1.24. 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 1.04 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Old Second Bancorp this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for OSBC on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Old Second Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $415.00 in company stock and sold $0.00 in 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 beginning of the year. Since then, OSBC shares have increased by 0.6% and is now trading at $17.89.

How were Old Second Bancorp's earnings last quarter?

Old Second Bancorp, Inc. (NASDAQ:OSBC) released its earnings results on Wednesday, July, 23rd. The financial services provider reported $0.48 earnings per share for the quarter, missing the consensus estimate of $0.49 by $0.01. The financial services provider earned $75.13 million during the quarter, compared to the consensus estimate of $63.58 million. Old Second Bancorp had a trailing twelve-month return on equity of 12.53% and a net margin of 24.38%.
Read the conference call transcript.

Who are Old Second Bancorp's major shareholders?

Old Second Bancorp's top institutional shareholders include FJ Capital Management LLC (3.49%), Davis Asset Management L.P. (2.63%), American Century Companies Inc. (2.33%) and Geode Capital Management LLC (2.56%). 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: 7/23/2025
• Record date for 8/4 Dividend: 7/25/2025
• Ex-Dividend for 8/4 Dividend: 7/25/2025
• Dividend Payable: 8/04/2025
• Today: 9/19/2025
• Next Earnings (Estimated): 10/15/2025
• 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: $21.38
• High Price Target: $24.50
• Low Price Target: $19.00
• Potential Upside/Downside: +19.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.83
• Trailing P/E Ratio: 9.78
• Forward P/E Ratio: 9.62
• P/E Growth: N/A
• Net Income: $85.26 million
• Net Margins: 24.38%
• Pretax Margin: 32.21%
• Return on Equity: 12.53%
• Return on Assets: 1.51%

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: 2.76
• Cash Flow: $2.16 per share
• Price / Cash Flow: 8.28
• Book Value: $14.96 per share
• Price / Book: 1.20

Miscellaneous

• Outstanding Shares: 52,650,000
• Free Float: 50,649,000
• Market Cap: $941.91 million
• Optionable: Optionable
• Beta: 0.85