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OLD SECOND BANCORP INC

OSBCNASDAQ
πŸ† #2245 by market capEarnings Jan 19US Equity
$24.63β–² $0.22 (+0.90%)
πŸŒ™ After hours$24.63β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 0.9%
7dβ–² 0.9%
14dβ–Ό 1.0%
30dβ–² 0.6%
ytdβ–² 26.4%
1yβ–² 35.7%
🏦Market Cap
$1.25B
Small Cap
πŸ“ˆRevenue Growth (YoY)
18.1%
Healthy
πŸ“ŠGross Margin
83.5%
High
πŸ’΅FCF Margin
32.9%
Strong
βš–οΈP/S Ratio
2.9x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$24.44 – $24.80
52-Week Range
$17.11 – $26.06
Volume (shares)
502,370
Avg Volume (shares)
β€”
Shares Outstanding
50.9M
Next Earnings
2027-01-19

Fundamentals Snapshot

Annual Revenue
$397M
Last Q Revenue
$115M
P/E Ratio
11.3
P/S Ratio
2.9x
EPS (TTM)
$2.22
Dividend Yield
1.15%
Dilution (1yr)
+17.1%
OSBC logo

OLD SECOND BANCORP INC

OSBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$397Mβ–² +18.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
78.1%β–Ό βˆ’1.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$111Mβ–Ό βˆ’2.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$118Mβ–Ό βˆ’2.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
53.5Mβ–² +17.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$215Mβ–Ό βˆ’$172M YoY
StockOtter Β· stockotter.space

About OLD SECOND BANCORP INC

Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
12 analysts
Strong Buy3
Buy7
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Fool - Investing NewsΒ·10h ago

Old Second: 3 Key Takeaways for Long-Term Investors

Deposit competition pressures margins now, but loan book repricing soon offers natural relief.

24/7 Wall StreetΒ·2d ago

5 Dividend Stocks With Yields Up to 5.8%. Their Ex-Dividend Dates Are Almost Here

Five dividend payers go ex this week, and missing the cutoff by even one day means the seller collects instead of you. Which of these stocks pairs the highest yield with enough coverage to make it worth the rush?

Seeking AlphaΒ·7d ago

Old Second Bancorp, Inc. (OSBC) Q3 2026 Earnings Call Transcript

Old Second Bancorp, Inc. ( OSBC ) Q3 2026 Earnings Call October 22, 2026 10:00 AM EDT Company Participants James Eccher - President, CEO & Chairman of the Board Bradley Adams - Executive VP, COO & CFO Darin Campbell - Di

MarketBeatΒ·7d ago

Old Second Bancorp Q3 Earnings Call Highlights

Old Second Bancorp NASDAQ: OSBC reported third-quarter 2026 net income of $28.9 million, or $0.56 per diluted share, as a higher net interest margin and improving credit classifications were partly offset by elevated loa

Zacks Investment ResearchΒ·8d ago

Old Second Bancorp (OSBC) Misses Q3 Earnings and Revenue Estimates

Old Second Bancorp (OSBC) came out with quarterly earnings of $0.55 per share, missing the Zacks Consensus Estimate of $0.59 per share. This compares to earnings of $0.53 per share a year ago.

Zacks Investment ResearchΒ·8d ago

Old Second Bancorp (OSBC) Reports Q3 Earnings: What Key Metrics Have to Say

Although the revenue and EPS for Old Second Bancorp (OSBC) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estim