Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

OSBC stock hub

Old Second Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.1B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

OSBC

In the news

Latest news · OSBC

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.5

P25 8.8P50 10.4P75 13.1

Trailing P/E12.7

P25 10.9P50 14.7P75 36.2

ROE10.8

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All OSBC market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

224

Groups with data

Currency

USD

Showing 224 of 224 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000357173
Company name	Old Second Bancorp, Inc.
Country	United States
Country code	US
Cusip	680277100
Employees	1,062
Employees Change	185%
Employees Change Percent	21.09
Enterprise value	$1.3B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US6802771005
Last refreshed	2026-05-10
Market cap	$1.1B
Market cap category	Small-Cap
Price	$21.28
Price currency	USD
Rev Per Employee	305,943.5x
Sector	Financials
Sic	6022
Symbol	OSBC
Website	https://www.oldsecond.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.86%
EV Earnings	15.09x
EV Sales Forward	3.31x
EV/Sales	4x
Forward P/E	9.52x
P/B ratio	1.23x
P/E ratio	12.7x
P/S ratio	3.37x
PE Ratio10 Y	13.22x
PE Ratio3 Y	9.08x
PE Ratio5 Y	11.93x
PS Forward	2.79x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$324.9M
Net Income	$86.1M
Net Income Growth	2.73%
Net Income Growth Q	29.02%
Net Income Growth Quarters	1%
Net Income Growth Years	0%
Net Income Growth3 Y	2.9%
Net Income Growth5 Y	16.9%
Pretax Margin	35.58%
Profit Margin	26.49%
Profit Per Employee	$81,040
Profitable Years	13
ROA	1.37
Roa5y	1.18
ROE	10.84
Roe5y	12.11

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.94%
Cagr15y	21.95%
Cagr1y	31.95%
Cagr20y	-0.91%
Cagr3y	23.3%
Cagr5y	10.19%
Div CAGR10	39.04%
Div CAGR3	10.52%
Div CAGR5	27.54%
EPS Growth	-8.45
EPS Growth Q	11.63
EPS Growth Quarters	1
EPS Growth Years	0
EPS Growth3 Y	-1.26
EPS Growth5 Y	5
Revenue Growth	17.84x
Revenue Growth Q	19.19x
Revenue Growth Quarters	5x
Revenue Growth Years	5x
Revenue Growth3 Y	8.21x
Revenue Growth5 Y	19.09x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$6.8B
Cash	$119.8M
Debt	$324.1M
Equity	$893.3M
Liabilities	$6B
Net Cash	$-204.3M
Net Cash By Market Cap	$-18.67
Net Debt Equity	$0.23
Tangible Book Value	$741.6M
Tangible Book Value Per Share	$14.35
WACC	6.28

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-5.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-12.65%
Dividend Growth	17.39%
Dividend Growth Years	2%
Dividend per share	$0.28
Dividend Years	11
Dividend Yield	1.32%
Ex Div Date	2026-05-01
Last Dividend	$0.07
Payout Frequency	Quarterly
Payout Ratio	16.12%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	237.54%
1Y total return	31.93%
200-day SMA	19.2
3Y total return	87.47%
50-day SMA	20.4
50-day SMA vs 200-day SMA	50over200
5Y total return	62.47%
All Time High	35.31
All Time High Change	-39.73%
All Time High Date	2005-02-16
All Time Low	0.69
All Time Low Change	2,989.88%
All Time Low Date	2010-09-03
ATR	0.59
Beta	0.71
Beta1y	0.76
Beta2y	0.84
Ch YTD	9.13
High	21.34
High52	22.43
High52 Date	2026-04-17
High52ch	-5.13%
Low	21.07
Low52	16.21
Low52 Date	2025-06-05
Low52ch	31.28%
Ma50ch	4.32%
Price vs 200-day SMA	10.83%
RSI	56.74
RSI Monthly	66.01
RSI Weekly	58.94
Sharpe ratio	1.02x
Sortino ratio	1.71
Total Return	-11.33%
Tr YTD	9.89
Tr15y	1,862.62%
Tr1m	1.97%
Tr1w	2.36%
Tr3m	1.49%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	4
Analyst Count Top	2
Analyst Price Target Top	$24
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.52
Earnings EPS Estimate Growth	15.56
Earnings Revenue Estimate	85,804,880x
Earnings Revenue Estimate Growth	17.37x
Operating Income	$122.9M
Operating margin	37.83
Price target	$23.5
Price Target Change	$10.43
Price Target Change Top	$12.78

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	49,887,690%
Float Percent	97%
Shares Insiders	3.68%
Shares Institutions	73.53%
Shares Out	51,432,372
Shares Qo Q	-0.33%
Shares Yo Y	12.65%
Short Float	2.85%
Short Ratio	3.52
Short Shares	2.76

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	439,774.7x
Bv Per Share	17.29
CAPEX	$-3.7M
Ch10y	208
Ch15y	1,688.2
Ch1m	1.62
Ch1w	2.36
Ch1y	30.07
Ch20y	-30.84
Ch3m	1.14
Ch3y	79.88
Ch5y	51.35
Ch6m	16.16
Change	0.95%
Change From Open	1
Close	21.08
Days Gap	-0.05
Dollar Volume	6,889,144.6
Earnings Date	2026-04-22
Earnings Time	amc
EPS	$1.68
F Score	4
Financing CF	-394,428,000
Fiscal Year End	December
Founded	1,981
Goodwill	129,196,000
Graham Number	25.52951
Graham Upside	19.97
Income Tax	$29.6M
Investing CF	112,669,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-22
Last Report Date	2026-03-31
Last Split Date	2004-07-29
Last Split Type	Forward
Last10k Filing Date	2026-02-26
Lynch Fair Value	$28.31
Lynch Upside	33.03
Ma150	19.69
Ma150ch	8.1%
Ma20	21.04
Ma20ch	1.16%
Net CF	-140,394,000
Next Earnings Date	2026-07-22
Open	21.07
Optionable	Yes
P OCF Ratio	7.74
Payment Date	2026-05-11
Position In Range	77.78
Post Close	21.28
Postmarket Change Percent	0.05
Postmarket Price	$21.29
Ppne	85,634,000
Price Date	2026-05-08
Ptbv Ratio	1.48
Relative Volume	0.74x
Revenue	324,912,000x
SBC By Revenue	1.73x
Share Based Comp	5,609,000
Tax By Revenue	9.09x
Tax Rate	25.56%
Tr20y	-16.71%
Tr6m	16.96%
Us State	Illinois
Volume	323,738

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

OSBC dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.3%

$0.28 annual per share

Payout ratio

+16.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+27.5%

2 consecutive years of growth

Total shareholder yield

-11.3%

Next ex-dividend date: 2026-05-01

Performance

OSBC stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns OSBC?

Insider, institutional, and short-interest positioning.

Institutional ownership

+73.5%

Float: +97.0% of shares outstanding

Insider ownership

+3.7%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

OSBC momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

56.7

Neutral momentum band

Price vs 200-day MA

+10.8%

50/200-day relationship not available

Beta (5Y)

0.71

Less volatile than the market

Sharpe ratio

1.02

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

OSBC vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Сокращать
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Сокращать
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Сокращать

Questions

About OSBC

Hub-level FAQ points readers to the deeper analysis pages.

What is the current OSBC stock rating?

Old Second Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full OSBC analysis?

The full report lives at /stocks/OSBC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for OSBC?

The latest report frames OSBC around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the OSBC page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.