Old Second Bancorp Inc (OSBC)

Currency in USD
19.90
-1.36(-6.40%)
Closed·
19.900.00(0.00%)
·
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Fair Value
Day's Range
19.8621.08
52 wk Range
14.1422.00
Key Statistics
Prev. Close
21.26
Open
21.08
Day's Range
19.86-21.08
52 wk Range
14.14-22
Volume
621.09K
Average Volume (3m)
329.77K
1-Year Change
8.0347%
Book Value / Share
17.03
Fair Value
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Fair Value Upside
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OSBC Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
23.33
Upside
+17.25%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins

Old Second Bancorp Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Strong Sell

Old Second Bancorp Inc Company Profile

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.

Sector
Financial
Employees
877

Old Second Bancorp Inc Earnings Call Summary for Q4/2025

  • Old Second Bancorp exceeded Q4 2025 expectations with EPS of $0.58 (16% above forecast) and revenue of $95.2 million, driving a 1.82% premarket stock increase to $21.86.
  • The bank reported strong financial metrics including a 5.09% net interest margin, 1.64% return on average assets, and 16.15% return on tangible common equity.
  • Management successfully completed the Evergreen Bank integration, improving operational efficiency while maintaining a high-quality loan portfolio with a 93.9% loan-to-deposit ratio.
  • For 2026, the company projects mid-single digit loan growth with modest 3% expense growth, while expecting net interest margin to remain stable at approximately 5% through 2027.
  • CEO Jim Eccher expressed optimism about future opportunities, noting the company may pursue share buybacks and maintain an opportunistic approach to potential mergers and acquisitions.
Last Updated: 01/23/2026, 12:02 AM
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Compare OSBC to Peers and Sector

Metrics to compare
OSBC
Peers
Sector
Relationship
P/E Ratio
13.1x11.1x10.1x
PEG Ratio
−0.980.590.03
Price/Book
1.2x1.3x1.0x
Price / LTM Sales
3.4x3.6x3.0x
Upside (Analyst Target)
15.6%10.5%12.5%
Fair Value Upside
Unlock−9.5%1.1%Unlock

Analyst Ratings

5 Buy
1 Hold
0 Sell
Ratings:
6 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 23.33
(+17.25% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
DA Davidson
Hold23.00+15.58%22.00MaintainJan 23, 2026
Raymond James
Buy21.00+5.53%-MaintainDec 04, 2025
Keefe, Bruyette & Woods
Buy23.00+15.58%22.00MaintainOct 24, 2025
Raymond James
Buy21.00+5.53%-MaintainJul 24, 2025
Piper Sandler
Buy24.50+23.12%22.00MaintainJul 02, 2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.62%
Dividend Yield
1.41%
Industry Median 3.22%
Annualized payout
0.28
Paid quarterly
5-Years Growth
+44.27%
Growth Streak

Earnings

Latest Release
Jan 21, 2026
EPS / Forecast
0.58 / 0.50
Revenue / Forecast
95.20M / 94.88M
EPS Revisions
Last 90 days

OSBC Income Statement

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FAQ

What Is the Old Second Bancorp (OSBC) Stock Price Today?

The Old Second Bancorp stock price today is 19.90

What Stock Exchange Does Old Second Bancorp Trade On?

Old Second Bancorp is listed and trades on the Nasdaq Stock Exchange stock exchange.

What Is the Stock Symbol for Old Second Bancorp?

The stock symbol for Old Second Bancorp is "OSBC."

Does Old Second Bancorp Pay Dividends? What’s The Current Dividend Yield?

The Old Second Bancorp dividend yield is 1.41%.

What Is the Old Second Bancorp Market Cap?

As of today, Old Second Bancorp market cap is 1.05B.

What Is Old Second Bancorp's Earnings Per Share (TTM)?

The Old Second Bancorp EPS (TTM) is 1.62.

When Is the Next Old Second Bancorp Earnings Date?

Old Second Bancorp will release its next earnings report on Apr 21, 2026.

From a Technical Analysis Perspective, Is OSBC a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Neutral.

How Many Times Has Old Second Bancorp Stock Split?

Old Second Bancorp has split 5 times.

How Many Employees Does Old Second Bancorp Have?

Old Second Bancorp has 877 employees.

What is the current trading status of Old Second Bancorp (OSBC)?

As of Jan 24, 2026, Old Second Bancorp (OSBC) is trading at a price of 19.90, with a previous close of 21.26. The stock has fluctuated within a day range of 19.86 to 21.08, while its 52-week range spans from 14.14 to 22.00.

What Is Old Second Bancorp (OSBC) Price Target According to Analysts?

The average 12-month price target for Old Second Bancorp is USD23.33, with a high estimate of USD26 and a low estimate of USD21. 5 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +17.25% Upside potential.

What Is the OSBC Premarket Price?

OSBC's last pre-market stock price is 22.00. The pre-market share volume is 110.00, and the stock has decreased by 0.74, or 3.48%.
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