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Old Second Bancorp Inc

OSBC

18.000USD

+0.050+0.28%

Close 11/03, 16:00（ET）Quotes delayed by 15 min

811.01MMarket Cap

11.48P/E TTM



Old Second Bancorp Inc

18.000

+0.050+0.28%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Old Second Bancorp Inc

Currency: USD Updated: 2025-11-03

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Old Second Bancorp Inc's Score

Industry at a Glance

Industry Ranking

65 / 408

Overall Ranking

128 / 4617

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 6 analysts

Buy

Current Rating

22.083

Target Price

+23.03%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Old Second Bancorp Inc Highlights

StrengthsRisks

Old Second Bancorp, Inc. serves as the bank holding company for its wholly owned subsidiary bank, Old Second National Bank (the Bank). The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. It also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. It provides variety of additional services to the needs of individual customers, such as the money orders, cashiers’ checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides complement of electronic banking services such as online and mobile banking and corporate cash management products.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 15.44% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 269.38M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 11.04%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 11.04%.

Fairly Valued

The company’s latest PB is 1.13, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 34.02M shares, decreasing 3.82% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 2.71M shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-03

The company's current financial score is 5.91, which is lower than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 88.95M, representing a year-over-year increase of 31.35%, while its net profit experienced a year-over-year increase of 56.99%.

Score

Industry at a Glance

Previous score

5.91

Change



Financials

8.63

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

4.81

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.68

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

8.20

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.21

Key Metrics

Free cash flow

No Data

Old Second Bancorp Inc's Company Valuation

Currency: USD Updated: 2025-11-03

The company’s current valuation score is 8.84, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 11.95, which is 3.39% below the recent high of 12.36 and 48.90% above the recent low of 6.11.

Score

Industry at a Glance

Previous score

8.84

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 65/408

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-03

The company’s current earnings forecast score is 8.67, which is higher than the Banking Services industry's average of 7.41. The average price target for Old Second Bancorp Inc is 22.50, with a high of 24.50 and a low of 19.00.

Score

Industry at a Glance

Previous score

8.67

Change

Support & Resistance

No Data

Analyst Rating

Based on 6 analysts

Buy

Current Rating

22.083

Target Price

+23.03%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

Old Second Bancorp Inc

OSBC

Bank of America Corp

BAC

Wells Fargo & Co

WFC

JPMorgan Chase & Co

JPM

US Bancorp

USB

Zions Bancorporation NA

ZION

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-03

The company’s current price momentum score is 8.58, which is higher than the Banking Services industry's average of 7.43. Sideways: Currently, the stock price is trading between the resistance level at 18.95 and the support level at 16.85, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.65

Change

-0.07

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(2)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.083

Buy

RSI(14)

51.832

Neutral

STOCH(KDJ)(9,3,3)

58.571

Sell

ATR(14)

0.618

High Vlolatility

CCI(14)

-6.687

Neutral

Williams %R

35.714

Buy

TRIX(12,20)

0.166

Sell

StochRSI(14)

6.936

Oversold

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

18.210

Sell

MA10

18.208

Sell

MA20

17.771

Buy

MA50

17.916

Buy

MA100

17.827

Buy

MA200

17.423

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-03

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 64.59%, representing a quarter-over-quarter decrease of 5.54%. The largest institutional shareholder is The Vanguard, holding a total of 2.71M shares, representing 5.14% of shares outstanding, with 12.32% decrease in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

3.01M

-3.76%

The Vanguard Group, Inc.

Star Investors

2.71M

+0.10%

Dimensional Fund Advisors, L.P.

2.12M

+1.24%

FJ Capital Management, LLC

1.84M

+1.47%

Davis Asset Management, L.P.

1.38M

+25.86%

State Street Investment Management (US)

1.31M

-0.33%

American Century Investment Management, Inc.

1.23M

+7.70%

1st & Main Growth Partners

1.16M

-9.90%

Geode Capital Management, L.L.C.

1.15M

+2.18%

Goldman Sachs Asset Management, L.P.

1.07M

-6.10%

Risk Assessment

Currency: USD Updated: 2025-11-03

The company’s current risk assessment score is 7.72, which is higher than the Banking Services industry's average of 6.60. The company's beta value is 0.86. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.