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Old Second Bancorp Inc

OSBC

21.040USD

+0.380+1.84%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

1.11BMarket Cap

12.83P/E TTM



Old Second Bancorp Inc

21.040

+0.380+1.84%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-02-06

Key Insights

Old Second Bancorp Inc's fundamentals are relatively stable, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 89 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 23.80.In the medium term, the stock price is expected to trend up.Despite a good stock market performance and strong technicals over the past month, the fundamentals don't support the current trend.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

89 / 397

Overall Ranking

145 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Neutral

Old Second Bancorp Inc Highlights

StrengthsRisks

Old Second Bancorp, Inc. is a financial services company. The Company is the holding company of 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 a variety of additional services to the needs of individual customers, such as money orders, cashiers' checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides a 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 17.82% year-on-year.

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%.

Overvalued

The company’s latest PB is 1.28, at a high 3-year percentile range.

Institutional Buying

The latest institutional holdings are 37.14M shares, increasing 2.97% quarter-over-quarter.

Held by CI Select Canadian Equity Fund

Star Investor CI Select Canadian Equity Fund holds 215.00 shares of this stock.

Analyst Rating

Based on 5 analysts

Buy

Current Rating

23.800

Target Price

+15.20%

Upside Space

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

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Old Second Bancorp Inc is 4.47, ranking 388 out of 397 in the Banking Services industry. Its financial status is weak, and its operating efficiency is low. Its latest quarterly revenue reached 91.21M, representing a year-over-year increase of 32.55%, while its net profit experienced a year-over-year increase of 50.64%.

Score

Industry at a Glance

Previous score

4.47

Change



Financials

5.44

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

2.38

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

2.83

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

6.99

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

4.71

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Old Second Bancorp Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Old Second Bancorp Inc is 8.84, ranking 29 out of 397 in the Banking Services industry. Its current P/E ratio is 12.83, which is 8.46% below the recent high of 13.91 and 52.40% 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 89/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of Old Second Bancorp Inc is 8.40, ranking 43 out of 397 in the Banking Services industry. The average price target is 22.50, with a high of 24.50 and a low of 19.00.

Score

Industry at a Glance

Previous score

8.40

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 5 analysts

Buy

Current Rating

23.800

Target Price

+15.20%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Old Second Bancorp Inc

OSBC

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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: 2026-02-06

The current price momentum score of Old Second Bancorp Inc is 8.98, ranking 244 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 22.38 and the support level at 19.33, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.47

Change

1.51

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(1)

Neutral(2)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.108

Buy

RSI(14)

59.528

Neutral

STOCH(KDJ)(9,3,3)

85.463

Buy

ATR(14)

0.726

High Vlolatility

CCI(14)

82.194

Neutral

Williams %R

31.475

Buy

TRIX(12,20)

0.065

Sell

StochRSI(14)

100.000

Overbought

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

20.648

Buy

MA10

20.227

Buy

MA20

20.338

Buy

MA50

20.077

Buy

MA100

18.971

Buy

MA200

18.196

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Old Second Bancorp Inc is 7.00, ranking 57 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 70.53%, representing a quarter-over-quarter increase of 7.94%. The largest institutional shareholder is The Vanguard, holding a total of 3.27M shares, representing 6.20% of shares outstanding, with 3.40% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

3.30M

+9.82%

The Vanguard Group, Inc.

Star Investors

3.26M

+20.44%

Dimensional Fund Advisors, L.P.

2.20M

+4.08%

FJ Capital Management, LLC

1.92M

+4.50%

Davis Asset Management, L.P.

1.50M

+8.34%

American Century Investment Management, Inc.

1.39M

+13.07%

State Street Investment Management (US)

1.37M

+4.74%

Geode Capital Management, L.L.C.

1.36M

+18.40%

Kennedy Capital Management LLC

1.09M

+9.66%

1st & Main Growth Partners

1.01M

-13.05%

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Old Second Bancorp Inc is 8.55, ranking 80 out of 397 in the Banking Services industry. The company's beta value is 0.78. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.