Old Second Bancorp Inc (OSBC)

Currency in USD
24.43
-0.28(-1.13%)
Closed·
24.430.00(0.00%)
·
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Fair Value
Day's Range
24.2824.66
52 wk Range
17.1126.05
Key Statistics
Prev. Close
24.43
Open
24.4
Day's Range
24.28-24.66
52 wk Range
17.11-26.05
Volume
927.14K
Average Volume (3m)
496K
1-Year Change
31.6272%
Book Value / Share
17.27
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
28.33
Upside
+15.98%
Members' Sentiments
Bearish
Bullish
ProTips
2 analysts have revised their earnings downwards for the upcoming period

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

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 28.33
(+15.98% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Raymond James
Buy30.00+22.80%27.00UpgradeOct 06, 2026
Piper Sandler
Buy30.00+22.80%26.00MaintainJul 27, 2026
DA Davidson
Hold25.00+2.33%24.00MaintainJul 24, 2026
Raymond James
Buy26.00+6.43%-New CoverageJul 07, 2026
Piper Sandler
Buy26.00+6.43%25.00MaintainJun 26, 2026

Old Second Bancorp Inc Earnings Call Summary for Q3/2026

  • Q3 EPS of $0.56 missed consensus by $0.02; revenue of $97.1M fell short by $1.12M, though net interest margin rose to 5.27% from 5.23% prior quarter.
  • Credit quality improved sharply with criticized loans down 38% and classified loans at lowest levels since pre-pandemic; legacy charge-offs largely resolved.
  • Company raised dividend 14% and continued buybacks; expects to repurchase ~5% of shares annually while maintaining flexibility for small acquisitions.
  • Management expects margins to stay 'solidly above 520 bps' near-term despite deposit competition; loan growth to return to low-single-digit pace in Q4.
  • New Ducati USA partnership anticipated to modestly boost Q4 powersport lending with more substantial impact in 2027; expense growth guided at 3-4% annually.
Last Updated: 22/10/2026, 15:40
Read Full Transcript

Earnings

Latest Release
Oct 21, 2026
EPS / Forecast
0.56 / 0.58
Revenue / Forecast
97.1M / 98.22M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 2.16
Dividend Yield
1.15%
Industry Median 2.84%
Annualised payout
0.28
Paid quarterly
5-Years Growth
+18.47%
Growth Streak

OSBC Income Statement

Compare OSBC to Peers and Sector

Metrics to compare
OSBC
Peers
Sector
Relationship
P/E Ratio
10.8x13.3x9.2x
PEG Ratio
0.250.440.03
Price/Book
1.4x1.5x1.0x
Price / LTM Sales
3.4x4.5x2.8x
Upside (Analyst Target)
16.0%14.5%20.2%
Fair Value Upside
Unlock2.0%3.8%Unlock

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 provides 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
1062

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
17.23M34.86%420.85M
Other Institutional Investors
21.82M44.16%533.09M
Public Companies & Retail Investors
10.37M20.98%253.33M
Total
49.42M100.00%1.21B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.8.70%4,298,683105,017
Dimensional Fund Advisors LP5.21%2,575,75262,926

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FAQ

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

The Old Second Bancorp stock price today is 24.43 USD.

What Stock Exchange Does Old Second Bancorp Trade On?

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

What Is the Stock Symbol for Old Second Bancorp?

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

What Is the Old Second Bancorp Market Cap?

As of today, Old Second Bancorp market cap is 1.22B USD.

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

The Old Second Bancorp EPS (TTM) is 2.16.

When Is the Next Old Second Bancorp Earnings Date?

Old Second Bancorp will release its next earnings report on Jan 27, 2027.

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 Strong Sell.

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 1062 employees.

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

As of Oct 24, 2026, Old Second Bancorp (OSBC) is trading at a price of 24.43 USD, with a previous close of 24.43 USD. The stock has fluctuated within a day range of 24.28 USD to 24.66 USD, while its 52-week range spans from 17.11 USD to 26.05 USD.

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

The average 12-month price target for Old Second Bancorp is 28.33 USD, with a high estimate of 30 USD and a low estimate of 25 USD. 5 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +15.98% Upside potential.

What Is the OSBC Premarket Price?

OSBC's last pre-market stock price is 24.80 USD. The pre-market share volume is 430.00, and the stock has decreased by 0.09, or 0.36%.
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