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Old Second Bancorp, Inc.
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NASDAQ: OSBC Financials Bank 🔎 Screen
🏹 Trader: 🎯 Near 52W High | BRS 73 Forming View all →
$1.3B
Market Cap
12.9
P/E
0.49
PEG
—
ROCE
11.4%
ROE
0.52
D/E
—
OPM
-4.9%
% from 52W High
75
α RS
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🌏 Global Investor Returns
Currency-adjusted total returns for OSBC including FX impact
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📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Peer Medians
About

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.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding OSBC
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 90.2K $1.8M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-23
Q2 2026 saw strong net income, margin expansion, and improved credit quality, with non-performing assets and special mention loans declining sharply. Loan growth resumed, fee income rose, and capital levels remained robust amid ongoing share repurchases and a stable outlook for margins and expenses.
Q1 2026 Q1 2026 2026-04-23
Q1 2026 delivered strong net interest margin and earnings, despite elevated charge-offs in Powersports and select commercial credits. Capital and efficiency ratios improved, with loan growth and margin stability expected for the remainder of the year.
Q4 2025 Q4 2025 2026-01-22
Q4 2025 saw strong profitability, with adjusted net income of $30.8M and a 5.09% NIM. Powersports charge-offs were elevated but offset by high margins, while integration and cost initiatives drove efficiency. Loan growth and margin stability are expected in 2026.
Q3 2025 Q3 2025 2025-10-23
Q3 2025 results were driven by the Evergreen acquisition, boosting net interest income, margin, and loan growth. Asset quality softened modestly, but reserves and capital remain strong. Management expects stable margins, robust loan pipelines, and continued dividend growth.
Q2 2025 Q2 2025 2025-07-24
Q2 2025 saw strong profitability with $21.8M net income, robust loan growth, and improved capital ratios. Evergreen Bank's integration is ahead of expectations, with cost savings on track and margin outlook stable to positive. Management remains optimistic for 2025.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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