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OSBC

Old Second Bancorp, Inc.

OSBC

NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.2B

$23.23

▼ -1.65%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$16.43 - $23.89

P/E

13.83

Fwd P/E

10.71

Beta

0.72

Div Yield

1.14%

Avg Vol

402.7K

Shares Out

52.7M

Mkt Cap

$1.2B

Price action

Price chart

Up 25.0% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

5 reasons

  • Strong regional market presence with 63 banking centers across high-density Illinois counties (Cook, DuPage, Kane)
  • Established community banking relationships and local decision-making authority versus larger national competitors
  • Diversified revenue streams spanning retail deposits, commercial lending, wealth management, and fee-based services
  • Comprehensive digital banking platform with mobile and online capabilities for customer convenience
  • Experienced management team with deep roots in Illinois market since 1981 incorporation
▼

Bear Case

2 risks

  • Low volatility (beta 0.7).
  • Growth premium of 0.9x vs Commercial Banking peers. Reasonable for this growth rate.

Growth

Mild headwinds expected

Expansion of commercial and real estate lending in growing Illinois suburban markets

Value

Growth premium of 0.9x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Strong

+13.9% over 3m

Quality

Excellent

High-growth business (42% revenue growth, 76% gross margin). Profitable with strong growth momentum.

Dividend

Modest

1.14% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 22, 2026

“
Q2 26 RECAP

APR 22, 2026

Reported EPS of $0.49 vs $0.52 consensus (-5.8% surprise). Revenue of $93.8M vs $93.2M expected (+0.6%).

EPS miss
Rev beat +0.6%

EPS surprise · last 4Q

0 of 1 beats

Q2 26

-5.8%

Next: Jul 22, 2026

Revenue trend · last 8Q

—

—

—

+4%

+6%

+35%

+33%

+37%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$69.5M

$69.7M

$71.7M

$71.7M

$73.6M

$115.5M

$114.5M

$98.3M

Margins · last 8Q

Gross

—

Operating

34.6%

Profit

26.0%

View full earnings history →

Wall Street consensus

2 analysts · 50% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

1

50%

Hold

1

50%

Sell

0%

Median Price Target

$25.00

▲ +7.6% vs $23.23

Low $25.00
Median $25.00
High $25.00

Latest: Piper Sandler · Jun 26, 2026

1 analyst covering

View full analyst page →

vs Industry

How OSBC stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.