Old Second Bancorp, Inc.
OSBC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.3B
$25.72
▲ +0.16%
P/E
14.70
Mkt Cap
$1.3B
52-Wk Range
$16.65–$26.06
52-Week Range
$16.65 - $26.06
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 38.9% over the trailing year
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
1 risk
- Low volatility (beta 0.7).
Growth
Mild headwinds expected
Expansion of commercial and real estate lending in growing Illinois suburban markets
Value
Fairly valued vs Commercial Banking peers
Momentum
Strong
+18.5% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
1.09% yield
Smart-money signal
Who's buying OSBC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 21, 2026
JUL 22, 2026
Reported EPS of $0.55 vs $0.55 consensus (+0.9% surprise). Revenue of $96.6M vs $94.9M expected (+1.8%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+0.9%
Revenue trend · last 8Q
—
—
+4%
+6%
+35%
+33%
+37%
+20%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$69.7M
$71.7M
$71.7M
$73.6M
$115.5M
$114.5M
$98.3M
$101.2M
Margins · last 8Q
Gross
0.0%
Operating
0.0%
Profit
27.9%
Wall Street consensus
2 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Jul 27, 2026
vs Industry
How OSBC stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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