Old Second Bancorp, Inc.
OSBC
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Old Second Bancorp is well-positioned in the regional banking sector with a strong revenue growth of 22.7% year-over-year, indicating robust demand for its services.
- In the latest quarter, OSBC reported a revenue increase of 3% compared to the previous quarter, reaching $95 million.
- The company has a trailing P/E ratio of 14.23, suggesting it is attractively valued compared to its earnings.
- The financial services industry faces increasing competition from fintech companies, which may pressure traditional banks like OSBC to innovate more rapidly.
- Old Second Bancorp's net income for the latest quarter was $28.179 million, which is lower than the $28.787 million reported in the previous quarter.
- The company's beta of 0.77 indicates lower volatility compared to the market, but it may also reflect a lack of growth momentum in a rising market.
Fundamentals
| Market cap | $1.26B | Enterprise value | $1.59B | Trailing P/E | 14.13 | Forward P/E | 10.17 |
| PEG | 1.51 | Price / book | 1.40 | Beta | 0.77 | Dividend yield | 1.13% |
| Revenue growth | 22.7% | Earnings growth | 12.5% | Gross margin | 0.0% | Operating margin | 44.7% |
| Profit margin | 27.1% | ROE | 11.4% | ROA | 1.5% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | buy | Mean target | $28.33 |
| 52w high | $26.06 | 52w low | $16.65 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $95.0M | $92.3M | $93.6M | $94.2M | $73.6M |
| Op margin | — | — | — | — | — |
| Net income | $28.2M | $25.6M | $28.8M | $9.9M | $21.8M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
- Revenue +3% vs prior quarter ($95M vs $92M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $333M | $280M | $281M | $245M | — |
| Op margin | — | — | — | — | — |
| Net income | $80.3M | $85.3M | $91.7M | $67.4M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-07 · Reflecting On Regional Banks Stocks’ Q2 Earnings: Old Second Bancorp (NASDAQ:OSBC)
2026-10-06 · Raymond James Upgrades Old Second Bancorp to Strong Buy From Outperform, Raises Price Target to $30 From $27
2026-10-01 · 2 Safe-and-Steady Stocks on Our Watchlist and 1 Facing Challenges
2026-09-24 · 2 Reasons to Watch OSBC and 1 to Stay Cautious
2026-09-18 · 1 Bank Stock Worth Investigating and 2 We Avoid
2026-09-09 · O2 Sponsor Finance Hires Kyle Bucsa as Assistant Vice President
2026-09-08 · Old Second Bancorp Insider Sold Shares Worth $640,768, According to a Recent SEC Filing
2026-09-02 · O2 Sponsor Finance Hires Aaron Markos as Senior Vice President
2026-08-26 · 1 Stock Under $50 with Solid Fundamentals and 2 Facing Challenges
2026-08-21 · Is Old Second Bancorp (OSBC) Undervalued Following Its $200 Million Shelf Filing?
2026-08-20 · Old Second Bancorp (OSBC) Stock Looks Like A Bargain On Current Earnings
2026-08-18 · 3 Market-Beating Stocks with Competitive Advantages
Price (daily)
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