Old Second Bancorp (OSBC) Stock Price, News & Analysis

Company Overview

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It offers demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificates of deposit accounts. The company also provides commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. In addition, it offers safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. Further, 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. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.

Key Stats

• Today's Range: $16.50 to $17.09
• 50-Day Range: $16.18 to $19.40
• 52-Week Range: $13.20 to $19.46
• Volume: 626,831 shs
• Average Volume: 234,389 shs
• Market Capitalization: $762.20 million
• P/E Ratio: 9.05
• Dividend Yield: 1.42%
• Price Target: $20.90
• Consensus Rating: Buy

Old Second Bancorp Stock Analysis - MarketRank™

Old Second Bancorp scored higher than 66% of companies evaluated by MarketBeat, and ranked 487th out of 944 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

Old Second Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Old Second Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Earnings Growth

Earnings for Old Second Bancorp are expected to remain at $1.86 per share in the coming year.

Price to Earnings Ratio vs. the Market

The P/E ratio of Old Second Bancorp is 9.05, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.47.

Price to Earnings Ratio vs. Sector

The P/E ratio of Old Second Bancorp is 9.05, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.58.

Price to Book Value per Share Ratio

Old Second Bancorp has a P/B Ratio of 1.31. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.94% of the float of Old Second Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Old Second Bancorp has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Old Second Bancorp has recently increased by 36.91%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Old Second Bancorp pays a meaningful dividend of 1.42%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Old Second Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Old Second Bancorp is 12.83%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Old Second Bancorp will have a dividend payout ratio of 12.90% next year. This indicates that Old Second Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.94% of the float of Old Second Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Old Second Bancorp has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Old Second Bancorp has recently increased by 36.91%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 1.88

News Sentiment

Old Second Bancorp has a news sentiment score of 1.88. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Old Second Bancorp this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for OSBC on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Old Second Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $418.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.80% of the stock of Old Second Bancorp is held by insiders.

Percentage Held by Institutions

67.76% of the stock of Old Second Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

OSBC Stock Analysis - Frequently Asked Questions

How have OSBC shares performed this year?

Old Second Bancorp's stock was trading at $17.78 at the beginning of 2025. Since then, OSBC stock has decreased by 4.8% and is now trading at $16.92.
View the best growth stocks for 2025 here.

How were Old Second Bancorp's earnings last quarter?

Old Second Bancorp, Inc. (NASDAQ:OSBC) announced its quarterly earnings data on Wednesday, January, 22nd. The financial services provider reported $0.44 earnings per share for the quarter, missing analysts' consensus estimates of $0.48 by $0.04. Old Second Bancorp had a net margin of 24.95% and a trailing twelve-month return on equity of 13.73%.

Who are Old Second Bancorp's major shareholders?

Top institutional investors of Old Second Bancorp include Vanguard Group Inc. (5.88%), Dimensional Fund Advisors LP (4.50%), FJ Capital Management LLC (4.00%) and Banc Funds Co. LLC (3.60%). Insiders that own company stock include John Ladowicz, Gary S Collins, Rocks Patti Temple, Billy J Jr Lyons and William B Skoglund.
View institutional ownership trends.

How do I buy shares of Old Second Bancorp?

Shares of OSBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Old Second Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Old Second Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Broadcom (AVGO), Adobe (ADBE), ServiceNow (NOW) and Netflix (NFLX).

Company Calendar

• Last Earnings: 1/22/2025
• Ex-Dividend for 2/10 Dividend: 1/31/2025
• Dividend Payable: 2/10/2025
• Today: 3/24/2025
• Next Earnings (Estimated): 4/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OSBC
• CIK: 357173
• Web: www.oldsecond.com
• Phone: (630) 892-0202
• Fax: 630-892-9630
• Employees: 890
• Year Founded: 1871

Price Target and Rating

• Average Stock Price Target: $20.90
• High Stock Price Target: $24.00
• Low Stock Price Target: $18.00
• Potential Upside/Downside: +23.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.87
• Trailing P/E Ratio: 9.05
• Forward P/E Ratio: 9.10
• P/E Growth: N/A
• Net Income: $85.26 million
• Net Margins: 24.95%
• Pretax Margin: 33.36%
• Return on Equity: 13.73%
• Return on Assets: 1.52%

Debt

• Debt-to-Equity Ratio: 0.13
• Current Ratio: 0.84
• Quick Ratio: 0.84

Sales & Book Value

• Annual Sales: $279.90 million
• Price / Sales: 2.72
• Cash Flow: $2.00 per share
• Price / Cash Flow: 8.48
• Book Value: $12.91 per share
• Price / Book: 1.31

Miscellaneous

• Outstanding Shares: 45,047,000
• Free Float: 43,149,000
• Market Cap: $762.20 million
• Optionable: Optionable
• Beta: 1.04