Old Second Bancorp, Inc. OSBC R2K

Q: What is the current share price of Old Second Bancorp, Inc. (OSBC)?

As of 2026-07-15 16:51 PDT, Old Second Bancorp, Inc. (OSBC) trades at $23.19 on NasdaqGS. Its 52-week range is $16.38 to $23.62.

Q: What is the market capitalisation of OSBC?

Old Second Bancorp, Inc. (OSBC) has a market capitalisation of $1.19B on NasdaqGS.

Q: What is the P/E ratio of OSBC?

OSBC trades at a trailing price-to-earnings (P/E) ratio of 13.89. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.34.

Q: Does OSBC pay a dividend?

Old Second Bancorp, Inc. (OSBC) currently offers a dividend yield of 1.17%.

Q: What is the return on equity (ROE) of OSBC?

OSBC has a return on equity (ROE) of 10.84%.

Q: Is OSBC a good stock to buy?

This page provides a data-driven analysis of Old Second Bancorp, Inc. (OSBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

Financial Services · Banks - Regional · United States

https://www.oldsecond.com

Company Profile ↓

$23.19

+24.05% 1Y

Mkt Cap$1.19B

P/E13.89

P/B1.34

Div. Yield1.17%

52W High$23.62

52W Low$16.38

Book Value$17.29

EPS (TTM)$1.67

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 15.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 10.8% CAGR over the past five years.

Reasonable Valuation

Trades at an undemanding P/E of 13.9.

Healthy Margins

Maintains a net profit margin of 26.5%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

Dec 2025 Revenue of $333.10M (+19.0% YoY); net profit $80.31M.
Trailing 12 Months Year-on-year growth — revenue +19.2%, earnings +11.6%.
5-Year Trend Long-term compounding — revenue CAGR 10.8%, profit CAGR 15.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:	10.79%
1 Year:	19.20%

Compounded Profit Growth

5 Years:	15.27%
1 Year:	11.60%

Stock Price Performance

1 Year:	+24.05%
6 Months:	+18.35%
3 Months:	+7.68%
1 Month:	+3.07%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish

52-Week Range 94% of range

$16.38 $23.62

Trend Signals

Price vs 50-DMAAbove
Price vs 200-DMAAbove
RSI (14)60.91 · Neutral

Price Performance

1M+3.07%

3M+7.68%

6M+18.35%

1Y+24.05%

Valuation vs Sector

P/E of 13.89 is above the sector median of 13.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

Price Chart

Robinhood TradingView

Fundamental Growth Charts

Period: Metric:

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

Excellent profit margin of 26.5%.
Compounding revenue at 10.8% over 5 years.
Profit CAGR of 15.3% over 5 years.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Valuation

Stock P/E

13.89

Industry PE

13.52

Forward P/E

10.09

PEG Ratio

1.51

Book Value

$17.29

Price to Book

1.34

P/S

3.66

EV/EBITDA

Dividend Yield

1.17%

Growth (CAGR)

Revenue 5Y

10.79%

Profit 5Y

15.27%

Revenue (YoY)

19.20%

Earnings (YoY)

11.60%

Profitability & Returns

ROCE

ROE

10.84%

ROA

1.37%

Profit Margin

26.49%

Op Margin

42.50%

Gross Margin

0.00%

EPS (Latest Qtr)

$0.48

EPS (TTM)

$1.67

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$324.14M

Total Assets

$6.85B

Current Assets

Working Capital

Ownership

Promoter Holding

4.53%

Chg in Prom Hold

FII / Inst Holding

76.23%

Chg in FII Hold

0.56%

Financial Snapshot

Enterprise Value

$1.19B

Total Revenue (TTM)

$324.91M

EBITDA

Free Cash Flow

$117.76M

Operating Cash Flow

$141.36M

Shares Outstanding

51.43M

Gross Margin

0.00%

Payout Ratio

15.57%

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OSBC Old Second Bancorp, Inc. R2K	23.19	13.89	$1.19B	1.17%	-	10.84%	10.79%	15.27%
2	JPM JPMorgan Chase & Co. SPX	346.91	16.61	$929.55B	1.87%	-	16.47%	5.35%	7.56%
3	BRK-B Berkshire Hathaway Inc. SPX	488.35	14.54	$682.86B	0.00%	-	10.50%	4.18%	9.44%
4	V Visa Inc. SPX	355.14	30.99	$589.43B	0.75%	37.15%	60.35%	14.33%	13.04%
5	MA Mastercard Incorporated SPX	535.21	30.99	$469.40B	0.65%	60.19%	-	12.29%	19.21%
6	BAC Bank of America Corporation SPX	61.59	15.28	$432.24B	1.88%	-	10.64%	6.00%	3.49%
7	MS Morgan Stanley SPX	228.55	20.70	$360.49B	1.76%	-	16.39%	3.76%	9.66%
8	GS The Goldman Sachs Group, Inc. SPX	1,152.07	17.79	$339.87B	1.58%	-	16.95%	-	2.21%
9	WFC Wells Fargo & Company SPX	87.51	13.53	$267.80B	2.11%	-	12.03%	4.02%	15.98%

Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	71.72M	73.64M	94.18M	93.55M	92.25M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.66M	11.00M	21.30M	19.25M	17.20M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.20M	29.21M	13.07M	39.27M	34.06M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.37M	7.39M	3.20M	10.48M	8.48M
Net Income	3.48M	72.92M	2.20M	2.02M	2.92M	3.50M	4.13M	3.92M	3.32M	3.85M	3.50M	4.43M	5.15M	8.08M	9.49M	6.26M	9.64M	8.47M	9.28M	12.17M	275.00K	9.24M	10.27M	11.88M	8.82M	8.41M	12.02M	12.25M	19.52M	23.61M	25.56M	24.34M	21.31M	21.89M	22.95M	19.83M	21.82M	9.87M	28.79M	25.59M
Diluted EPS	0.15	5.08	0.04	0.26	0.06	0.09	0.12	0.12	0.11	0.13	0.12	0.15	0.17	0.27	0.31	0.21	0.32	0.28	0.31	0.40	0.01	0.31	0.34	0.40	0.30	0.29	0.27	0.27	0.43	0.52	0.56	0.54	0.47	0.48	0.50	0.43	0.48	0.18	0.54	0.48

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	244.92M	280.99M	279.90M	333.10M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	10.32M	40.04M	56.27M	62.22M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	91.55M	124.41M	112.96M	107.75M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	24.14M	32.68M	27.69M	27.44M
Net Income	-108.65M	-6.50M	-72.00K	82.08M	10.14M	15.38M	15.68M	15.14M	34.01M	39.45M	27.82M	-	67.41M	91.73M	85.26M	80.31M
Diluted EPS	-8.03	-0.79	-0.36	5.45	0.46	0.46	0.53	0.50	1.12	1.30	0.92	-	1.49	2.02	1.87	1.62

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	2.12B	1.94B	2.05B	2.00B	2.06B	2.08B	2.25B	2.38B	2.68B	2.64B	3.04B	6.21B	5.89B	5.72B	5.65B	6.90B
Total Equity	197.21M	83.96M	74.00M	72.55M	147.69M	194.16M	155.93M	175.21M	200.35M	229.08M	277.86M	307.09M	502.03M	461.14M	577.28M	671.03M	896.77M
Cash & Equivalents	-	-	-	-	-	44.20M	40.34M	47.33M	55.83M	55.23M	50.63M	329.90M	752.11M	115.18M	100.14M	99.33M	124.03M
Total Liabilities	-	2.04B	1.87B	1.97B	1.86B	1.87B	1.92B	2.08B	2.18B	2.45B	2.36B	2.73B	5.71B	5.43B	5.15B	4.98B	6.01B

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	21.14M	27.26M	37.10M	54.91M	52.64M	25.99M	31.05M	97.34M	116.40M	131.53M	122.26M
Investing Cash Flow	-	-	-	-	-	-32.20M	-123.07M	-132.49M	-25.84M	42.21M	-103.81M	132.92M	-432.78M	161.56M	322.70M	159.82M
Financing Cash Flow	-	-	-	-	-	7.20M	102.81M	103.88M	-29.66M	-99.45M	357.09M	258.24M	-301.50M	-292.99M	-455.05M	-257.39M
Capital Expenditure	-927.00K	-800.00K	-1.05M	-1.80M	-1.10M	-1.28M	-1.99M	-1.05M	-1.90M	-4.38M	-3.92M	-2.03M	-4.33M	-12.38M	-10.79M	-4.50M
Free Cash Flow	-	-	-	-	-	19.86M	25.27M	36.05M	53.01M	48.26M	22.07M	29.01M	93.01M	104.03M	120.75M	117.76M
Share Buybacks	40.00K	49.00K	63.00K	278.00K	46.00K	117.00K	254.00K	236.00K	505.00K	666.00K	5.92M	10.42M	455.00K	605.00K	1.05M	7.41M
Dividends Paid	3.16M	-	-	-	12.39M	-	-	-	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	27.5%	32.6%	30.5%	24.1%
ROE %	-129.4%	-8.8%	-0.1%	55.6%	5.2%	9.9%	9.0%	7.6%	14.8%	14.2%	9.1%	-	14.6%	15.9%	12.7%	9.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.53%

Institutions

76.23%

Public Float

79.84%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.02%	4.13M	$95.27M
2	Dimensional Fund Advisors LP	4.64%	2.39M	$55.16M
3	Vanguard Capital Management LLC	4.38%	2.25M	$52.00M
4	Davis Asset Management, L.P.	3.50%	1.80M	$41.56M
5	Goldman Sachs Group Inc	3.29%	1.69M	$39.06M
6	State Street Corporation	3.11%	1.60M	$36.93M
7	American Century Companies Inc	3.09%	1.59M	$36.73M
8	FJ Capital Management LLC	2.93%	1.51M	$34.75M
9	Boston Partners	2.81%	1.44M	$33.34M
10	Geode Capital Management, LLC	2.49%	1.28M	$29.60M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for OSBC

Google News Wed, 15 Jul 2026

Old Second Bancorp (OSBC) Reports Next Week: Wall Street Expects Earnings Growth - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxOVnRLRy1velFfZzJnc1E5aGY4SDQ3Ql9odENuM3NnRDBFcHJVa0JXRVFfMkpHV3VqUS1ST05lcVRQdzRRelhqZ09Va0FSTGpRYnV6WmRPendGc2dUTVplZ19wdW9KSExfRmgxWjJiNlhqczNhVHQ5ek9PV19KeFAtUkJPdUVIWlFGbklLbm…

Google News Wed, 15 Jul 2026

Old Second Bancorp (OSBC) to Post Earnings on Wednesday - MarketBeat

<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxPREstMWgyWjlEaDltQnFWcHlLd0FIOGpUcUJUY1hNNFdxRlZNU1A4V3IzeUdLNHFaa3h3M2VJeURuNUV2OEFTYmVWLXJtMWRrak1hT0FWb0UzdlgwV2t3MGp1VTlRVUZwSUhITHAtY3ptbXR1ZFV1WTl4V1ZpbWxQSUVuNGt5a1FIZnhOQ0…

Google News Wed, 15 Jul 2026

Are Options Traders Betting on a Big Move in Old Second Bancorp Stock? - Zacks Investment Research

<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxONk9FS1hQclduVFI5Wk1VcHhxMnBvYTJvUE45UDVTUFEzQ0l2M0wtWDIxaTFPdWJ6MjEtTlNBa2hKX3Q3d2RYOVRndkRibnZhRklnTDhpaGZkbXk1SmZlSG9WbjI3eHNCNDVSb0pDazQ1Ymw3UjBiNXZxQWwyZE5XVDJERHluTEFXWEdkbj…

Google News ue, 30 Jun 2026

O2 Sponsor Finance elevates lender Chris Gallun to First VP - Stock Titan

<a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxOUHp6YkFNUkt5S2REWUtjeENxdlZkVXFIQWVNUVBTQTF6ZVFuRUxscG1lWU1NejV6engwT1pwNGxEekF5R3UyRm1SWF9HT3VoeG1iTWpXclVmUzNERkg2dHlBWFFjN0N0dzdYWlpkMHNTT0Y2QnNnTzQtSl9kRkQ4b2ZFdFFOOGFGc0RvVX…

Google News Fri, 26 Jun 2026

Old Second Bancorp Announces New Share Repurchase Program - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxNa2RWYkp6bEJKVFA1WlFjWEVYb0NRU1Fjb2M3TVBKMS02QnBTaGtySlBQVHhfRTBXZTdSU0N6N3JSTHk4dklYSGpJOW53TzBORjR5TDl0dzFYOUozMmRzakVlVm1TcDljcURFT2tnWDBkR016TFpvOU5Zb1UwcjhpOTZKZTNiRW1XNWY5Vy…

Google News ue, 07 Jul 2026

Does Index Inclusion And A Larger Buyback Authorization Change The Bull Case For Old Second Bancorp (OSBC)? - simplywall.st

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxONFlEUHBmNkpYd244eURldlZZYWRzNG5JQkpYb2NnYW84cFd4SDRuWnNfNGpnNE1VUkRDNHkxWFpnUE9zMERBbnlRUTZFR3F2eURsWmZQQm5DTTVmTkpSeTBSWE9jdm1KTENSQ2lxM1VXaHdUMFNqWl9iZldjek05RVNPeG1ZUjhfUXpoQ2…

OSBC — Frequently Asked Questions

What is the current share price of Old Second Bancorp, Inc. (OSBC)?

As of 2026-07-15 16:51 PDT, Old Second Bancorp, Inc. (OSBC) trades at $23.19 on NasdaqGS. Its 52-week range is $16.38 to $23.62.

What is the market capitalisation of OSBC?

Old Second Bancorp, Inc. (OSBC) has a market capitalisation of $1.19B on NasdaqGS.

What is the P/E ratio of OSBC?

OSBC trades at a trailing price-to-earnings (P/E) ratio of 13.89. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.34.

Does OSBC pay a dividend?

Old Second Bancorp, Inc. (OSBC) currently offers a dividend yield of 1.17%.

What is the return on equity (ROE) of OSBC?

OSBC has a return on equity (ROE) of 10.84%.

Is OSBC a good stock to buy?

This page provides a data-driven analysis of Old Second Bancorp, Inc. (OSBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

Explore More

📊 Financial Services Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All USA Stocks

Old Second Bancorp, Inc. OSBC R2K

Company Overview

Why Investors Should Care

Recent Developments

Growth & Price Performance

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Price Chart

Technical Trend

Fundamental Growth Charts

PROS

CONS

Valuation

Growth (CAGR)

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

Old Second Bancorp (OSBC) Reports Next Week: Wall Street Expects Earnings Growth - Yahoo Finance

Old Second Bancorp (OSBC) to Post Earnings on Wednesday - MarketBeat

Are Options Traders Betting on a Big Move in Old Second Bancorp Stock? - Zacks Investment Research

O2 Sponsor Finance elevates lender Chris Gallun to First VP - Stock Titan

Old Second Bancorp Announces New Share Repurchase Program - The Globe and Mail

Does Index Inclusion And A Larger Buyback Authorization Change The Bull Case For Old Second Bancorp (OSBC)? - simplywall.st

OSBC — Frequently Asked Questions

What is the current share price of Old Second Bancorp, Inc. (OSBC)?

What is the market capitalisation of OSBC?

What is the P/E ratio of OSBC?

Does OSBC pay a dividend?

What is the return on equity (ROE) of OSBC?

Is OSBC a good stock to buy?

Explore More