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Old Second Bancorp, Inc. OSBC R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.oldsecond.com
Company Profile ↓
$25.72
+46.14% 1Y
Mkt Cap$1.31B
P/E14.87
P/B1.47
Div. Yield1.09%
52W High$25.91
52W Low$16.49
Book Value$17.29
EPS (TTM)$1.73

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 14.9.

Healthy Margins

Maintains a net profit margin of 27.1%.

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 +22.7%, earnings +12.5%.
  • 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:22.70%

Compounded Profit Growth

5 Years:15.27%
1 Year:12.50%

Stock Price Performance

1 Year:+46.14%
6 Months:+32.37%
3 Months:+19.63%
1 Month:-0.23%

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

Technical Snapshot Bullish
52-Week Range 98% of range
$16.49 $25.91
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)62.38 · Neutral
Price Performance
1M-0.23%
3M+19.63%
6M+32.37%
1Y+46.14%
Valuation vs Sector

P/E of 14.87 is above the sector median of 14.52 — pricier than peers.

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

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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 27.1%.
  • 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.

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Valuation

Stock P/E
14.87
Industry PE
14.52
Forward P/E
10.78
PEG Ratio
1.51
Book Value
$17.29
Price to Book
1.47
P/S
3.79
EV/EBITDA
-
Dividend Yield
1.09%

Growth (CAGR)

Revenue 5Y
10.79%
Profit 5Y
15.27%
Revenue (YoY)
22.70%
Earnings (YoY)
12.50%

Profitability & Returns

ROCE
-
ROE
11.40%
ROA
1.47%
Profit Margin
27.07%
Op Margin
44.69%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.54
EPS (TTM)
$1.73

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$468.66M
Total Assets
$6.87B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.43%
Chg in Prom Hold
-0.04%
FII / Inst Holding
78.91%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$1.31B
Total Revenue (TTM)
$341.37M
EBITDA
-
Free Cash Flow
$117.76M
Operating Cash Flow
$122.26M
Shares Outstanding
50.88M
Gross Margin
0.00%
Payout Ratio
15.61%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OSBC Old Second Bancorp, Inc. R2KR3KFINANCIAL 25.72 14.87 $1.31B 1.09% - 11.40% 10.79% 15.27%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------71.72M73.64M94.18M93.55M92.25M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------10.66M11.00M21.30M19.25M17.20M-
Pretax Income ----------------------------------26.20M29.21M13.07M39.27M34.06M-
Tax Provision ----------------------------------6.37M7.39M3.20M10.48M8.48M-
Net Income 72.92M2.20M2.02M2.92M3.50M4.13M3.92M3.32M3.85M3.50M4.43M5.15M8.08M9.49M6.26M9.64M8.47M9.28M12.17M275.00K9.24M10.27M11.88M8.82M8.41M12.02M12.25M19.52M23.61M25.56M24.34M21.31M21.89M22.95M19.83M21.82M9.87M28.79M25.59M28.18M
Diluted EPS 5.080.040.260.060.090.120.120.110.130.120.150.170.270.310.210.320.280.310.400.010.310.340.400.300.290.270.270.430.520.560.540.470.480.500.430.480.180.540.480.54

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------244.92M280.99M279.90M333.10M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ------------10.32M40.04M56.27M62.22M
Pretax Income ------------91.55M124.41M112.96M107.75M
Tax Provision ------------24.14M32.68M27.69M27.44M
Net Income -108.65M-6.50M-72.00K82.08M10.14M15.38M15.68M15.14M34.01M39.45M27.82M-67.41M91.73M85.26M80.31M
Diluted EPS -8.03-0.79-0.365.450.460.460.530.501.121.300.92-1.492.021.871.62

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -2.12B1.94B2.05B2.00B2.06B2.08B2.25B2.38B2.68B2.64B3.04B6.21B5.89B5.72B5.65B6.90B
Total Equity 197.21M83.96M74.00M72.55M147.69M194.16M155.93M175.21M200.35M229.08M277.86M307.09M502.03M461.14M577.28M671.03M896.77M
Cash & Equivalents -----44.20M40.34M47.33M55.83M55.23M50.63M329.90M752.11M115.18M100.14M99.33M124.03M
Total Liabilities -2.04B1.87B1.97B1.86B1.87B1.92B2.08B2.18B2.45B2.36B2.73B5.71B5.43B5.15B4.98B6.01B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -----21.14M27.26M37.10M54.91M52.64M25.99M31.05M97.34M116.40M131.53M122.26M
Investing Cash Flow ------32.20M-123.07M-132.49M-25.84M42.21M-103.81M132.92M-432.78M161.56M322.70M159.82M
Financing Cash Flow -----7.20M102.81M103.88M-29.66M-99.45M357.09M258.24M-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 -----19.86M25.27M36.05M53.01M48.26M22.07M29.01M93.01M104.03M120.75M117.76M
Share Buybacks 40.00K49.00K63.00K278.00K46.00K117.00K254.00K236.00K505.00K666.00K5.92M10.42M455.00K605.00K1.05M7.41M
Dividends Paid 3.16M---12.39M-----------

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
4.43%
Institutions
78.91%
Public Float
82.57%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.45% 4.30M $108.50M
2 Dimensional Fund Advisors LP 4.91% 2.50M $63.07M
3 Vanguard Capital Management LLC 4.28% 2.18M $55.02M
4 State Street Corporation 3.62% 1.84M $46.42M
5 Davis Asset Management, L.P. 3.54% 1.80M $45.43M
6 American Century Companies Inc 3.51% 1.78M $45.02M
7 Goldman Sachs Group Inc 3.19% 1.62M $41.01M
8 FJ Capital Management LLC 2.87% 1.46M $36.86M
9 Boston Partners 2.78% 1.42M $35.72M
10 Geode Capital Management, LLC 2.65% 1.35M $34.06M

Analyst View

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Latest News

Recent headlines for OSBC

Google News hu, 03 Sep 2026

Director at Old Second (OSBC) sells 25,000 shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxNb1JPQjVIWm5JSWd3d2VBQ2JFQUIxX3IwRmtFaUJIaUZWNEJHWTVDUnNVdm4xLWlsUzlGQURKLXBkdUl6XzZpR1BSS0RSckMzZ3p3X2tuWE9BYXBsdGxVdHZ2UU9sVHZBWFVLZVRLT1FNc2s0cGNSV2VzSHFfSE9CSWE1OEZiX3FwM1IyZ0…

Google News hu, 20 Aug 2026

Old Second Bancorp (OSBC) Stock Looks Like A Bargain On Current Earnings - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxOaDJyZVJIOUxpSmo5V3E5XzZudDF5YmpOMExLZk1xTGNwek1saVBCaEV5bjViMmd6bHNyTkpHSzBKVjV3WE5TalRDMlBCbmRVdlNpLV92U1hKSHhNeHlERzVEWTE0WkJORmtOQmxEcnE4WVBQM254aTMwdzZWbGt3QkowdXgtaGJHNGM2Qk…

Google News hu, 03 Sep 2026

Hugh Mclean Sells 25,000 Shares of Old Second Bancorp (NASDAQ:OSBC) Stock - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxOMVVUa1FWVjVpWUJ4R3hUUDUzU0tJR1RVT1ptaW1vVjNIYnpQOFAzSmVza3V4anJkRWR5WUFLeVNwOUtzaS1fdjhhWk5lMHJreEhyakhvVDdya0xZckhXSFJuQTVKbjZWNFE5RUJIdnZuclp1RFRLaHAzdlhxcDhBTk56akNRWVBZdFppNk…

Google News Fri, 04 Sep 2026

Old Second Bancorp (OSBC) Adds A Finance Executive, Is The Stock Fully Priced? - simplywall.st

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQM0hRU0E5SXBJdHJiX1V4MFFCOFRiM09seDBxUjgyZW05eWtFX1Vuc0dUSnNoMnktMXNKWkxpb3QwNW1acThJLWhxcWVBWVJVWnh4dEJ0a2xibVB6aHBjS0VVYzg3d2xFQXZqWVE1UWttbFJqTkFJdWRLNUkzSWZoNXkxVU5neUZYRTQ1SV…

Google News Wed, 12 Aug 2026

2 Surging Stocks with Solid Fundamentals and 1 We Question - StockStory

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Google News Wed, 02 Sep 2026

How Old Second Bancorp Inc. (OSBC) Affects Rotational Strategy Timing - Stock Traders Daily

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OSBC — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, Old Second Bancorp, Inc. (OSBC) trades at $25.72 on NasdaqGS. Its 52-week range is $16.49 to $25.91.

What is the market capitalisation of OSBC?

Old Second Bancorp, Inc. (OSBC) has a market capitalisation of $1.31B on NasdaqGS.

What is the P/E ratio of OSBC?

OSBC trades at a trailing price-to-earnings (P/E) ratio of 14.87. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.47.

Does OSBC pay a dividend?

Old Second Bancorp, Inc. (OSBC) currently offers a dividend yield of 1.09%.

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

OSBC has a return on equity (ROE) of 11.40%.

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.

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