NASDAQ: OSBC
Old Second Bancorp Inc Stock

$18.70-0.31 (-1.63%)
Updated Jul 11, 2025
OSBC Price
$18.70
Fair Value Price
N/A
Market Cap
$842.55M
52 Week Low
$14.14
52 Week High
$19.46
P/E
10.05x
P/B
1.21x
P/S
2.71x
PEG
2.62x
Dividend Yield
0.91%
Revenue
$276.63M
Earnings
$83.78M
Gross Margin
100%
Operating Margin
39.99%
Profit Margin
30.3%
Debt to Equity
7.25
Operating Cash Flow
$102M
Beta
0.77
Next Earnings
Jul 15, 2025
Ex-Dividend
N/A
Next Dividend
N/A

OSBC Overview

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers 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. Further, it provides 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. In addition, the company offers 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. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine OSBC's potential to beat the market

DSell
  • Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
OSBC
Ranked
#218 of 297

Top Ranked Stocks in Industry

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OSBC News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how OSBC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

OSBC ($18.70) is trading above its intrinsic value of $12.84, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
OSBC is good value based on its earnings relative to its share price (10.05x), compared to the US market average (30.99x)
P/E vs Market Valuation
OSBC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more OSBC due diligence checks available for Premium users.

Valuation

OSBC fair value

Fair Value of OSBC stock based on Discounted Cash Flow (DCF)

Price
$18.70
Fair Value
$51.36
Undervalued by
63.59%
OSBC ($18.70) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

OSBC price to earnings (PE)

For valuing profitable companies with steady earnings

Company
10.05x
Industry
12.62x
Market
30.99x
OSBC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OSBC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

OSBC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.21x
Industry
1.22x
OSBC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

OSBC price to earnings growth (PEG)

For valuing profitable companies with growth potential

OSBC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

OSBC's financial health

Profit margin

Revenue
$70.7M
Net Income
$19.8M
Profit Margin
28%
OSBC's Earnings (EBIT) of $110.61M... subscribe to Premium to read more.
Interest Coverage Financials
OSBC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$5.7B
Liabilities
$5.0B
Debt to equity
7.25
OSBC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
OSBC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$17.8M
Investing
$76.7M
Financing
$62.2M
OSBC's operating cash flow ($102.08M)... subscribe to Premium to read more.
Debt Coverage Financials

OSBC vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
OSBCD$842.55M-1.63%10.05x1.21x
CFFNC$827.35M-1.89%15.58x0.80x
AMTBC$825.28M-1.30%-41.98x0.91x
HFWAC$862.19M-1.44%16.85x0.98x
SUPVC$863.21M-5.28%9.28x1.21x

Old Second Bancorp Stock FAQ

What is Old Second Bancorp's quote symbol?

(NASDAQ: OSBC) Old Second Bancorp trades on the NASDAQ under the ticker symbol OSBC. Old Second Bancorp stock quotes can also be displayed as NASDAQ: OSBC.

If you're new to stock investing, here's how to buy Old Second Bancorp stock.

What is the 52 week high and low for Old Second Bancorp (NASDAQ: OSBC)?

(NASDAQ: OSBC) Old Second Bancorp's 52-week high was $19.46, and its 52-week low was $14.14. It is currently -3.91% from its 52-week high and 32.25% from its 52-week low.

How much is Old Second Bancorp stock worth today?

(NASDAQ: OSBC) Old Second Bancorp currently has 45,056,183 outstanding shares. With Old Second Bancorp stock trading at $18.70 per share, the total value of Old Second Bancorp stock (market capitalization) is $842.55M.

Old Second Bancorp stock was originally listed at a price of $11.63 in Dec 31, 1997. If you had invested in Old Second Bancorp stock at $11.63, your return over the last 27 years would have been 60.86%, for an annualized return of 1.78% (not including any dividends or dividend reinvestments).

How much is Old Second Bancorp's stock price per share?

(NASDAQ: OSBC) Old Second Bancorp stock price per share is $18.70 today (as of Jul 11, 2025).

What is Old Second Bancorp's Market Cap?

(NASDAQ: OSBC) Old Second Bancorp's market cap is $842.55M, as of Jul 12, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Old Second Bancorp's market cap is calculated by multiplying OSBC's current stock price of $18.70 by OSBC's total outstanding shares of 45,056,183.
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