OSBC
Old Second Bancorp, Inc.
Price Chart
Latest Quote
$22.08
+0.19 (+0.87%)
Current Price
| Previous Close | $21.89 |
| Open | $21.87 |
| Day High | $22.25 |
| Day Low | $21.86 |
| Volume | 303,668 |
Stock Information
| Quarterly Dividend / Yield | $0.27 / 1.22% |
| Shares Outstanding | 51.43M |
| Quarterly Dividend Yield | 1.22% |
| Quarterly Dividend | $0.27 |
| Total Debt | $324.14M |
| Cash Equivalents | $119.84M |
| Revenue | $324.91M |
| Net Income | $86.06M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.14B |
| P/E Ratio | 13.22 |
| EPS (TTM) | $1.67 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.34B |
| Sales | $324.91M |
| Income | $86.06M |
| Book/sh | $17.29 |
| Cash/sh | $2.33 |
| Employees | 1K |
Financial Ratios
| EPS Growth TTM | 29.00% |
Returns & Margins
| ROA | 1.37% |
| ROE | 10.84% |
| Operating Margin | 42.50% |
| Profit Margin | 26.49% |
Ownership
| Insider Ownership | 4.53% |
| Institutional Ownership | 75.86% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.62 |
| PEG | 1.51 |
| P/S | 3.50 |
| P/B | 1.28 |
Analyst Data
| Recommendation | none |
| Target Price | $23.20 |
Technical Indicators
| SMA20 | $21.64 |
| SMA50 | $21.22 |
| SMA200 | $19.64 |
| RSI | 62.29 |
| ATR | 0.5964 |
| Shares Float | 49.57M |
| Short Float | 3.45% |
| Short Ratio | 4.75 |
| Volatility | 0.72 |
| Rel Volume | 0.99 |
Performance History
| Week | -1.87% |
| Month | +5.29% |
| Quarter | +13.91% |
| 6 Months | +7.67% |
| YTD | +14.13% |
| Year | +34.18% |
| 3 Years | +66.99% |
| 5 Years | +76.62% |
| 10 Years | +238.00% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $22.08 | 335,600 |
| 2026-06-18 | $21.89 | 557,700 |
| 2026-06-17 | $21.66 | 435,700 |
| 2026-06-16 | $22.06 | 361,800 |
| 2026-06-15 | $22.01 | 441,000 |
| 2026-06-12 | $22.50 | 312,000 |
| 2026-06-11 | $22.22 | 300,500 |
| 2026-06-10 | $22.12 | 319,100 |
| 2026-06-09 | $21.94 | 251,200 |
| 2026-06-08 | $21.71 | 177,000 |
| 2026-06-05 | $21.56 | 226,800 |
| 2026-06-04 | $21.42 | 254,600 |
| 2026-06-03 | $20.70 | 279,200 |
| 2026-06-02 | $21.36 | 398,100 |
| 2026-06-01 | $21.07 | 371,100 |
| 2026-05-29 | $21.32 | 346,400 |
| 2026-05-28 | $21.30 | 308,400 |
| 2026-05-27 | $21.23 | 318,400 |
| 2026-05-26 | $21.49 | 439,300 |
About Old Second Bancorp, Inc.
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.
đ° Latest News
1 Momentum Stock for Long-Term Investors and 2 We Brush Off
StockStory âĸ 2026-06-19T16:28:58Z
2 Reasons to Watch OSBC and 1 to Stay Cautious
StockStory âĸ 2026-06-18T09:09:28Z
1 Russell 2000 Stock with Solid Fundamentals and 2 We Avoid
StockStory âĸ 2026-06-15T13:56:07Z
2 Unpopular Stocks That Should Get More Attention and 1 We Avoid
StockStory âĸ 2026-06-08T09:57:50Z
How The Old Second Bancorp (OSBC) Investment Story Is Shifting As Analyst Views Diverge
Simply Wall St. âĸ 2026-06-07T11:07:49Z
A Fund Sold $5.5 Million of This Regional Bank. Should Investors Follow?
Motley Fool âĸ 2026-05-30T17:47:42Z
Reflecting On Regional Banks Stocksâ Q1 Earnings: Old Second Bancorp (NASDAQ:OSBC)
StockStory âĸ 2026-05-25T17:15:51Z
1 Small-Cap Stock to Target This Week and 2 We Turn Down
StockStory âĸ 2026-05-22T22:44:55Z
A Look At Old Second Bancorp (OSBC) Valuation After Q1 Earnings And Share Buyback
Simply Wall St. âĸ 2026-04-27T11:07:57Z
Why The Narrative Around Old Second Bancorp (OSBC) Is Shifting After Valuation And Earnings Updates
Simply Wall St. âĸ 2026-04-27T07:05:52Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $333,097,000 | $279,899,000 | $280,987,000 | $244,924,000 |
| Operating Revenue | $333,097,000 | $279,899,000 | $280,987,000 | $244,924,000 |
| Expenses | ||||
| Interest Expense | $62,217,000 | $56,269,000 | $40,039,000 | $10,317,000 |
| Selling And Marketing Expense | $1,331,000 | $1,243,000 | $721,000 | $589,000 |
| General And Administrative Expense | $128,955,000 | $101,836,000 | $92,483,000 | $90,195,000 |
| Professional Expense And Contract Services Expense | $5,666,000 | $3,822,000 | $3,342,000 | $3,298,000 |
| Other Non Interest Expense | $38,242,000 | $28,693,000 | $26,634,000 | $35,125,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Net Interest Income | $291,447,000 | $239,357,000 | $250,011,000 | $205,220,000 |
| Interest Income | $353,664,000 | $295,626,000 | $290,050,000 | $215,537,000 |
| Normalized Income | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Net Income From Continuing And Discontinued Operation | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Net Income Common Stockholders | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Net Income | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Net Income Including Noncontrolling Interests | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Net Income Continuous Operations | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Pretax Income | $107,751,000 | $112,956,000 | $124,408,000 | $91,549,000 |
| Depreciation Amortization Depletion Income Statement | $4,545,000 | $2,440,000 | $2,461,000 | $2,626,000 |
| Depreciation And Amortization In Income Statement | $4,545,000 | $2,440,000 | $2,461,000 | $2,626,000 |
| Amortization Of Intangibles Income Statement | $4,545,000 | $2,440,000 | $2,461,000 | $2,626,000 |
| Per Share | ||||
| Diluted EPS | $1.62 | $1.87 | $2.02 | $1.49 |
| Basic EPS | $1.64 | $1.90 | $2.05 | $1.51 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $11,254,000 | $9,160,000 | $7,704,000 | $6,885,000 |
| Diluted Average Shares | $49,669,539 | $45,639,351 | $45,395,010 | $45,213,088 |
| Basic Average Shares | $48,875,540 | $44,828,290 | $44,663,722 | $44,526,655 |
| Diluted NI Availto Com Stockholders | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Tax Provision | $27,441,000 | $27,692,000 | $32,679,000 | $24,144,000 |
| Gain On Sale Of Security | $7,000 | $0 | $-4,148,000 | $-944,000 |
| Amortization | $4,545,000 | $2,440,000 | $2,461,000 | $2,626,000 |
| Selling General And Administration | $130,286,000 | $103,079,000 | $93,204,000 | $90,784,000 |
| Insurance And Claims | $4,293,000 | $3,811,000 | $3,917,000 | $3,622,000 |
| Salaries And Wages | $124,662,000 | $98,025,000 | $88,566,000 | $86,573,000 |
| Occupancy And Equipment | $19,054,000 | $16,159,000 | $14,437,000 | $14,992,000 |
| Other Gand A | - | - | - | $15,795,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $734,421,000 | $545,369,000 | $469,242,000 | $349,796,000 |
| Total Assets | $6,902,675,000 | $5,649,377,000 | $5,722,799,000 | $5,888,317,000 |
| Goodwill And Other Intangible Assets | $162,347,000 | $125,665,000 | $108,039,000 | $111,345,000 |
| Other Intangible Assets | $33,151,000 | $32,405,000 | $21,561,000 | $24,867,000 |
| Receivables | $545,886,000 | $489,612,000 | $395,271,000 | $274,520,000 |
| Other Receivables | $545,886,000 | $489,612,000 | $395,271,000 | $274,520,000 |
| Cash And Cash Equivalents | $124,025,000 | $99,329,000 | $100,145,000 | $115,177,000 |
| Cash Financial | $51,665,000 | $52,175,000 | $55,534,000 | $56,632,000 |
| Cash Cash Equivalents And Federal Funds Sold | $124,025,000 | $99,329,000 | $100,145,000 | $115,177,000 |
| Debt | ||||
| Net Debt | $191,126,000 | $5,911,000 | $390,010,000 | $113,478,000 |
| Total Debt | $315,151,000 | $105,240,000 | $490,155,000 | $228,655,000 |
| Long Term Debt And Capital Lease Obligation | $100,151,000 | $85,240,000 | $85,155,000 | $138,655,000 |
| Long Term Debt | $100,151,000 | $85,240,000 | $85,155,000 | $138,655,000 |
| Current Debt And Capital Lease Obligation | $215,000,000 | $20,000,000 | $405,000,000 | $90,000,000 |
| Current Debt | $215,000,000 | $20,000,000 | $405,000,000 | $90,000,000 |
| Other Current Borrowings | $215,000,000 | $20,000,000 | $405,000,000 | $90,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $6,005,907,000 | $4,978,343,000 | $5,145,518,000 | $5,427,176,000 |
| Equity | ||||
| Common Stock Equity | $896,768,000 | $671,034,000 | $577,281,000 | $461,141,000 |
| Total Equity Gross Minority Interest | $896,768,000 | $671,034,000 | $577,281,000 | $461,141,000 |
| Stockholders Equity | $896,768,000 | $671,034,000 | $577,281,000 | $461,141,000 |
| Gains Losses Not Affecting Retained Earnings | $-28,738,000 | $-47,748,000 | $-62,781,000 | $-93,124,000 |
| Other Equity Adjustments | $-28,738,000 | $-47,748,000 | $-62,781,000 | $-93,124,000 |
| Retained Earnings | $537,231,000 | $469,165,000 | $393,311,000 | $310,512,000 |
| Other | ||||
| Treasury Shares Number | $346,272 | $34,152 | $7,233 | $122,839 |
| Ordinary Shares Number | $52,669,224 | $44,873,467 | $44,697,917 | $44,582,311 |
| Share Issued | $53,015,496 | $44,907,619 | $44,705,150 | $44,705,150 |
| Tangible Book Value | $734,421,000 | $545,369,000 | $469,242,000 | $349,796,000 |
| Invested Capital | $1,211,919,000 | $776,274,000 | $1,067,436,000 | $689,796,000 |
| Total Capitalization | $996,919,000 | $756,274,000 | $662,436,000 | $599,796,000 |
| Treasury Stock | $6,191,000 | $575,000 | $177,000 | $3,228,000 |
| Additional Paid In Capital | $341,451,000 | $205,284,000 | $202,223,000 | $202,276,000 |
| Capital Stock | $53,015,000 | $44,908,000 | $44,705,000 | $44,705,000 |
| Common Stock | $53,015,000 | $44,908,000 | $44,705,000 | $44,705,000 |
| Investments And Advances | $1,090,523,000 | $1,161,701,000 | $1,192,829,000 | $1,539,359,000 |
| Available For Sale Securities | $306,932,000 | - | - | - |
| Goodwill | $129,196,000 | $93,260,000 | $86,478,000 | $86,478,000 |
| Net PPE | $86,645,000 | $87,311,000 | $79,310,000 | $72,355,000 |
| Accumulated Depreciation | $-85,465,000 | $-79,323,000 | $-73,974,000 | $-72,434,000 |
| Gross PPE | $172,110,000 | $166,634,000 | $153,284,000 | $144,789,000 |
| Leases | $11,317,000 | $10,341,000 | $7,785,000 | $2,790,000 |
| Machinery Furniture Equipment | $66,537,000 | $63,884,000 | $57,447,000 | $58,183,000 |
| Buildings And Improvements | $64,005,000 | $61,428,000 | $58,311,000 | $54,075,000 |
| Land And Improvements | $30,251,000 | $30,981,000 | $29,741,000 | $29,741,000 |
| Other Short Term Investments | $783,591,000 | $1,161,701,000 | $1,192,829,000 | $1,539,359,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $117,759,000 | $120,746,000 | $104,025,000 | $93,012,000 |
| Operating Activities | ||||
| Operating Cash Flow | $122,264,000 | $131,533,000 | $116,401,000 | $97,344,000 |
| Cash Flow From Continuing Operating Activities | $122,264,000 | $131,533,000 | $116,401,000 | $97,344,000 |
| Operating Gains Losses | $-3,040,000 | $-1,836,000 | $2,048,000 | $-3,095,000 |
| Investing Activities | ||||
| Capital Expenditure | $-4,505,000 | $-10,787,000 | $-12,376,000 | $-4,332,000 |
| Investing Cash Flow | $159,819,000 | $322,701,000 | $161,555,000 | $-432,778,000 |
| Cash Flow From Continuing Investing Activities | $159,819,000 | $322,701,000 | $161,555,000 | $-432,778,000 |
| Net Other Investing Changes | $13,456,000 | $17,335,000 | $-11,410,000 | $-6,922,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-7,412,000 | $-1,048,000 | $-605,000 | $-455,000 |
| Financing Cash Flow | $-257,387,000 | $-455,050,000 | $-292,988,000 | $-301,496,000 |
| Cash Flow From Continuing Financing Activities | $-257,387,000 | $-455,050,000 | $-292,988,000 | $-301,496,000 |
| Cash Dividends Paid | $-12,240,000 | $-9,413,000 | $-8,946,000 | $-8,877,000 |
| Common Stock Dividend Paid | $-12,240,000 | $-9,413,000 | $-8,946,000 | $-8,877,000 |
| Net Common Stock Issuance | $-7,412,000 | $-1,048,000 | $-605,000 | $-455,000 |
| Other | ||||
| Repayment Of Debt | $0 | $0 | $-54,000,000 | $-10,056,000 |
| Interest Paid Supplemental Data | $60,526,000 | $55,275,000 | $38,448,000 | $10,195,000 |
| Income Tax Paid Supplemental Data | $20,692,000 | $22,960,000 | $35,662,000 | $11,232,000 |
| End Cash Position | $124,025,000 | $99,329,000 | $100,145,000 | $115,177,000 |
| Beginning Cash Position | $99,329,000 | $100,145,000 | $115,177,000 | $752,107,000 |
| Changes In Cash | $24,696,000 | $-816,000 | $-15,032,000 | $-636,930,000 |
| Common Stock Payments | $-7,412,000 | $-1,048,000 | $-605,000 | $-455,000 |
| Net Issuance Payments Of Debt | $179,500,000 | $-385,000,000 | $261,000,000 | $79,944,000 |
| Net Short Term Debt Issuance | $179,500,000 | $-385,000,000 | $315,000,000 | $90,000,000 |
| Net Long Term Debt Issuance | $0 | $0 | $-54,000,000 | $-10,056,000 |
| Long Term Debt Payments | $0 | $0 | $-54,000,000 | $-10,056,000 |
| Net Investment Purchase And Sale | $213,928,000 | $44,002,000 | $378,373,000 | $9,180,000 |
| Sale Of Investment | $405,520,000 | $309,498,000 | $391,787,000 | $310,829,000 |
| Purchase Of Investment | $-191,592,000 | $-265,496,000 | $-13,414,000 | $-301,649,000 |
| Net Business Purchase And Sale | $10,529,000 | $237,441,000 | $0 | $-146,000 |
| Net PPE Purchase And Sale | $-2,257,000 | $-10,787,000 | $-7,834,000 | $9,014,000 |
| Sale Of PPE | $2,248,000 | $0 | $4,542,000 | $13,346,000 |
| Purchase Of PPE | $-4,505,000 | $-10,787,000 | $-12,376,000 | $-4,332,000 |
| Change In Working Capital | $-342,000 | $19,993,000 | $-7,120,000 | $16,632,000 |
| Change In Other Working Capital | $-3,197,000 | $-3,619,000 | $-2,120,000 | $-718,000 |
| Change In Payables And Accrued Expense | $-10,250,000 | $13,486,000 | $6,511,000 | $6,416,000 |
| Change In Payable | $-10,250,000 | $13,486,000 | $6,511,000 | $6,416,000 |
| Change In Account Payable | $-10,250,000 | $13,486,000 | $6,511,000 | $6,416,000 |
| Change In Receivables | $13,105,000 | $10,126,000 | $-11,511,000 | $10,934,000 |
| Changes In Account Receivables | $8,781,000 | $4,135,000 | $-6,639,000 | $-1,114,000 |
| Other Non Cash Items | $533,000 | $1,426,000 | $-171,000 | $160,000 |
| Stock Based Compensation | $5,550,000 | $3,914,000 | $3,603,000 | $2,960,000 |
| Deferred Tax | $1,593,000 | $-1,367,000 | $1,857,000 | $969,000 |
| Deferred Income Tax | $1,593,000 | $-1,367,000 | $1,857,000 | $969,000 |
| Depreciation Amortization Depletion | $11,254,000 | $9,160,000 | $7,704,000 | $6,885,000 |
| Depreciation And Amortization | $11,254,000 | $9,160,000 | $7,704,000 | $6,885,000 |
| Amortization Cash Flow | $4,545,000 | $2,440,000 | $2,461,000 | $2,626,000 |
| Amortization Of Intangibles | $4,545,000 | $2,440,000 | $2,461,000 | $2,626,000 |
| Depreciation | $6,709,000 | $6,720,000 | $5,243,000 | $4,259,000 |
| Gain Loss On Investment Securities | $-7,000 | $0 | $4,148,000 | $944,000 |
| Gain Loss On Sale Of PPE | $-742,000 | $-31,000 | $-623,000 | $-2,017,000 |
| Net Income From Continuing Operations | $80,310,000 | $85,264,000 | $91,729,000 | $67,405,000 |
| Issuance Of Debt | - | - | $0 | $0 |
| Long Term Debt Issuance | - | - | $0 | $0 |
| Purchase Of Business | - | - | $0 | $-146,000 |
| Asset Impairment Charge | - | - | $0 | $0 |
| Proceeds From Stock Option Exercised | - | - | - | - |
| Sale Of Business | - | - | - | - |
Fetched: 2026-06-17