Old Second Bank/$OSBC
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About Old Second Bank
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The Company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
Ticker
$OSBC
Sector
Primary listing
Employees
877
Headquarters
Website
Old Second Bank Metrics
BasicAdvanced
$909M
9.43
$1.83
0.80
$0.24
1.39%
Price and volume
Market cap
$909M
Beta
0.8
52-week high
$19.25
52-week low
$14.14
Average daily volume
306K
Dividend rate
$0.24
Financial strength
Dividend payout ratio (TTM)
12.34%
Profitability
Net profit margin (TTM)
29.67%
Operating margin (TTM)
42.76%
Effective tax rate (TTM)
24.33%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.47%
Return on equity (TTM)
12.51%
Valuation
Price to earnings (TTM)
9.432
Price to revenue (TTM)
2.748
Price to book
1.08
Price to tangible book (TTM)
1.28
Price to free cash flow (TTM)
7.202
Free cash flow yield (TTM)
13.89%
Free cash flow per share (TTM)
2.397
Dividend yield (TTM)
1.39%
Forward dividend yield
1.39%
Growth
Revenue change (TTM)
6.55%
Earnings per share change (TTM)
-3.18%
3-year revenue growth (CAGR)
18.62%
3-year earnings per share growth (CAGR)
43.88%
10-year earnings per share growth (CAGR)
18.58%
3-year dividend per share growth (CAGR)
4.77%
Bulls say / Bears say
Net interest and dividend income climbed 7.6% year-over-year to $64.2 million in Q2 2025, supporting a solid net interest margin of 4.85%, up from 4.63% in Q2 2024 (Nasdaq).
The July 1, 2025 acquisition of Bancorp Financial added $1.4 billion in assets, increasing Old Second’s pro forma balance sheet to about $6.98 billion and expanding its suburban Chicago network to 56 locations (Access Newswire).
Asset quality stayed strong as nonperforming loans fell to 0.8% of total loans in Q2 2025 compared to 1.2% a year ago, demonstrating effective credit risk management and a resilient loan portfolio (StockTitan).
Noninterest expense increased by 14.6% year-over-year to $43.4 million in Q2 2025, mainly due to merger-related integration and transaction costs, putting pressure on Old Second’s efficiency ratio despite the benefits of greater scale (Nasdaq).
Old Second posted Q2 2025 EPS of $0.48, falling short of the Zacks consensus estimate of $0.49. This marks another quarterly miss and raises concerns about the consistency of its earnings performance (Nasdaq).
Noninterest income declined 2.1% year-over-year to $10.9 million in Q2 2025, indicating slow growth in fee-based and other non-interest revenue streams in the face of stronger competition (Nasdaq).
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.
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FAQs
What’s the current market cap for Old Second Bank stock?
Old Second Bank (OSBC) has a market cap of $909M as of October 05, 2025.
What is the P/E ratio for Old Second Bank stock?
The price to earnings (P/E) ratio for Old Second Bank (OSBC) stock is 9.43 as of October 05, 2025.
Does Old Second Bank stock pay dividends?
Yes, the Old Second Bank (OSBC) stock pays dividends to shareholders. As of October 05, 2025, the dividend rate is $0.24 and the yield is 1.39%. Old Second Bank has a payout ratio of 12.34% on a trailing twelve-month basis.
When is the next Old Second Bank dividend payment date?
The next Old Second Bank (OSBC) dividend payment date is unconfirmed.
What is the beta indicator for Old Second Bank?
Old Second Bank (OSBC) has a beta rating of 0.8. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.