Old Second Bank/$OSBC
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,062
- Headquarters
- Aurora, United States
- Website
- www.oldsecond.com
Old Second Bank Metrics
BasicAdvanced
$1.2B
11.44
$2.12
0.77
$0.28
1.15%
Price and volume
Market cap
$1.2B
Beta
0.77
52-week high
$26.06
52-week low
$17.54
Average daily volume
598K
Dividend rate
$0.28
Financial strength
Profitability
Net profit margin (TTM)
31.32%
Operating margin (TTM)
44.26%
Effective tax rate (TTM)
25.63%
Revenue per employee (TTM)
$340,000
Management effectiveness
Return on assets (TTM)
1.62%
Return on equity (TTM)
12.78%
Valuation
Price to earnings (TTM)
11.438
Price to revenue (TTM)
3.528
Price to book
1.37
Price to tangible book (TTM)
1.65
Dividend yield (TTM)
1.15%
Forward dividend yield
1.15%
Growth
Revenue change (TTM)
23.23%
Earnings per share change (TTM)
43.81%
3-year revenue growth (CAGR)
8.43%
3-year earnings per share growth (CAGR)
-0.24%
10-year earnings per share growth (CAGR)
15.80%
3-year dividend per share growth (CAGR)
11.87%
10-year dividend per share growth (CAGR)
30.20%
What the Analysts think about Old Second Bank
Analyst ratings (Buy, Hold, Sell) for Old Second Bank stock.
Analyst projections of the future price of Old Second Bank stock.
Bulls say / Bears say
Third-quarter net interest margin rose four basis points to 5.27%, while net income increased to $28.9 million and return on average tangible common equity reached 15.77%. That points to strong earnings power and effective cost control. (SEC)
Credit indicators improved sharply in the quarter: nonperforming loans fell 30%, classified loans fell 44%, and criticised loans declined to 1.88% of total loans from 3.05%. If that improvement holds, it should reduce pressure on future earnings from credit losses. (SEC)
The bank returned substantial capital to shareholders, buying back about 3% of its shares in the quarter and raising its dividend by 14% to $0.08 per share. Strong capital ratios support its ability to continue these distributions. (SEC)
Commercial credit losses remained lumpy: third-quarter net commercial charge-offs were $9.2 million, mostly tied to two loans in one commercial relationship. A concentrated borrower problem can still cause a material hit to quarterly results even as headline credit indicators improve. (SEC)
Powersport charge-offs continued for a third straight quarter, reaching $3.1 million in the latest quarter and about $9.9 million year to date. Persistent losses in this acquired loan category could keep credit costs elevated. (SEC)
Deposits fell 2.15% in the quarter, while management expects net interest margin to give back about five basis points in the fourth quarter as deposit competition intensifies. The 98.3% loan-to-deposit ratio also leaves less room to grow lending without finding additional funding. (SEC, The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.
Old Second Bank Financial Performance
Revenues and expenses
Old Second Bank Earnings Performance
Company profitability
Upcoming events
Old Second Bank News
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Funds containing Old Second Bank
Fund name | Fund size | $OSBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.05% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.05% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
iShares MSCI World Small Cap£WLDS | $9B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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