Old Second Bank/$OSBC
1D1W1MYTD1Y5YMAX
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
$1.3B
14.34
$1.74
0.71
$0.28
1.12%
Price and volume
Market cap
$1.3B
Beta
0.71
52-week high
$26.06
52-week low
$16.65
Average daily volume
406K
Dividend rate
$0.28
Financial strength
Dividend payout ratio (TTM)
15.31%
Profitability
Net profit margin (TTM)
27.07%
Operating margin (TTM)
38.61%
Effective tax rate (TTM)
25.61%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.47%
Return on equity (TTM)
11.40%
Valuation
Price to earnings (TTM)
14.339
Price to revenue (TTM)
3.827
Price to book
1.41
Price to tangible book (TTM)
1.69
Price to free cash flow (TTM)
9.189
Free cash flow yield (TTM)
10.88%
Free cash flow per share (TTM)
2.719
Dividend yield (TTM)
1.12%
Forward dividend yield
1.12%
Growth
Revenue change (TTM)
20.98%
Earnings per share change (TTM)
-4.84%
3-year revenue growth (CAGR)
7.89%
3-year earnings per share growth (CAGR)
-4.97%
10-year earnings per share growth (CAGR)
13.53%
3-year dividend per share growth (CAGR)
10.52%
10-year dividend per share growth (CAGR)
39.04%
Bulls say / Bears say
The board authorized a new share repurchase program of up to $61.2 million from July 1, 2026 through June 30, 2027, underlining management’s commitment to returning capital to shareholders (SEC EDGAR).
Old Second Bancorp’s adjusted diluted EPS increased to $0.55 in Q2 2026 from $0.49 in Q1, reflecting sequential earnings momentum and operational leverage (SEC EDGAR).
Total stockholders’ equity rose by $184.2 million year-over-year to June 30, 2026, bolstering the bank’s capital base following the Bancorp Financial acquisition and organic earnings growth (SEC EDGAR).
Old Second Bancorp’s first‐quarter 2026 EPS of $0.49 missed Wall Street’s consensus estimate of $0.52, signaling margin pressure and investor disappointment (MarketBeat).
The planned redemption of $30 million of 3.50% subordinated notes on April 15, 2026 requires a significant cash outlay at par, potentially constraining the company’s liquidity and capital flexibility (Reuters).
In Q1 2026, OSBC’s provision for credit losses rose to $9.5 million and net charge-offs nearly doubled to $9.8 million from $4.4 million in Q1 2025, highlighting a deterioration in asset quality (SEC EDGAR).
Data summarised monthly by Lightyear AI. Last updated on 6 Sept 2026.
Upcoming events
No upcoming events
Old Second Bank News
AllArticlesVideos
Funds containing Old Second Bank
AllEURUSDGBP
Fund name | Fund size | $OSBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.02% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.