Old Second Bank/$OSBC
14:30
16:10
17:45
19:25
21:00
1D1W1MYTD1Y5YMAX
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
$970M
12.47
$1.48
-
$0.25
1.52%
Price and volume
Market cap
$970M
52-week high
$19.25
52-week low
$14.14
Average daily volume
381K
Dividend rate
$0.25
Financial strength
Dividend payout ratio (TTM)
15.92%
Profitability
Net profit margin (TTM)
24.45%
Operating margin (TTM)
36.10%
Effective tax rate (TTM)
24.74%
Revenue per employee (TTM)
$330,000
Management effectiveness
Return on assets (TTM)
1.12%
Return on equity (TTM)
9.24%
Valuation
Price to earnings (TTM)
12.47
Price to revenue (TTM)
2.992
Price to book
1.12
Price to tangible book (TTM)
1.36
Price to free cash flow (TTM)
8.978
Free cash flow yield (TTM)
11.14%
Free cash flow per share (TTM)
2.052
Dividend yield (TTM)
1.36%
Forward dividend yield
1.52%
Growth
Revenue change (TTM)
9.38%
Earnings per share change (TTM)
-20.17%
3-year revenue growth (CAGR)
13.38%
3-year earnings per share growth (CAGR)
21.94%
10-year earnings per share growth (CAGR)
14.18%
3-year dividend per share growth (CAGR)
6.27%
Bulls say / Bears say
Adjusted net income increased to $22.8 million, or $0.50 per diluted share in Q2 2025—an 11% rise quarter-over-quarter—driven by higher net interest and dividend income.
Tax-equivalent net interest margin rose to 4.85%, and the efficiency ratio improved to 55.99% in Q2 2025, highlighting strong margin performance and disciplined expense control.
The merger with Bancorp Financial closed July 1, 2025, creating a pro forma $6.98 billion in assets, $5.95 billion in deposits, and $5.09 billion in loans, significantly expanding Old Second’s presence in the Chicago market.
Noninterest expense increased 14.6% year-over-year to $43.4 million in Q2 2025, reflecting higher operating costs that could squeeze profitability.
Unrealized mark-to-market losses on available-for-sale securities narrowed to $54.7 million as of June 30, 2025, but still show meaningful exposure to changes in interest rates.
Average loans declined by $44 million sequentially to $3.96 billion in Q1 2025, pointing to slower loan demand and potential challenges for interest income growth.
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 2025.
Old Second Bank News
AllArticlesVideos
Old Second Bancorp, Inc. Reports Third Quarter 2025 Net Income of $9.9 Million, or $0.18 per Diluted Share
Accesswire3 weeks ago
Old Second National Bank Completes Integration of Evergreen Bank Group, Expanding Access and Services for Customers
Accesswire3 weeks ago
O2 Sponsor Finance Provides Senior Secured Credit Facilities to Support San Francisco Equity Partners in its Acquisition of Formula Corp
Accesswire2 months ago
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.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Old Second Bank stock?
Old Second Bank (OSBC) has a market cap of $970M as of November 11, 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 12.47 as of November 11, 2025.
Does Old Second Bank stock pay dividends?
Yes, the Old Second Bank (OSBC) stock pays dividends to shareholders. As of November 11, 2025, the dividend rate is $0.25 and the yield is 1.52%. Old Second Bank has a payout ratio of 15.92% 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) does not currently have a Beta indicator.