OSBC Stock Analysis: Old Second Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.209m USD | 12M Return: 40.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.0M
EPS Trend: 10.6%
Qual. Beats: 0
Rev. Trend: 90.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Old Second Bancorp, Inc. is a bank holding company that operates Old Second National Bank, providing community banking services across the United States. The companys offerings span deposit products-including checking, NOW, money market, savings, CDs, and IRAs-as well as a broad lending portfolio that covers commercial and industrial loans, commercial and multifamily real estate, construction and development, residential mortgages, home equity lines of credit, consumer, agricultural, and lease financing. It also delivers digital and cash management services such as online and mobile banking, remote deposit capture, ACH transactions, wire transfers, and treasury tools, alongside investment, agency, and custodial services for individual, corporate, and not-for-profit clients. Founded in 1871, the company is headquartered in Aurora, Illinois, and trades on NASDAQ as a small-cap regional bank. As a community-oriented institution, it focuses on relationship-based lending concentrated in its local and regional markets, a model typical of mid-sized U.S. regional banks that emphasize small-business and commercial real estate exposure rather than the diversified, nationwide footprint of money-center banks.
- Net interest margin compresses as deposit costs outpace loan yields
- Commercial real estate loan portfolio faces rising credit loss provisions
- Loan growth accelerates across C&I and multifamily segments
| Net Income: 92.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.40 > 1.0 |
| NWC/Revenue: 184.3% < 20% (prev -889.8%; Δ 1.07k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 141.4m > Net Income 92.4m |
| Net Debt (-815.1m) to EBITDA (209.9m): -3.88 < 3 |
| Current Ratio: 3.49 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.1m) vs 12m ago 14.00% < -2% |
| Gross Margin: 80.38% > 18% (prev 81.86%; Δ -1.48% > 0.5%) |
| Asset Turnover: 7.05% > 50% (prev 5.92%; Δ 1.12% > 0%) |
| Interest Coverage Ratio: 2.64 > 6 (EBIT TTM 199.9m / Interest Expense TTM 75.6m) |
| A: 0.12 (Total Current Assets 1.14b - Total Current Liabilities 327.6m) / Total Assets 6.85b |
| B: 0.08 (Retained Earnings 573.2m / Total Assets 6.85b) |
| C: 0.03 (EBIT TTM 199.9m / Avg Total Assets 6.28b) |
| D: 0.15 (Book Value of Equity 899.1m / Total Liabilities 5.95b) |
| Altman-Z'' = 1.43 = BB |
As of July 28, 2026, the stock is trading at USD 24.72 with a total of 635,290 shares traded. Over the past week, the price has changed by +4.75%, over one month by +6.51%, over three months by +21.77% and over the past year by +40.93%.
Current recommended Stop Loss: 24.00 (which is 2.9% or 1.4 ATR below the current price).
Old Second Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy OSBC.
- StrongBuy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 25.3 | 2.5% |
P/E Trailing = 13.994
P/E Forward = 8.5985
P/S = 3.7215
P/B = 1.3479
P/EG = 1.5083
Revenue TTM = 442.3m USD
EBIT TTM = 199.9m USD
EBITDA TTM = 209.9m USD
Long Term Debt = 100.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 327.6m USD (from shortTermDebt, last quarter)
Debt = 327.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -815.1m USD (calculated: Debt 327.6m - CCE 1.14b)
Enterprise Value = 394.1m USD (1.21b + Debt 327.6m - CCE 1.14b)
Interest Coverage Ratio = 2.64 (Ebit TTM 199.9m / Interest Expense TTM 75.6m)
EV/FCF = 2.83x (Enterprise Value 394.1m / FCF TTM 139.4m)
FCF Yield = 35.37% (FCF TTM 139.4m / Enterprise Value 394.1m)
FCF Margin = 31.51% (FCF TTM 139.4m / Revenue TTM 442.3m)
Net Margin = 20.90% (Net Income TTM 92.4m / Revenue TTM 442.3m)
Gross Margin = 80.38% ((Revenue TTM 442.3m - Cost of Revenue TTM 86.8m) / Revenue TTM)
Gross Margin QoQ = none% (prev 75.98%)
Tobins Q-Ratio = 0.06 (Enterprise Value 394.1m / Total Assets 6.85b)
Interest Expense / Debt = 23.08% (Interest Expense 75.6m / Debt 327.6m)
Taxrate = 25.61% (31.8m / 124.2m)
NOPAT = 148.7m (EBIT 199.9m * (1 - 25.61%))
Current Ratio = 3.49 (Total Current Assets 1.14b / Total Current Liabilities 327.6m)
Debt / Equity = 0.36 (Debt 327.6m / totalStockholderEquity, last quarter 899.1m)
Debt / EBITDA = -3.88 (Net Debt -815.1m / EBITDA 209.9m)
Debt / FCF = -5.85 (Net Debt -815.1m / FCF TTM 139.4m)
Total Stockholder Equity = 889.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 92.4m / Total Assets 6.85b)
RoE = 10.40% (Net Income TTM 92.4m / Total Stockholder Equity 889.0m)
RoCE = 20.21% (EBIT 199.9m / Capital Employed (Equity 889.0m + L.T.Debt 100.2m))
RoIC = 2.18% (NOPAT 148.7m / Invested Capital 6.83b)
WACC = 10.43% (E(1.21b)/V(1.54b) * Re(8.61%) + D(327.6m)/V(1.54b) * Rd(23.08%) * (1-Tc(0.26)))
Discount Rate = 8.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.38 | Cagr: 6.20%
[DCF] Terminal Value 71.53% ; FCFF base≈120.8m ; Y1≈138.5m ; Y5≈203.8m
[DCF] Fair Price = 59.41 (EV 2.24b - Net Debt -815.1m = Equity 3.06b / Shares 51.4m; r=10.43% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 10.61 | EPS CAGR: 0.67% | SUE: 0.32 | # QB: 0
Revenue Correlation: 90.45 | Revenue CAGR: 12.18% | SUE: 0.53 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.57 | Chg30d=-0.35% | Revisions=+38% | Analysts=3
EPS current Year (2026-12-31): EPS=2.15 | Chg30d=-2.57% | Revisions=+0% | GrowthEPS=+4.4% | GrowthRev=+12.8%
EPS next Year (2027-12-31): EPS=2.30 | Chg30d=+0.10% | Revisions=+25% | GrowthEPS=+6.9% | GrowthRev=+2.0%
[Analyst] Revisions Ratio: +36% (up=6, down=2)