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Old Second Bancorp NasdaqGS:OSBC Stock Report

Last Price

US$18.42

Market Cap

US$826.2m

7D

1.2%

1Y

30.5%

Updated

26 Jan, 2025

Data

Company Financials +

Old Second Bancorp, Inc.

NasdaqGS:OSBC Stock Report

Market Cap: US$826.2m

OSBC Stock Overview

Operates as the bank holding company for Old Second National Bank that provides community banking services. More details

OSBC fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends2/6

Rewards

Trading at 44.8% below our estimate of its fair value

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 0.7% per year for the next 3 years

Significant insider selling over the past 3 months


Community Narratives

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Narratives bring a range of perspectives from our community.

WA
Analyst Price Target
Consensus Narrative from 6 Analysts

Interest Rate Cuts And Rising Expenses May Reduce Future Profitability

Key Takeaways Rising interest expenses and slow loan growth could constrain margins and limit revenue expansion, affecting future earnings. Interest rate cuts and increased noninterest expenses may reduce profitability and net income growth despite efficiency efforts.
View narrative
US$20.50
FV
10.1% undervalued intrinsic discount
-4.14%
Revenue growth p.a.
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about 1 month ago author updated this narrative

My Notes

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Old Second Bancorp, Inc. Competitors

NB Bancorp

NasdaqCM:NBBK

US$811.8m

Business First Bancshares

NasdaqGS:BFST

US$818.3m

Bank First

NasdaqCM:BFC

US$1.0b

Mercantile Bank

NasdaqGS:MBWM

US$794.2m

Price History & Performance

Summary of share price highs, lows and changes for Old Second Bancorp
Historical stock prices
Current Share PriceUS$18.42
52 Week HighUS$19.37
52 Week LowUS$13.00
Beta1.08
1 Month Change3.25%
3 Month Change9.81%
1 Year Change30.45%
3 Year Change39.02%
5 Year Change49.94%
Change since IPO354.81%

Recent News & Updates

Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.06

Jan 25
Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.06

Recent updates

Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.06

Jan 25
Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.06

Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be Increased To $0.06

Oct 19
Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be Increased To $0.06

Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Jul 20
Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Old Second Bancorp (NASDAQ:OSBC) Is Paying Out A Dividend Of $0.05

Apr 21
Old Second Bancorp (NASDAQ:OSBC) Is Paying Out A Dividend Of $0.05

Here's Why We Think Old Second Bancorp (NASDAQ:OSBC) Is Well Worth Watching

Jan 30
Here's Why We Think Old Second Bancorp (NASDAQ:OSBC) Is Well Worth Watching

Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Oct 21
Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Jul 22
Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.05

Apr 21
Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.05

Rainbows and Unicorns: Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Became A Lot More Optimistic

Jan 28
Rainbows and Unicorns: Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Became A Lot More Optimistic

Old Second Bancorp (NASDAQ:OSBC) Has Affirmed Its Dividend Of $0.05

Jan 21
Old Second Bancorp (NASDAQ:OSBC) Has Affirmed Its Dividend Of $0.05

Old Second Bancorp Expects Big Gains From Higher Rates, Inflation

Sep 26

O2 Sponsor Finance provides senior secured credit facilities to support Prospect Partners' recapitalization of Blackwood Solutions

Sep 19

Old Second Bancorp declares $0.05 dividend

Jul 21

Old Second Bancorp (NASDAQ:OSBC) Is Due To Pay A Dividend Of US$0.05

Apr 23
Old Second Bancorp (NASDAQ:OSBC) Is Due To Pay A Dividend Of US$0.05

Shareholder Returns

OSBCUS BanksUS Market
7D1.2%1.1%1.8%
1Y30.5%37.4%24.9%

Return vs Industry: OSBC underperformed the US Banks industry which returned 37.4% over the past year.

Return vs Market: OSBC exceeded the US Market which returned 24.9% over the past year.

Price Volatility

Is OSBC's price volatile compared to industry and market?
OSBC volatility
OSBC Average Weekly Movement4.5%
Banks Industry Average Movement5.2%
Market Average Movement6.5%
10% most volatile stocks in US Market18.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: OSBC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: OSBC's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1981834Jim Eccherwww.oldsecond.com

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It offers demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificates of deposit accounts. The company also provides commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking.

Old Second Bancorp, Inc. Fundamentals Summary

How do Old Second Bancorp's earnings and revenue compare to its market cap?
OSBC fundamental statistics
Market capUS$826.20m
Earnings (TTM)US$85.26m
Revenue (TTM)US$272.70m

9.7x

P/E Ratio

1.2x

P/B Ratio

Is OSBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OSBC income statement (TTM)
RevenueUS$272.70m
Cost of RevenueUS$0
Gross ProfitUS$272.70m
Other ExpensesUS$187.44m
EarningsUS$85.26m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.90
Gross Margin100.00%
Net Profit Margin31.27%
Debt/Equity Ratio21.1%

How did OSBC perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

11%

Payout Ratio

Does OSBC pay a reliable dividends?

See OSBC dividend history and benchmarks
When do you need to buy OSBC by to receive an upcoming dividend?
Old Second Bancorp dividend dates
Ex Dividend DateJan 31 2025
Dividend Pay DateFeb 10 2025
Days until Ex dividend4 days
Days until Dividend pay date14 days

Does OSBC pay a reliable dividends?

See OSBC dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/26 10:17
End of Day Share Price 2025/01/24 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Old Second Bancorp, Inc. is covered by 10 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jeffrey RulisD.A. Davidson & Co.
Brian MartinFIG Partners
Brian MartinJanney Montgomery Scott LLC