OSBC Stock Overview
Operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
Rewards
Risk Analysis
No risks detected for OSBC from our risk checks.
Community vs My Fair Value
Create NarrativeSelect a narrative for quick price alerts from the community, or create your own.
First Merchants Acquisition May Optimize Funding Costs, But Credit Concerns Will Impact Earnings
Old Second Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$16.49 |
| 52 Week High | US$19.46 |
| 52 Week Low | US$13.00 |
| Beta | 1.05 |
| 1 Month Change | -12.98% |
| 3 Month Change | -10.91% |
| 1 Year Change | 23.43% |
| 3 Year Change | 14.83% |
| 5 Year Change | 142.50% |
| Change since IPO | 307.16% |
Recent News & Updates
Recent updates
Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.06
Jan 25
Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be Increased To $0.06
Oct 19Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05
Jul 20Old Second Bancorp (NASDAQ:OSBC) Is Paying Out A Dividend Of $0.05
Apr 21Here's Why We Think Old Second Bancorp (NASDAQ:OSBC) Is Well Worth Watching
Jan 30Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05
Oct 21Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05
Jul 22Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.05
Apr 21Rainbows and Unicorns: Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Became A Lot More Optimistic
Jan 28Old Second Bancorp (NASDAQ:OSBC) Has Affirmed Its Dividend Of $0.05
Jan 21Old Second Bancorp Expects Big Gains From Higher Rates, Inflation
Sep 26O2 Sponsor Finance provides senior secured credit facilities to support Prospect Partners' recapitalization of Blackwood Solutions
Sep 19Old Second Bancorp declares $0.05 dividend
Jul 21Shareholder Returns
| OSBC | US Banks | US Market | |
|---|---|---|---|
| 7D | -5.4% | -6.6% | -4.4% |
| 1Y | 23.4% | 14.0% | 7.5% |
Return vs Industry: OSBC exceeded the US Banks industry which returned 13.7% over the past year.
Return vs Market: OSBC exceeded the US Market which returned 6.9% over the past year.
Price Volatility
| OSBC volatility | |
|---|---|
| OSBC Average Weekly Movement | 3.5% |
| Banks Industry Average Movement | 4.0% |
| Market Average Movement | 6.4% |
| 10% most volatile stocks in US Market | 17.3% |
| 10% least volatile stocks in US Market | 3.3% |
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 (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1871 | 877 | Jim Eccher | www.oldsecond.com |
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations.
Old Second Bancorp, Inc. Fundamentals Summary
| OSBC fundamental statistics | |
|---|---|
| Market cap | US$734.27m |
| Earnings (TTM) | US$85.26m |
| Revenue (TTM) | US$271.80m |
8.7x
P/E Ratio1.1x
P/B RatioIs OSBC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OSBC income statement (TTM) | |
|---|---|
| Revenue | US$271.80m |
| Cost of Revenue | US$0 |
| Gross Profit | US$271.80m |
| Other Expenses | US$186.54m |
| Earnings | US$85.26m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.89 |
| Gross Margin | 100.00% |
| Net Profit Margin | 31.37% |
| Debt/Equity Ratio | 21.6% |
How did OSBC perform over the long term?
See historical performance and comparisonDividends
1.5%
Current Dividend Yield11%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/12 06:37 |
| End of Day Share Price | 2025/03/12 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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.
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 Github.
Analyst Sources
Old Second Bancorp, Inc. is covered by 9 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.
| Analyst | Institution |
|---|---|
| Jeffrey Rulis | D.A. Davidson & Co. |
| Brian Martin | Janney Montgomery Scott LLC |
| Christopher McGratty | Keefe, Bruyette, & Woods |