(OSBC) Old Second Bancorp - Ratings and Ratios

Old Second Bancorp, Inc. is a bank holding company for Old Second National Bank, a community-focused financial institution with a legacy dating back to 1871. Headquartered in Aurora, Illinois, the company provides a comprehensive suite of banking services tailored to both individual and business clients. Its deposit products include a variety of checking, savings, money market, and time deposit accounts, as well as certificates of deposit and individual retirement accounts. On the lending side, Old Second offers a diverse portfolio of loans, including commercial and industrial loans, real estate loans for residential and commercial properties, construction and development loans, home equity lines of credit, and consumer loans for vehicles, home improvements, and other personal needs. Additionally, the bank provides lease financing, overdraft checking, and safe deposit services. Its digital banking platform includes online and mobile banking, while corporate cash management solutions cover remote deposit capture, investment sweep accounts, automated tax payments, and other treasury services. The bank also offers investment, agency, and custodial services for individual and institutional clients. With a strong commitment to community banking, Old Second Bancorp operates with a focus on personalized service and financial solutions designed to meet the evolving needs of its customers.

From a technical perspective, Old Second Bancorps stock (NASDAQ:OSBC) has shown moderate volatility, with an ATR of 0.69 and an average 20-day volume of 236,670 shares. The stock is currently trading at $16.39, slightly above its 50-day SMA of $16.21 but below its 200-day SMA of $16.89, suggesting a neutral short-term outlook with potential for stabilization. Fundamentally, the companys market cap of $702.73 million reflects its established presence in the regional banking sector. Its P/E ratio of 8.51 and forward P/E of 8.60 indicate a reasonable valuation relative to earnings, while a P/B ratio of 1.01 suggests that the stock is trading near book value. The return on equity (RoE) of 12.66% highlights the companys ability to generate profits from shareholder equity. Overall, Old Second Bancorp is positioned for steady performance, supported by its solid financial metrics and long-standing reputation in community banking.