OSBC Stock Analysis: Old Second Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.276m USD | 12M Return: 40.3% | US6802771005 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.62M
EPS Trend: 10.6%
Qual. Beats: 0
Rev. Trend: 90.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 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 0.13 > 1.0 |
| NWC/Revenue: -81.77% < 20% (prev -889.8%; Δ 808.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 145.7m > Net Income 92.4m |
| Net Debt (422.0m) to EBITDA (137.8m): 3.06 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.1m) vs 12m ago 14.00% < -2% |
| Gross Margin: 79.82% > 18% (prev 81.86%; Δ -2.04% > 0.5%) |
| Asset Turnover: 6.85% > 50% (prev 5.92%; Δ 0.93% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBIT TTM 127.2m / Interest Expense TTM 75.6m) |
| A: -0.05 (Total Current Assets 46.7m - Total Current Liabilities 398.2m) / Total Assets 6.85b |
| B: 0.09 (Retained Earnings 583.7m / Total Assets 6.85b) |
| C: 0.02 (EBIT TTM 127.2m / Avg Total Assets 6.28b) |
| D: 0.15 (Book Value of Equity 902.8m / Total Liabilities 5.95b) |
| Altman-Z'' = 0.24 = B |
As of September 03, 2026, the stock is trading at USD 25.53 with a total of 508,364 shares traded. Over the past week, the price has changed by +1.11%, over one month by -0.97%, over three months by +19.85% and over the past year by +40.34%.
Current recommended Stop Loss: 25.00 (which is 2.1% or 1.3 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 | 27.5 | 7.7% |
P/E Trailing = 14.4971
P/E Forward = 8.5985
P/S = 3.7378
P/B = 1.4184
P/EG = 1.5083
Revenue TTM = 429.9m USD
EBIT TTM = 127.2m USD
EBITDA TTM = 137.8m USD
Long Term Debt = 70.4m USD (from longTermDebt, last quarter)
Short Term Debt = 398.2m USD (from shortTermDebt, last quarter)
Debt = 468.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 422.0m USD (calculated: Debt 468.7m - CCE 46.7m)
Enterprise Value = 1.70b USD (1.28b + Debt 468.7m - CCE 46.7m)
Interest Coverage Ratio = 1.68 (Ebit TTM 127.2m / Interest Expense TTM 75.6m)
EV/FCF = 12.01x (Enterprise Value 1.70b / FCF TTM 141.4m)
FCF Yield = 8.33% (FCF TTM 141.4m / Enterprise Value 1.70b)
FCF Margin = 32.90% (FCF TTM 141.4m / Revenue TTM 429.9m)
Net Margin = 21.50% (Net Income TTM 92.4m / Revenue TTM 429.9m)
Gross Margin = 79.82% ((Revenue TTM 429.9m - Cost of Revenue TTM 86.8m) / Revenue TTM)
Gross Margin QoQ = none% (prev 75.98%)
Tobins Q-Ratio = 0.25 (Enterprise Value 1.70b / Total Assets 6.85b)
Interest Expense / Debt = 16.13% (Interest Expense 75.6m / Debt 468.7m)
Taxrate = 25.61% (31.8m / 124.2m)
NOPAT = 94.7m (EBIT 127.2m * (1 - 25.61%))
Current Ratio = 0.12 (Total Current Assets 46.7m / Total Current Liabilities 398.2m)
Debt / Equity = 0.52 (Debt 468.7m / totalStockholderEquity, last quarter 902.8m)
Debt / EBITDA = 3.06 (Net Debt 422.0m / EBITDA 137.8m)
Debt / FCF = 2.98 (Net Debt 422.0m / FCF TTM 141.4m)
Total Stockholder Equity = 889.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 92.4m / Total Assets 6.85b)
RoE = 10.39% (Net Income TTM 92.4m / Total Stockholder Equity 889.9m)
RoCE = 13.25% (EBIT 127.2m / Capital Employed (Equity 889.9m + L.T.Debt 70.4m))
RoIC = 1.39% (NOPAT 94.7m / Invested Capital 6.83b)
WACC = 9.18% (E(1.28b)/V(1.74b) * Re(8.14%) + D(468.7m)/V(1.74b) * Rd(16.13%) * (1-Tc(0.26)))
Discount Rate = 8.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.38 | Cagr: 6.20%
[DCF] Terminal Value 75.34% ; FCFF base≈128.9m ; Y1≈147.8m ; Y5≈217.5m
[DCF] Fair Price = 47.85 (EV 2.86b - Net Debt 422.0m = Equity 2.43b / Shares 50.9m; r=9.18% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 10.61 | EPS CAGR: 0.67% | SUE: 0.32 | # QB: 0
Revenue Correlation: 90.87 | Revenue CAGR: 11.69% | SUE: 0.19 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.58 | Chg30d=+0.82% | Revisions=+29% | Analysts=6
EPS current Year (2026-12-31): EPS=2.20 | Chg30d=-0.15% | Revisions=+0% | GrowthEPS=+7.0% | GrowthRev=+14.2%
EPS next Year (2027-12-31): EPS=2.39 | Chg30d=+3.50% | Revisions=+57% | GrowthEPS=+8.3% | GrowthRev=+2.1%
[Analyst] Revisions Ratio: +46% (up=8, down=2)