OSBC Stock Analysis: Old Second Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.215m USD | 12M Return: 23.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.06M
EPS Trend: -20.1%
Qual. Beats: 0
Rev. Trend: 90.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
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: 86.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.41 > 1.0 |
| NWC/Revenue: -453.3% < 20% (prev -991.5%; Δ 538.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 141.4m > Net Income 86.1m |
| Net Debt (275.2m) to EBITDA (128.4m): 2.14 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (53.5m) vs 12m ago 16.97% < -2% |
| Gross Margin: 76.42% > 18% (prev 80.64%; Δ -4.23% > 0.5%) |
| Asset Turnover: 6.77% > 50% (prev 5.87%; Δ 0.90% > 0%) |
| Interest Coverage Ratio: 1.73 > 6 (EBIT TTM 118.6m / Interest Expense TTM 68.8m) |
| A: -0.28 (Total Current Assets 48.1m - Total Current Liabilities 1.98b) / Total Assets 6.85b |
| B: 0.08 (Retained Earnings 559.1m / Total Assets 6.85b) |
| C: 0.02 (EBIT TTM 118.6m / Avg Total Assets 6.29b) |
| D: 0.15 (Book Value of Equity 893.3m / Total Liabilities 5.96b) |
| Altman-Z'' = -1.30 = CCC |
As of July 08, 2026, the stock is trading at USD 22.99 with a total of 354,430 shares traded. Over the past week, the price has changed by -0.95%, over one month by +5.90%, over three months by +10.16% and over the past year by +23.37%.
Current recommended Stop Loss: 22.30 (which is 3% 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 | 23.8 | 3.5% |
P/E Trailing = 14.1437
P/E Forward = 8.5985
P/S = 3.739
P/B = 1.3605
P/EG = 1.5083
Revenue TTM = 425.7m USD
EBIT TTM = 118.6m USD
EBITDA TTM = 128.4m USD
Long Term Debt = 100.2m USD (from longTermDebt, last quarter)
Short Term Debt = 223.1m USD (from shortTermDebt, last quarter)
Debt = 323.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 275.2m USD (calculated: Debt 323.3m - CCE 48.1m)
Enterprise Value = 1.49b USD (1.21b + Debt 323.3m - CCE 48.1m)
Interest Coverage Ratio = 1.73 (Ebit TTM 118.6m / Interest Expense TTM 68.8m)
EV/FCF = 10.69x (Enterprise Value 1.49b / FCF TTM 139.4m)
FCF Yield = 9.35% (FCF TTM 139.4m / Enterprise Value 1.49b)
FCF Margin = 32.74% (FCF TTM 139.4m / Revenue TTM 425.7m)
Net Margin = 20.22% (Net Income TTM 86.1m / Revenue TTM 425.7m)
Gross Margin = 76.42% ((Revenue TTM 425.7m - Cost of Revenue TTM 100.4m) / Revenue TTM)
Gross Margin QoQ = 75.98% (prev 83.18%)
Tobins Q-Ratio = 0.22 (Enterprise Value 1.49b / Total Assets 6.85b)
Interest Expense / Debt = 21.27% (Interest Expense 68.8m / Debt 323.3m)
Taxrate = 25.56% (29.6m / 115.6m)
NOPAT = 88.3m (EBIT 118.6m * (1 - 25.56%))
Current Ratio = 0.02 (Total Current Assets 48.1m / Total Current Liabilities 1.98b)
Debt / Equity = 0.36 (Debt 323.3m / totalStockholderEquity, last quarter 893.3m)
Debt / EBITDA = 2.14 (Net Debt 275.2m / EBITDA 128.4m)
Debt / FCF = 1.97 (Net Debt 275.2m / FCF TTM 139.4m)
Total Stockholder Equity = 843.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 86.1m / Total Assets 6.85b)
RoE = 10.20% (Net Income TTM 86.1m / Total Stockholder Equity 843.8m)
RoCE = 12.56% (EBIT 118.6m / Capital Employed (Equity 843.8m + L.T.Debt 100.2m))
RoIC = 1.29% (NOPAT 88.3m / Invested Capital 6.83b)
WACC = 10.05% (E(1.21b)/V(1.54b) * Re(8.51%) + D(323.3m)/V(1.54b) * Rd(21.27%) * (1-Tc(0.26)))
Discount Rate = 8.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 75.02 | Cagr: 7.54%
[DCF] Terminal Value 72.67% ; FCFF base≈120.8m ; Y1≈138.5m ; Y5≈203.8m
[DCF] Fair Price = 40.51 (EV 2.36b - Net Debt 275.2m = Equity 2.08b / Shares 51.4m; r=10.05% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -20.08 | EPS CAGR: -1.14% | SUE: -0.67 | # QB: 0
Revenue Correlation: 90.20 | Revenue CAGR: 10.41% | SUE: 0.80 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.55 | Chg30d=+0.00% | Revisions=+29% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.57 | Chg30d=+0.00% | Revisions=+38% | Analysts=5
EPS current Year (2026-12-31): EPS=2.21 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+7.1% | GrowthRev=+12.7%
EPS next Year (2027-12-31): EPS=2.31 | Chg30d=+0.44% | Revisions=+25% | GrowthEPS=+4.5% | GrowthRev=+2.1%
[Analyst] Revisions Ratio: +40% (up=9, down=3)