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Old Second Bancorp, Inc. OSBC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 17.02
1.27 %
$ 767 M
Market Cap
9.18
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one OSBC stock under the worst case scenario is HIDDEN Compared to the current market price of 17 USD, Old Second Bancorp, Inc. is HIDDEN

OSBC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one OSBC stock under the base case scenario is HIDDEN Compared to the current market price of 17 USD, Old Second Bancorp, Inc. is HIDDEN

OSBC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one OSBC stock under the best case scenario is HIDDEN Compared to the current market price of 17 USD, Old Second Bancorp, Inc. is HIDDEN

OSBC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart OSBC

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1M -12%
6M -10%
1Y 14.0%
3Y 26%
5Y 113.0%
All
$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.015 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 JulAug '25Aug '25
FINANCIALS
336 M REVENUE
4.72%
Growth Rates
1Year 4.72%
3Years 33.31%
5Years 17.60%
7Years 16.34%
10Years 13.38%
113 M OPERATING INCOME
-9.21%
Growth Rates
1Year -9.21%
3Years 59.44%
5Years 16.85%
7Years 18.56%
10Years 21.66%
85.3 M NET INCOME
-7.05%
Growth Rates
1Year -7.05%
3Years 62.03%
5Years 16.66%
7Years 28.01%
10Years 23.73%
132 M OPERATING CASH FLOW
13.00%
Growth Rates
1Year 13.00%
3Years 61.81%
5Years 20.10%
7Years 19.82%
10Years 36.74%
323 M INVESTING CASH FLOW
99.75%
Growth Rates
1Year 99.75%
3Years 34.40%
5Years 50.20%
7Years 23.72%
10Years 21.27%
-455 M FINANCING CASH FLOW
-55.31%
Growth Rates
1Year -55.31%
3Years -40.31%
5Years -35.55%
7Years -27.18%
10Years -22.48%
75.2 M REVENUE
-8.68%
Growth Rates
1Year 4.72%
3Years 33.31%
5Years 17.60%
7Years 16.34%
10Years 13.38%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -9.21%
3Years 59.44%
5Years 16.85%
7Years 18.56%
10Years 21.66%
19.8 M NET INCOME
3.77%
Growth Rates
1Year -7.05%
3Years 62.03%
5Years 16.66%
7Years 28.01%
10Years 23.73%
17.8 M OPERATING CASH FLOW
-25.66%
Growth Rates
1Year 13.00%
3Years 61.81%
5Years 20.10%
7Years 19.82%
10Years 36.74%
76.7 M INVESTING CASH FLOW
-70.41%
Growth Rates
1Year 99.75%
3Years 34.40%
5Years 50.20%
7Years 23.72%
10Years 21.27%
62.2 M FINANCING CASH FLOW
120.76%
Growth Rates
1Year -55.31%
3Years -40.31%
5Years -35.55%
7Years -27.18%
10Years -22.48%
Balance Sheet Old Second Bancorp, Inc.
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Current Assets 1.75 B
Cash & Short-Term Investments 1.26 B
Receivables 490 M
Other Current Assets 0
Non-Current Assets 3.9 B
Long-Term Investments 3.45 B
PP&E 87.3 M
Other Non-Current Assets 362 M
22.32 %8.67 %61.06 %6.40 %Total Assets$5.6b
Current Liabilities 4.83 B
Accounts Payable 0
Short-Term Debt 56.7 M
Other Current Liabilities 4.77 B
Non-Current Liabilities 153 M
Long-Term Debt 85.2 M
Other Non-Current Liabilities 67.7 M
95.79 %Total Liabilities$5.0b
EFFICIENCY
Earnings Waterfall Old Second Bancorp, Inc.
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Revenue 336 M
Cost Of Revenue 69 M
Gross Profit 267 M
Operating Expenses 154 M
Operating Income 113 M
Other Expenses 27.7 M
Net Income 85.3 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00336m(69m)267m(154m)113m(28m)85mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
79.47% GROSS MARGIN
79.47%
Averages
1Year 79.47%
3Years 85.08%
5Years 85.97%
7Years 86.16%
10Years 87.60%
33.60% OPERATING MARGIN
33.60%
Averages
1Year 33.60%
3Years 36.07%
5Years 30.94%
7Years 31.64%
10Years 30.04%
25.36% NET MARGIN
25.36%
Averages
1Year 25.36%
3Years 26.78%
5Years 22.88%
7Years 23.66%
10Years 21.01%
12.71% ROE
12.71%
Averages
1Year 12.71%
3Years 14.40%
5Years 11.25%
7Years 12.19%
10Years 11.17%
1.51% ROA
1.51%
Averages
1Year 1.51%
3Years 1.42%
5Years 1.10%
7Years 1.18%
10Years 1.03%
9.68% ROIC
9.68%
Averages
1Year 9.68%
3Years 8.77%
5Years 6.90%
7Years 6.90%
10Years 6.05%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Old Second Bancorp, Inc.
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140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 85.3 M
Depreciation & Amortization 9.16 M
Capital Expenditures -10.8 M
Stock-Based Compensation 3.91 M
Change in Working Capital 20 M
Others 11 M
Free Cash Flow 121 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Old Second Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for OSBC of $20.1 , with forecasts ranging from a low of $17 to a high of $23 .
OSBC Lowest Price Target Wall Street Target
17 USD -0.12%
OSBC Average Price Target Wall Street Target
20.1 USD 18.10%
OSBC Highest Price Target Wall Street Target
23 USD 35.14%
Price
Max Price Target
Min Price Target
Average Price Target
2323222221212020191918181717161615151414Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.06 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.250.250.200.200.150.150.100.100.050.050.000.000.010.010.010.010.010.050.050.050.060.010.010.010.010.010.050.050.050.050.060.010.010.010.010.010.050.050.050.050.060.010.040.010.040.010.040.010.040.010.040.050.200.050.200.050.200.060.220.1220162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Old Second Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
254 K USD 1
9-12 MONTHS
0 USD 0
Bought
415 USD 1
0-3 MONTHS
418 USD 1
3-6 MONTHS
100 K USD 2
6-9 MONTHS
342 USD 1
9-12 MONTHS
7. News
Should Value Investors Buy Old Second Bancorp (OSBC) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 week ago
Old Second Bancorp, Inc. (OSBC) Q2 2025 Earnings Call Transcript Old Second Bancorp, Inc. (NASDAQ:OSBC ) Q2 2025 Earnings Conference Call July 24, 2025 10:00 AM ET Company Participants Bradley S. Adams - Executive VP, COO & CFO James L. seekingalpha.com - 1 week ago
Old Second Bancorp (OSBC) Q2 Earnings Lag Estimates Old Second Bancorp (OSBC) came out with quarterly earnings of $0.48 per share, missing the Zacks Consensus Estimate of $0.49 per share. This compares to earnings of $0.46 per share a year ago. zacks.com - 1 week ago
Old Second Bancorp, Inc. Reports Second Quarter 2025 Net Income of $21.8 Million, or $0.48 per Diluted Share AURORA IL / ACCESS Newswire / July 23, 2025 / Old Second Bancorp, Inc. (the "Company," "Old Second," "we," "us," and "our") (NASDAQ:OSBC), the parent company of Old Second National Bank (the "Bank"), today announced financial results for the second quarter of 2025. Our net income was $21.8 million, or $0.48 per diluted share, for the second quarter of 2025, compared to net income of $19.8 million, or $0.43 per diluted share, for the first quarter of 2025, and net income of $21.9 million, or $0.48 per diluted share, for the second quarter of 2024. accessnewswire.com - 1 week ago
Old Second Bancorp (OSBC) Upgraded to Buy: Here's What You Should Know Old Second Bancorp (OSBC) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 1 month ago
Are Investors Undervaluing Old Second Bancorp (OSBC) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Old Second Completes Merger with Bancorp Financial AURORA, IL / ACCESS Newswire / July 1, 2025 / Old Second Bancorp, Inc. (NASDAQ:OSBC) ("Old Second") announced today that it has completed its previously announced merger with Bancorp Financial, Inc. ("Bancorp Financial"), effective July 1, 2025. Also, effective July 1, 2025, Bancorp Financial's subsidiary bank, Evergreen Bank Group, merged into Old Second's subsidiary bank, Old Second National Bank. accessnewswire.com - 1 month ago
Old Second Bancorp (OSBC) Is Up 0.24% in One Week: What You Should Know Does Old Second Bancorp (OSBC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 1 month ago
Should Value Investors Buy Old Second Bancorp (OSBC) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Should Value Investors Buy Old Second Bancorp (OSBC) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Are Investors Undervaluing Old Second Bancorp (OSBC) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Does Old Second Bancorp (OSBC) Have the Potential to Rally 30.43% as Wall Street Analysts Expect? The consensus price target hints at a 30.4% upside potential for Old Second Bancorp (OSBC). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term. zacks.com - 3 months ago
8. Profile Summary

Old Second Bancorp, Inc. OSBC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 767 M
Dividend Yield 0.00%
Description Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers 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. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.
Contact 37 South River Street, Aurora, IL, 60506-4173 https://www.oldsecond.com
IPO Date Nov. 16, 1993
Employees 877
Officers Ms. Shirley Cantrell Shareholder Relations Manager Mr. Bradley S. Adams Executive Vice President, Chief Operating Officer & Chief Financial Officer Mr. Steven C. Meves Chief Investment Officer of Wealth Management Group Mr. Chris Lasse Senior Vice President of Human Resources Mr. Joseph Monocchio Senior Vice President of Retirement Plan Services Mr. Richard A. Gartelmann Jr., CFP EVice President & Head of Wealth Management Ms. Jacqueline Ann Runnberg CFP Senior Vice President & MD of Wealth Management Mr. Donald J. Pilmer Executive Vice President & Chief Lending Officer Mr. Kris Wieschhaus Senior Vice President & Chief Technology Officer Mr. James L. Eccher President, Chief Executive Officer & Chairman of the Board