Old Second Bancorp, Inc.
Financial ServicesNASDAQ:OSBC · NASDAQ Global Select
+$0.28 today
Vol 0.28M · Avg 0.39M
Intrinsic Value
OSBC Intrinsic Value
Start with the valuation result. Compare the current market price with the system DCF estimate, then use the supporting sections below to decide whether the assumptions are reasonable.
Intrinsic Value
System DCF · consensus of 4 models
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Valuation History
Is OSBC cheaper or more expensive than usual?
Review how the market has valued Old Second Bancorp, Inc. over time before deciding whether today’s discount or premium is unusual.
Price History
Dividend-adjusted closing price
Change
+36.94%
Period High
$22.50
Period Low
$16.38
Latest
$22.50
Analyst Targets
See where analysts expect OSBC to trade next
Compare the latest consensus target range with the current share price to understand how much upside or downside Wall Street is pricing in.
Wall Street Price Targets
1-year price history with analyst consensus target
Current
$22.50
Low Target
$23.00
Avg Target
$23.67
High Target
$25.00
Upside (Avg)
+5.20%
Alternatives to OSBC
Compare Old Second Bancorp, Inc. with similar companies
A stock can look attractive in isolation and still be less compelling than a peer. Check competitors before committing to the thesis.
Competitors
Peer companies in the same sector
Texas Capital Bancshares, Inc.
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Merchants Bancorp
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$2.30B
Tompkins Financial Corporation
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$1.32B
Peoples Bancorp Inc.
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$1.31B
First Mid Bancshares, Inc.
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$1.24B
OceanFirst Financial Corp.
NASDAQ:OCFC
$1.07B
FirstSun Capital Bancorp
NASDAQ:FSUN
$1.03B
Southside Bancshares, Inc.
NYSE:SBSI
$1.02B
Burke & Herbert Financial Services Corp.
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$1.01B
Central Pacific Financial Corp.
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$955.30M
Fundamental Analysis
Capture the investment case and test company quality
Write down the key idea, risks, and what would change your mind. Then review growth, profitability, returns, owner payouts, and insider activity.
My Notes
Journal entries for OSBC
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Quality Snapshot
Start with the numbers that compound value
Check whether earnings, revenue, equity, cash, and returns on capital are moving in the same direction as your written thesis.
Big Five Numbers
CAGR by period · ROIC shows average
| Metric | 10yr | 5yr | 3yr | 1yr |
|---|---|---|---|---|
EPS | N/A | N/A | N/A | +0.0% |
Revenue | N/A | N/A | -4.3% | +1.4% |
Equity | +12.2% | +22.9% | +29.2% | +60.3% |
Cash | N/A | N/A | -32.0% | -8.7% |
ROIC | 4.1% | 5.1% | 5.3% | 2.7% |
Analysis
Latest growth is strongest in Equity at +60.3% and weakest in Cash at -8.7%. Three-year average ROIC is 5.3%, which helps show whether that growth is being earned efficiently.
Growth Profile
Compare historical growth with forward expectations
Strong past growth matters more when analysts still expect the business to expand without relying on one temporary driver.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | N/A | +14.3% (12yr)4 analysts |
| Revenue | N/A | N/A | -4.3% | +12.3% (12yr)4 analysts |
| Net Income | N/A | N/A | N/A | +18.9% (12yr)4 analysts |
| EBIT | N/A | N/A | N/A | +15.2% (12yr)4 analysts |
Analysis
Recent growth has been strongest in Revenue at -4.3% over three years. Forward estimates point to Net Income at +18.9% (12yr), giving you a quick check on whether expectations are accelerating or cooling.
Earnings Quality
Follow revenue through to net income
Use the waterfall to see which costs, margins, and operating lines explain how much of each sales dollar becomes profit.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$425.7M of revenue converted into $86.1M of net income for the selected period. Gross margin is 76.9% and net margin is 20.6%, showing how much revenue survives after costs and taxes. EPS is $1.68, tying the income statement back to per-share earnings.
Capital Efficiency
Measure how well Old Second Bancorp, Inc. turns capital into returns
Returns on equity, invested capital, and assets help separate durable operators from businesses that only grow by adding more capital.
Return Metrics
ROE, ROIC & ROA over time
ROE
9.0%
avg 11.0%
ROIC
-45.5%
avg 1.4%
ROA
1.2%
avg 1.0%
Analysis
ROE is currently the strongest return metric at 9.0% versus its period average of 11.0%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Owner Returns
Review how cash comes back to shareholders
Dividends, buybacks, and debt paydown show whether excess cash is being reinvested, returned, or used to strengthen the balance sheet.
Shareholder Returns
Dividend, buyback & debt paydown yields
Dividend Yield (TTM)
1.16%
Buyback Yield (TTM)
2.66%
Debt Paydown (TTM)
0.00%
Total Yield (TTM)
3.82%
Analysis
Total TTM shareholder yield is 3.82% including 0.00% from debt paydown. The largest current contributor is buybacks at 2.66%, which helps show whether capital returns are coming from direct cash payouts, share count reduction, or balance sheet cleanup.
Dividend Record
Check payout durability before counting on yield
A dividend is more useful when growth, payout ratio, and free cash flow support the current yield.
Dividends
Dividend history, growth & yield
Yield
1.20%
Annual Div/Share
$0.27
Payout Ratio
15.4%
Frequency
Quarterly
Shareholder Yield
1.72%
Next Ex-Date
Not announced
Next Payment
—
1Y Growth
+17.4%
3Y CAGR
+10.5%
5Y CAGR
+27.5%
Dividend Payments, Annual Total (TTM) & Yield
Analysis
The current indicated dividend yield is 1.20%, with TTM dividends of $0.27 per share. Three-year dividend growth is +10.5%, which helps show whether payouts are compounding or flattening. The payout ratio is 15.4%, so compare payout growth against earnings coverage. Payments are currently quarterly.
Company Overview
Understand how Old Second Bancorp, Inc. makes money
Finish by grounding the numbers in the company profile, leadership, balance sheet, and free cash flow.
Key Information
Leadership
Put the business in management context
Company facts explain what Old Second Bancorp, Inc. does; leadership context helps you judge who is responsible for capital allocation and execution.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Darin Campbell | Director, EVP & President, Nat'l Specialty Lending, President, FreedomRoad Fin. & Performance Fin. | $3.97M | — | 60 | $274,589.00 | 0.53% |
James L. Eccher | President, Chief Executive Officer & Chairman of the Board | $2.03M | — | 61 | $6,357.00 | 0.01% |
Bradley S. Adams | Executive Vice President, Chief Operating Officer & Chief Financial Officer | $1.04M | — | 52 | $10,159.00 | 0.02% |
Donald J. Pilmer | Executive Vice President & Chief Lending Officer | $726,464.00 | — | 61 | $48,054.00 | 0.09% |
Richard A. Gartelmann Jr. | EVP & Head of Wealth Management | $468,314.00 | — | 57 | $20,097.00 | 0.04% |
Chris Lasse | Senior Vice President of Human Resources | — | — | 46 | — | — |
Kris Wieschhaus | Senior Vice President & Chief Technology Officer | — | — | 39 | — | — |
Michael Berry | Chief Audit Executive | — | — | 41 | — | — |
Robert T. Bresnahan | Senior Vice President & Director of Trust | — | — | — | — | — |
Steven C. Meves | Chief Investment Officer of Wealth Management Group | — | — | — | — | — |
Jacqueline Ann Runnberg | Senior Vice President & MD of Wealth Management | — | — | 61 | — | — |
Shirley Cantrell | Shareholder Relations Manager | — | — | 64 | — | — |
Joseph Monocchio | Senior Vice President of Retirement Plan Services | — | — | 65 | — | — |
John T. Matejcak | Senior VP & Fiduciary Officer and Trust Counsel | — | — | — | $10,595.00 | 0.02% |
Sylvia Balogh | Executive Vice President of Retail Banking | — | — | 50 | — | — |
Chris LaPorta CTFA | Senior Vice President & Senior Wealth Advisor | — | — | 42 | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
2
$916.85
Sells
15
$4.00M
Net Sentiment
$4.00M
Net selling
Most Active
COLLINS GARY S
5 transactions
1–10 of 17
Analysis
Insiders reported 2 buys worth $916.85 and 15 sells worth $4.00M over the last 12 months. That adds up to net selling of $4.00M. COLLINS GARY S was the most active insider with 5 transactions.
Financial Position
Check what supports the company underneath the income statement
The balance sheet shows liquidity, debt, asset mix, and book value quality before you rely on earnings or growth assumptions.
Balance Sheet
Assets, liabilities & equity
| Cash & Equivalents | $48.1M |
| Total Current Assets | $48.1M |
| PP&E (Net) | $85.6M |
| Goodwill | $129.2M |
| Intangible Assets | $22.5M |
| Long-term Investments | $6.3B |
| Tax Assets | $31.3M |
| Other Non-current | $199.9M |
| Total Non-current Assets | $6.8B |
| Total Assets | $6.8B |
Analysis
Selected assets total $6.8B for Latest. The largest visible component is Long-term Investments at $6.3B, about 92.5% of the tab total. Use the mix to judge balance sheet concentration, liquidity, leverage, and how much of book value is supported by tangible operating assets.
Cash Generation
Finish by testing whether profit turns into cash
Free cash flow connects accounting earnings to owner earnings, showing how much cash remains after reinvestment needs.
Free Cash Flow
Net Income to FCF bridge
Analysis
Analysis will appear once cash flow data is available for this period.
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