Old Second Bancorp Inc (OSBC)
🔔 Watch stock
Stock Watch
Stock Watch will tell you what changes at Old Second Bancorp Inc.
Later $1 a month per stock — signing up is free, and you'll be the first to know when it launches.
Appears in These Scanners
This stock currently matches 2 of our scanner strategies — each hit links to the scanner.
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners
Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 25.30 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 15.9% passed
- More than 10% revenue growth is expected for the coming year 1.9% failed
- Share count grows by less than 3% a year 5.8% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 47.8% passed
- Gross margin at 40% or higher and without meaningful erosion 78.1% failed
- Goodwill from acquisitions does not grow faster than revenue 1.9% passed
- Net debt below twice EBITDA 1.2 x EBITDA passed
- Operating cash flow covers the profits of the last three years 113 m passed
- Return on capital at 15% or higher, or up versus two years ago 2.3% failed
- Insiders hold at least 10% or are net buyers 4.5% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 8.7% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.20 | 2.17 – 2.24 | 335 | 7.0% | 6 |
| 12/31/2027 | 2.39 | 2.30 – 2.45 | 342 | 8.3% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.56 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.42 | 4.30 | 85 | 5.30 | 22.40 | 24 | 22 |
| 2025: Q1 | 0.43 | -7.40 | 82 | -0.20 | 24.10 | 18 | 16 |
| 2025: Q2 | 0.48 | -0.40 | 85 | 2.00 | 25.80 | 24 | 26 |
| 2025: Q3 | 0.18 | -63.30 | 116 | 35.50 | 8.50 | 36 | 35 |
| 2025: Q4 | 0.54 | 28.60 | 115 | 34.00 | 25.20 | 44 | 43 |
| 2026: Q1 | 0.48 | 10.30 | 111 | 34.90 | 23.00 | 37 | 36 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 101 | 25 | 16 | 0.53 | 27 | 175 | 2,251 |
| 2017 | 117 | 34 | 15 | 0.50 | 37 | 200 | 2,383 |
| 2018 | 137 | 44 | 34 | 1.12 | 55 | 229 | 2,676 |
| 2019 | 149 | 52 | 39 | 1.30 | 53 | 278 | 2,636 |
| 2020 | 140 | 37 | 28 | 0.92 | 26 | 2,947 | 3,041 |
| 2021 | 142 | 28 | 20 | 0.65 | 31 | 6,064 | 6,212 |
| 2022 | 255 | 92 | 67 | 1.49 | 97 | 461 | 5,888 |
| 2023 | 321 | 124 | 92 | 2.02 | 116 | 577 | 5,723 |
| 2024 | 336 | 113 | 85 | 1.87 | 132 | 671 | 5,649 |
| 2025 | 397 | 111 | 80 | 1.50 | 122 | 897 | 6,903 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Old Second Bancorp, Inc. ist die Bankholding der Old Second National Bank, die kommunale Bankdienstleistungen in den USA anbietet.
| Employees | 1,062 |
|---|---|
| Headquarters | Aurora, IL |
| Address | 37 South River Street, 60507 Aurora, United States |
| Phone | 630 892 0202 |
| Website | oldsecond.com |
| IPO Date | 18. Aug 1995 |
| ISIN | US6802771005 |
| Stock Split | 2:1 on 07/29/2004 |
Management
| Name | Title | Birth Year |
|---|---|---|
| James L. Eccher | President, CEO & Chairman of the Board | 1965 |
| Bradley S. Adams | Executive VP, COO & CFO | 1974 |
| Darin P. Campbell | Director, EVP & President, Nat'l Specialty Lending, President, FreedomRoad Fin. & Performance Fin. | 1966 |
| Donald J. Pilmer | Executive VP & Chief Lending Officer | 1965 |
| Shirley Cantrell | Shareholder Relations Manager | 1962 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.