Old Second Bancorp, Inc. (NASDAQ: OSBC) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 14.04 | EPS (ttm) | 1.78 | Insider Own | 4.72% | Shs Outstand | 51.43M | Perf Week | -2.31% |
| Market Cap | 1.29B | Forward P/E | 10.47 | EPS next Y | 2.39 | Insider Trans | -8.62% | Shs Float | 40.85M | Perf Month | -0.20% |
| Enterprise Value | 1.71B | PEG | - | EPS next Q | 0.58 | Inst Own | - | Short Float | 4.90% | Perf Quarter | 14.16% |
| Income | 92.80M | P/S | 2.99 | EPS this Y | 25.67% | Inst Trans | - | Short Ratio | 4.89 | Perf Half Y | 27.63% |
| Sales | 429.93M | P/B | 1.42 | EPS next Y | 9.15% | ROA | 1.35% | Short Interest | 2.00M | Perf YTD | 28.15% |
| Book/sh | - | P/C | 8.79 | EPS next 5Y | 9.15% | ROE | 10.39% | 52W High | 26.06 -4.11% | Perf Year | 39.53% |
| Cash/sh | - | P/FCF | 9.09 | EPS past 3/5Y | 2.83% 11.98% | ROIC | 1.38% | 52W Low | 16.65 50.09% | Perf 3Y | 76.86% |
| Dividend Est. | 0.28 (1.12%) | EV/EBITDA | 12.72 | Sales past 3/5Y | 15.90% 23.18% | Gross Margin | 79.79% | Volatility | 2.12% 1.72% | Perf 5Y | 110.35% |
| Dividend TTM | 0.28 (1.12%) | EV/Sales | 3.97 | EPS Y/Y TTM | -6.95% | Oper. Margin | 29.60% | ATR (14) | 0.46 | Perf 10Y | 198.57% |
| Dividend Ex-Date | Jul 31, 2026 | Quick Ratio | 0.12 | Sales Y/Y TTM | 27.68% | Profit Margin | 21.50% | RSI (14) | 44.83 | Recom | 2.17 |
| Dividend Gr. 3/5Y | 7.72% 44.27% | Current Ratio | 0.12 | EPS Q/Q | 14.58% | SMA20 | -1.33% | Beta | 0.77 | Target Price | 26.33 |
| Payout | 15.31% | Debt/Eq | 0.52 | Sales Q/Q | 4.71% | SMA50 | 0.04% | Rel Volume | 1.65 | Prev Close | 24.92 |
| Employees | 1,062 | LT Debt/Eq | 0.11 | Earnings | Oct 21 | SMA200 | 14.66% | Avg Volume | 438.39K | Price | 24.99 |
| IPO Date | Nov 16, 1993 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 0.92% 1.80% | Net Debt/EBITDA | 3.14 | Volume | 723,312 | Change | 0.28% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-27-26 | Reiterated | Piper Sandler | Overweight | $26 → $30 |
| Jul-07-26 | Resumed | Raymond James | Outperform | $17 → $26 |
| Jun-26-26 | Reiterated | Piper Sandler | Overweight | $25 → $26 |
| Apr-27-26 | Reiterated | Piper Sandler | Overweight | $23 → $25 |
| Mar-27-26 | Reiterated | Stephens | Overweight | $20 → $23 |
| Jan-23-26 | Reiterated | DA Davidson | Neutral | $18 → $23 |
| Apr-25-25 | Reiterated | Stephens & Co. | Overweight | $20 |
| Oct-18-24 | Reiterated | Piper Sandler | Overweight | $23 |
| Oct-17-24 | Reiterated | D.A. Davidson | Neutral | $17 → $18 |
| Oct-17-24 | Reiterated | Piper Sandler | Overweight | $20 → $23 |
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 429 | 397 | 336 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 87 | 87 | 69 | — | — | — | — | — | — | |
| Gross Profit | 343 | 310 | 267 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 116 | 129 | 103 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 99 | 70 | 51 | — | — | — | — | — | — | |
| Operating Income | 127 | 111 | 113 | — | — | — | — | — | — | |
| Interest Expense | 75 | 62 | 56 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 72 | 59 | 56 | — | — | — | — | — | — | |
| Net Income Before Taxes | 124 | 108 | 113 | — | — | — | — | — | — | |
| Income Taxes | 31 | 27 | 28 | — | — | — | — | — | — | |
| Consolidated Net Income | 93 | 80 | 85 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 93 | 80 | 85 | — | — | — | — | — | — | |
| Net Income | 93 | 80 | 85 | — | — | — | — | — | — | |
| EPS (Recurring) | 1.78 | 1.64 | 1.90 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 1.78 | 1.64 | 1.90 | — | — | — | — | — | — | |
| EPS (Diluted) | 1.74 | 1.62 | 1.87 | — | — | — | — | — | — | |
| EBITDA | 134 | 121 | 122 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 14.36 | 12.04 | 9.51 | — | — | — | — | — | — | |
| Price To Sales Ratio | 2.97 | 2.60 | 2.38 | — | — | — | — | — | — | |
| Gross Margin | 79.95 | 78.09 | 79.46 | — | — | — | — | — | — | |
| Operating Margin | 29.60 | 27.96 | 33.63 | — | — | — | — | — | — | |
| Net Margin | 21.68 | 20.15 | 25.30 | — | — | — | — | — | — | |
| Shares Outstanding | 51 | 53 | 45 | — | — | — | — | — | — | |
| Market Capitalization | 1,274 | 1,034 | 800 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| COLLINS GARY S | VICE CHAIRMAN | Sep 04 '26 | Sale | 25.70 | 5,000 | 128,525 | 53,136 | Sep 11 |
| MCLEAN HUGH H | Director | Sep 08 '26 | Sale | 25.63 | 25,000 | 640,768 | 135,351 | Sep 08 |
| MCLEAN HUGH H | Director | Sep 03 '26 | Sale | 25.73 | 25,000 | 643,175 | 135,351 | Sep 03 |
| Campbell Darin Patrick | President, Powersports Lending | Sep 02 '26 | Sale | 25.53 | 24,000 | 612,792 | 250,589 | Sep 03 |
| Eccher James | CHAIRMAN AND CEO | Aug 12 '26 | Sale | 25.61 | 19,313 | 494,701 | 303,399 | Aug 13 |
| Eccher James | CHAIRMAN AND CEO | Aug 11 '26 | Sale | 25.46 | 55,687 | 1,417,763 | 322,712 | Aug 12 |
| COLLINS GARY S | VICE CHAIRMAN | May 22 '26 | Sale | 21.12 | 5,120 | 108,134 | 58,136 | May 26 |
| COLLINS GARY S | VICE CHAIRMAN | May 21 '26 | Sale | 21.12 | 10,000 | 211,200 | 63,256 | May 21 |
| Lyons Billy J Jr. | Director | May 11 '26 | Buy | 20.90 | 24 | 502 | 20,097 | May 12 |
| Pilmer Donald | EVP | May 11 '26 | Sale | 20.75 | 25,000 | 518,795 | 48,054 | May 11 |
| COLLINS GARY S | VICE CHAIRMAN | May 08 '26 | Sale | 21.23 | 15,000 | 318,525 | 30,136 | May 11 |
| COLLINS GARY S | VICE CHAIRMAN | Mar 20 '26 | Sale | 19.38 | 22,154 | 429,435 | 40,136 | Mar 23 |
| Campbell Darin Patrick | President, Powersports Lending | Feb 18 '26 | Sale | 20.94 | 35,000 | 732,900 | 274,589 | Feb 19 |
| Campbell Darin Patrick | President, Powersports Lending | Feb 13 '26 | Sale | 20.70 | 91 | 1,884 | 309,589 | Feb 18 |
| Gartelmann Richard A JR | EVP | Feb 05 '26 | Sale | 20.98 | 2,000 | 41,950 | 24,874 | Feb 05 |