Symbols / OSBC Stock $22.06 +0.23% Old Second Bancorp, Inc.

Financial Services • Banks - Regional • United States • NMS
OSBC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. James L. Eccher
Exch · Country NMS · United States
Market Cap 1.13B
Enterprise Value 1.34B
Income 86.06M
Sales 324.91M
FCF (ttm) —
Book/sh 17.29
Cash/sh 2.33
Employees 1,062
Insider 10d —
IPO Nov 16, 1993
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E 13.21
Forward P/E 9.61
PEG 1.51
P/S 3.49
P/B 1.28
P/C —
EV/EBITDA —
EV/Sales 4.12
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.67
EPS next Y 2.30
EPS Growth 11.60%
Revenue Growth 19.20%
EPS Gr Q/Q 29.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 1.37%
ROE 10.84%
ROIC —
Gross Margin 0.00%
Oper. Margin 42.50%
Profit Margin 26.49%
Shs Outstand 51.43M
Shs Float 49.57M
Insider Own 4.53%
Instit Own 75.84%
Short Float 3.45%
Short Ratio 4.75
Short Interest 1.71M
52W High 22.67
vs 52W High -2.69%
52W Low 16.43
vs 52W Low 34.27%
Beta 0.72
Impl. Vol. 0.51%
Rel Volume 0.82
Avg Volume 392.29K
Volume 322.86K
Target (mean) $23.20
Tgt Median $23.00
Tgt Low $22.00
Tgt High $25.00
# Analysts 5
Recom None
Prev Close $22.01
Price $22.06
Change 0.23%
About

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides 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. The company was founded in 1871 and is headquartered in Aurora, Illinois.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.20
Mean price target
2. Current target
$22.06
Latest analyst target
3. DCF / Fair value
$25.05
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$22.06
Low
$22.00
High
$25.00
Mean
$23.20

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-27 main Piper Sandler Overweight → Overweight $25
2026-01-23 main DA Davidson Neutral → Neutral $23
2025-10-24 main Keefe, Bruyette & Woods Outperform → Outperform $23
2025-07-25 main DA Davidson Neutral → Neutral $19
2025-07-02 reit Piper Sandler Overweight → Overweight $25
2025-04-25 main Stephens & Co. Overweight → Overweight $20
2025-04-25 main Keefe, Bruyette & Woods Outperform → Outperform $22
2025-02-27 main Keefe, Bruyette & Woods Outperform → Outperform $24
2025-02-26 main Stephens & Co. Overweight → Overweight $22
2025-01-23 reit Stephens & Co. Overweight → Overweight $21
2024-10-18 main Piper Sandler Overweight → Overweight $23
2024-09-25 down DA Davidson Buy → Neutral $17
2024-09-17 down Raymond James Strong Buy → Outperform $18
2024-07-19 main DA Davidson Buy → Buy $19
2024-07-19 main Piper Sandler Overweight → Overweight $20
2024-04-19 reit Stephens & Co. Overweight → Overweight $17
2024-04-04 up Raymond James Outperform → Strong Buy $17
2024-01-26 main Raymond James Outperform → Outperform $17
2024-01-05 down Raymond James Strong Buy → Outperform $18
2023-10-20 main Piper Sandler Overweight → Overweight $19
News
RSS: Latest OSBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-22 COLLINS GARY S Officer and Director — 5,120 $21.12 $108,134
2026-05-21 COLLINS GARY S Officer and Director — 10,000 $21.12 $211,200
2026-05-11 PILMER DONALD Officer — 25,000 $20.75 $518,795
2026-05-11 LYONS BILLY J JR. Director — 24 $20.90 $502
2026-05-08 COLLINS GARY S Officer and Director — 15,000 $21.22 $318,525
2026-03-20 COLLINS GARY S Officer and Director — 22,154 $19.38 $429,435
2026-03-02 PILMER DONALD Officer — 9,201 $0.00 $0
2026-03-02 GARTELMANN RICHARD A JR Officer — 4,523 $0.00 $0
2026-03-02 ECCHER JAMES L Chief Executive Officer — 43,818 $0.00 $0
2026-03-02 ADAMS BRADLEY S. Chief Operating Officer — 15,657 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
333.10
+19.01%
279.90
-0.39%
280.99
+14.72%
244.92
Operating Revenue
333.10
+19.01%
279.90
-0.39%
280.99
+14.72%
244.92
Selling General And Administration
130.29
+26.39%
103.08
+10.60%
93.20
+2.67%
90.78
Selling And Marketing Expense
1.33
+7.08%
1.24
+72.40%
0.72
+22.41%
0.59
General And Administrative Expense
128.96
+26.63%
101.84
+10.11%
92.48
+2.54%
90.19
Salaries And Wages
124.66
+27.17%
98.03
+10.68%
88.57
+2.30%
86.57
Other Gand A
—
—
—
15.79
Reconciled Depreciation
11.25
+22.86%
9.16
+18.90%
7.70
+11.90%
6.88
Net Income
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Pretax Income
107.75
-4.61%
112.96
-9.21%
124.41
+35.89%
91.55
Net Interest Income
291.45
+21.76%
239.36
-4.26%
250.01
+21.83%
205.22
Interest Expense
62.22
+10.57%
56.27
+40.54%
40.04
+288.09%
10.32
Interest Income
353.66
+19.63%
295.63
+1.92%
290.05
+34.57%
215.54
Gain On Sale Of Security
0.01
0.00
+100.00%
-4.15
-339.41%
-0.94
Tax Provision
27.44
-0.91%
27.69
-15.26%
32.68
+35.35%
24.14
Tax Rate For Calcs
0.00
+4.08%
0.00
-6.84%
0.00
-0.38%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Net Income From Continuing Operation Net Minority Interest
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Net Income From Continuing And Discontinued Operation
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Net Income Continuous Operations
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Normalized Income
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Net Income Common Stockholders
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Diluted EPS
1.62
-13.37%
1.87
-7.43%
2.02
+35.57%
1.49
Basic EPS
1.64
-13.68%
1.90
-7.32%
2.05
+35.76%
1.51
Basic Average Shares
48.88
+9.03%
44.83
+0.37%
44.66
+0.31%
44.53
Diluted Average Shares
49.67
+8.83%
45.64
+0.54%
45.40
+0.40%
45.21
Diluted NI Availto Com Stockholders
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Amortization
4.54
+86.27%
2.44
-0.85%
2.46
-6.28%
2.63
Amortization Of Intangibles Income Statement
4.54
+86.27%
2.44
-0.85%
2.46
-6.28%
2.63
Depreciation Amortization Depletion Income Statement
4.54
+86.27%
2.44
-0.85%
2.46
-6.28%
2.63
Depreciation And Amortization In Income Statement
4.54
+86.27%
2.44
-0.85%
2.46
-6.28%
2.63
Insurance And Claims
4.29
+12.65%
3.81
-2.71%
3.92
+8.14%
3.62
Occupancy And Equipment
19.05
+17.92%
16.16
+11.93%
14.44
-3.70%
14.99
Other Non Interest Expense
38.24
+33.28%
28.69
+7.73%
26.63
-24.17%
35.12
Professional Expense And Contract Services Expense
5.67
+48.25%
3.82
+14.36%
3.34
+1.33%
3.30
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,902.68
+22.18%
5,649.38
-1.28%
5,722.80
-2.81%
5,888.32
Cash And Cash Equivalents
124.03
+24.86%
99.33
-0.81%
100.14
-13.05%
115.18
Cash Financial
51.66
-0.98%
52.17
-6.05%
55.53
-1.94%
56.63
Other Short Term Investments
783.59
-32.55%
1,161.70
-2.61%
1,192.83
-22.51%
1,539.36
Receivables
545.89
+11.49%
489.61
+23.87%
395.27
+43.99%
274.52
Other Receivables
545.89
+11.49%
489.61
+23.87%
395.27
+43.99%
274.52
Net PPE
86.64
-0.76%
87.31
+10.09%
79.31
+9.61%
72.36
Gross PPE
172.11
+3.29%
166.63
+8.71%
153.28
+5.87%
144.79
Accumulated Depreciation
-85.47
-7.74%
-79.32
-7.23%
-73.97
-2.13%
-72.43
Land And Improvements
30.25
-2.36%
30.98
+4.17%
29.74
+0.00%
29.74
Buildings And Improvements
64.00
+4.20%
61.43
+5.35%
58.31
+7.83%
54.08
Machinery Furniture Equipment
66.54
+4.15%
63.88
+11.21%
57.45
-1.26%
58.18
Leases
11.32
+9.44%
10.34
+32.83%
7.79
+179.03%
2.79
Goodwill And Other Intangible Assets
162.35
+29.19%
125.67
+16.31%
108.04
-2.97%
111.34
Goodwill
129.20
+38.53%
93.26
+7.84%
86.48
+0.00%
86.48
Other Intangible Assets
33.15
+2.30%
32.41
+50.29%
21.56
-13.29%
24.87
Investments And Advances
1,090.52
-6.13%
1,161.70
-2.61%
1,192.83
-22.51%
1,539.36
Total Liabilities Net Minority Interest
6,005.91
+20.64%
4,978.34
-3.25%
5,145.52
-5.19%
5,427.18
Current Debt And Capital Lease Obligation
215.00
+975.00%
20.00
-95.06%
405.00
+350.00%
90.00
Current Debt
215.00
+975.00%
20.00
-95.06%
405.00
+350.00%
90.00
Other Current Borrowings
215.00
+975.00%
20.00
-95.06%
405.00
+350.00%
90.00
Long Term Debt And Capital Lease Obligation
100.15
+17.49%
85.24
+0.10%
85.16
-38.58%
138.66
Long Term Debt
100.15
+17.49%
85.24
+0.10%
85.16
-38.58%
138.66
Stockholders Equity
896.77
+33.64%
671.03
+16.24%
577.28
+25.19%
461.14
Common Stock Equity
896.77
+33.64%
671.03
+16.24%
577.28
+25.19%
461.14
Capital Stock
53.02
+18.05%
44.91
+0.45%
44.70
+0.00%
44.70
Common Stock
53.02
+18.05%
44.91
+0.45%
44.70
+0.00%
44.70
Share Issued
53.02
+18.05%
44.91
+0.45%
44.71
+0.00%
44.71
Ordinary Shares Number
52.67
+17.37%
44.87
+0.39%
44.70
+0.26%
44.58
Treasury Shares Number
0.35
+913.91%
0.03
+372.17%
0.01
-94.11%
0.12
Additional Paid In Capital
341.45
+66.33%
205.28
+1.51%
202.22
-0.03%
202.28
Retained Earnings
537.23
+14.51%
469.17
+19.29%
393.31
+26.67%
310.51
Gains Losses Not Affecting Retained Earnings
-28.74
+39.81%
-47.75
+23.95%
-62.78
+32.58%
-93.12
Treasury Stock
6.19
+976.70%
0.57
+224.86%
0.18
-94.52%
3.23
Other Equity Adjustments
-28.74
+39.81%
-47.75
+23.95%
-62.78
+32.58%
-93.12
Total Equity Gross Minority Interest
896.77
+33.64%
671.03
+16.24%
577.28
+25.19%
461.14
Total Capitalization
996.92
+31.82%
756.27
+14.17%
662.44
+10.44%
599.80
Invested Capital
1,211.92
+56.12%
776.27
-27.28%
1,067.44
+54.75%
689.80
Total Debt
315.15
+199.46%
105.24
-78.53%
490.15
+114.36%
228.66
Net Debt
191.13
+3133.40%
5.91
-98.48%
390.01
+243.69%
113.48
Net Tangible Assets
734.42
+34.66%
545.37
+16.22%
469.24
+34.15%
349.80
Tangible Book Value
734.42
+34.66%
545.37
+16.22%
469.24
+34.15%
349.80
Available For Sale Securities
306.93
—
—
—
Cash Cash Equivalents And Federal Funds Sold
124.03
+24.86%
99.33
-0.81%
100.14
-13.05%
115.18
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
122.26
-7.05%
131.53
+13.00%
116.40
+19.58%
97.34
Cash Flow From Continuing Operating Activities
122.26
-7.05%
131.53
+13.00%
116.40
+19.58%
97.34
Net Income From Continuing Operations
80.31
-5.81%
85.26
-7.05%
91.73
+36.09%
67.41
Depreciation Amortization Depletion
11.25
+22.86%
9.16
+18.90%
7.70
+11.90%
6.88
Depreciation
6.71
-0.16%
6.72
+28.17%
5.24
+23.10%
4.26
Amortization Cash Flow
4.54
+86.27%
2.44
-0.85%
2.46
-6.28%
2.63
Depreciation And Amortization
11.25
+22.86%
9.16
+18.90%
7.70
+11.90%
6.88
Amortization Of Intangibles
4.54
+86.27%
2.44
-0.85%
2.46
-6.28%
2.63
Other Non Cash Items
0.53
-62.62%
1.43
+933.92%
-0.17
-206.88%
0.16
Stock Based Compensation
5.55
+41.80%
3.91
+8.63%
3.60
+21.72%
2.96
Asset Impairment Charge
—
—
0.00
0.00
Deferred Tax
1.59
+216.53%
-1.37
-173.61%
1.86
+91.64%
0.97
Deferred Income Tax
1.59
+216.53%
-1.37
-173.61%
1.86
+91.64%
0.97
Operating Gains Losses
-3.04
-65.58%
-1.84
-189.65%
2.05
+166.17%
-3.10
Gain Loss On Investment Securities
-0.01
0.00
-100.00%
4.15
+339.41%
0.94
Gain Loss On Sale Of PPE
-0.74
-2293.55%
-0.03
+95.02%
-0.62
+69.11%
-2.02
Change In Working Capital
-0.34
-101.71%
19.99
+380.80%
-7.12
-142.81%
16.63
Change In Receivables
13.11
+29.42%
10.13
+187.97%
-11.51
-205.28%
10.93
Changes In Account Receivables
8.78
+112.36%
4.13
+162.28%
-6.64
-495.96%
-1.11
Change In Payables And Accrued Expense
-10.25
-176.00%
13.49
+107.13%
6.51
+1.48%
6.42
Change In Payable
-10.25
-176.00%
13.49
+107.13%
6.51
+1.48%
6.42
Change In Account Payable
-10.25
-176.00%
13.49
+107.13%
6.51
+1.48%
6.42
Change In Other Working Capital
-3.20
+11.66%
-3.62
-70.71%
-2.12
-195.26%
-0.72
Investing Cash Flow
159.82
-50.47%
322.70
+99.75%
161.56
+137.33%
-432.78
Cash Flow From Continuing Investing Activities
159.82
-50.47%
322.70
+99.75%
161.56
+137.33%
-432.78
Net PPE Purchase And Sale
-2.26
+79.08%
-10.79
-37.69%
-7.83
-186.91%
9.01
Purchase Of PPE
-4.50
+58.24%
-10.79
+12.84%
-12.38
-185.69%
-4.33
Sale Of PPE
2.25
0.00
-100.00%
4.54
-65.97%
13.35
Capital Expenditure
-4.50
+58.24%
-10.79
+12.84%
-12.38
-185.69%
-4.33
Net Investment Purchase And Sale
213.93
+386.18%
44.00
-88.37%
378.37
+4021.71%
9.18
Purchase Of Investment
-191.59
+27.84%
-265.50
-1879.25%
-13.41
+95.55%
-301.65
Sale Of Investment
405.52
+31.03%
309.50
-21.00%
391.79
+26.05%
310.83
Net Business Purchase And Sale
10.53
-95.57%
237.44
0.00
+100.00%
-0.15
Purchase Of Business
—
—
0.00
+100.00%
-0.15
Net Other Investing Changes
13.46
-22.38%
17.34
+251.93%
-11.41
-64.84%
-6.92
Financing Cash Flow
-257.39
+43.44%
-455.05
-55.31%
-292.99
+2.82%
-301.50
Cash Flow From Continuing Financing Activities
-257.39
+43.44%
-455.05
-55.31%
-292.99
+2.82%
-301.50
Net Issuance Payments Of Debt
179.50
+146.62%
-385.00
-247.51%
261.00
+226.48%
79.94
Issuance Of Debt
—
—
0.00
0.00
Repayment Of Debt
0.00
0.00
+100.00%
-54.00
-436.99%
-10.06
Long Term Debt Issuance
—
—
0.00
0.00
Long Term Debt Payments
0.00
0.00
+100.00%
-54.00
-436.99%
-10.06
Net Long Term Debt Issuance
0.00
0.00
+100.00%
-54.00
-436.99%
-10.06
Net Short Term Debt Issuance
179.50
+146.62%
-385.00
-222.22%
315.00
+250.00%
90.00
Net Common Stock Issuance
-7.41
-607.25%
-1.05
-73.22%
-0.60
-32.97%
-0.46
Common Stock Payments
-7.41
-607.25%
-1.05
-73.22%
-0.60
-32.97%
-0.46
Common Stock Dividend Paid
-12.24
-30.03%
-9.41
-5.22%
-8.95
-0.78%
-8.88
Cash Dividends Paid
-12.24
-30.03%
-9.41
-5.22%
-8.95
-0.78%
-8.88
Repurchase Of Capital Stock
-7.41
-607.25%
-1.05
-73.22%
-0.60
-32.97%
-0.46
Proceeds From Stock Option Exercised
—
—
—
—
Changes In Cash
24.70
+3126.47%
-0.82
+94.57%
-15.03
+97.64%
-636.93
Beginning Cash Position
99.33
-0.81%
100.14
-13.05%
115.18
-84.69%
752.11
End Cash Position
124.03
+24.86%
99.33
-0.81%
100.14
-13.05%
115.18
Free Cash Flow
117.76
-2.47%
120.75
+16.07%
104.03
+11.84%
93.01
Interest Paid Supplemental Data
60.53
+9.50%
55.27
+43.77%
38.45
+277.13%
10.20
Income Tax Paid Supplemental Data
20.69
-9.88%
22.96
-35.62%
35.66
+217.50%
11.23
Sale Of Business
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SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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