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    O

    Old Second Bancorp Inc (OSBC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $24.85
    +0.22 (+0.89%)

    Market Cap: $1.25B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +11.35%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.58
    Range$0.55 - $0.61
    6 analysts
    EPS Revisions
    4
    0
    7d
    3
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.57+2.3%
    60d ago$0.58+0.6%
    30d ago$0.58+0.6%
    7d ago$0.58+0.3%
    Current$0.58
    Revenue Consensus
    $85M
    Range$84M - $85M
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.57
    Range$0.53 - $0.62
    6 analysts
    Revenue Consensus
    $88M
    Range$85M - $90M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.57---
    Sep 26EST
    		-$0.58---
    Jun 26
    Reported Jul 22
    		$0.55$0.54+1.85%Beat+10.0%
    Mar 26
    Reported Apr 22
    		$0.49$0.51-3.92%Miss+8.9%
    Dec 25
    Reported Jan 21
    		$0.58$0.54+7.41%Beat+31.8%
    Sep 25
    Reported Oct 22
    		$0.53$0.51+3.92%Beat+3.9%
    Jun 25
    Reported Jul 23
    		$0.50$0.48+4.17%Beat+8.7%
    Mar 25
    Reported Apr 23
    		$0.45$0.45+0.00%Beat-4.3%
    Dec 24
    Reported Jan 22
    		$0.44$0.49-10.20%Miss+4.8%
    Sep 24
    Reported Oct 16
    		$0.51$0.47+8.51%Beat-7.3%
    Jun 24
    Reported Jul 17
    		$0.46$0.47-2.13%Miss-17.9%
    Mar 24
    Reported Apr 17
    		$0.47$0.47+0.00%Beat-9.6%
    Dec 23
    Reported Jan 24
    		$0.42$0.53-20.75%Miss-20.8%
    Sep 23
    Reported Oct 18
    		$0.55$0.53+3.77%Beat+31.0%
    Jun 23
    Reported Jul 19
    		$0.56$0.53+5.66%Beat+133.3%
    Mar 23
    Reported Apr 19
    		$0.52$0.54-3.70%Miss+62.5%
    Dec 22
    Reported Jan 25
    		$0.53$0.49+8.16%Beat+47.2%
    Sep 22
    Reported Oct 26
    		$0.42$0.39+7.69%Beat+40.0%
    Jun 22
    Reported Jul 27
    		$0.24$0.35-31.43%Miss-27.3%
    Mar 22
    Reported Apr 27
    		$0.32$0.24+33.33%Beat-13.5%
    Dec 21
    Reported Jan 26
    		$0.36$0.13+176.92%Beat+20.0%
    Sep 21
    Reported Oct 20
    		$0.30$0.27+11.11%Beat-14.3%
    Jun 21
    Reported Jul 21
    		$0.33$0.31+6.45%Beat+3.1%
    Mar 21
    Reported Apr 21
    		$0.37$0.26+42.31%Beat+362.5%
    Dec 20
    Reported Jan 27
    		$0.30$0.27+11.11%Beat+3.4%
    Sep 20
    Reported Oct 21
    		$0.35$0.23+52.17%Beat+12.9%
    Jun 20
    Reported Jul 22
    		$0.32$0.15+113.33%Beat+3.2%
    Mar 20
    Reported Apr 22
    		$0.08N/A-63.64%Miss-71.4%
    Dec 19
    Reported Mar 6
    		$0.29$0.30-3.33%Miss+0.0%
    Sep 19
    Reported Oct 23
    		$0.31$0.31+0.00%Beat-3.1%
    Jun 19
    Reported Jul 24
    		$0.31$0.31+0.00%Beat+6.9%
    Mar 19
    Reported Apr 24
    		$0.28$0.30-6.67%Miss+3.7%
    Dec 18
    Reported Mar 7
    		$0.29$0.30-3.33%Miss+26.1%
    Sep 18
    Reported Oct 24
    		$0.32$0.30+6.67%Beat+45.5%
    Jun 18
    Reported Jul 25
    		$0.29$0.25+16.00%Beat+61.1%
    Mar 18
    Reported Apr 25
    		$0.27$0.23+17.39%Beat+80.0%
    Dec 17
    Reported Mar 13
    		$0.23$0.21+9.52%Beat+35.3%
    Sep 17
    Reported Nov 7
    		$0.22$0.19+15.79%Beat-
    Jun 17
    Reported Aug 7
    		$0.18$0.18+0.00%Beat-
    Mar 17
    Reported Apr 26
    		$0.15$0.14+7.14%Beat-
    Dec 16
    Reported Mar 13
    		$0.17$0.14+21.43%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.13%
    Forward Annual Dividend$0.28
    Payout Ratio15.41%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+7.72%
    5Y CAGR+44.27%
    OSBC dividend history and ex-dividend datesRun OSBC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.56EV/EBITDA12.51x
    Price/FCF8.89xFCF Yield11.24%
    Profitability
    Profit Margin27.10%Operating Margin44.70%
    ROE11.40%ROIC6.74%
    Financial Health
    Debt/Equity0.52xInterest Coverage1.64x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.77Avg Volume581.59K
    52-Week High$26.0652-Week Low$16.65

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$24.81
    SMA 20$24.78
    SMA 50$25.17
    SMA 200$22.17
    EMA 10$24.78
    EMA 20$24.85
    EMA 50$24.76
    EMA 200$22.52

    MACD

    Line: -0.08Signal: -0.09Hist: 0.01

    ADX

    ADX: 22.1+DI: 20.3-DI: 24.6

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$24.17

    Bollinger Bands

    Upper Band$25.09
    Lower Band$24.46
    %B Position253%(Upper)
    Band Width0.62

    RSI (14-Day)

    Neutral
    49.4

    Momentum Oscillators

    Stoch %K57.9
    Stoch %D57.6
    Williams %R-35.3
    ROC (10d)0.9%
    Momentum0.22
    CCI (20d)31.2
    MFI (14d)49.2

    Volatility Measures

    ATR (14d)$0.48(1.9%)
    StdDev (20d)0.16
    Hist Vol13.0%(Low)

    Volume Flow

    VWAP$24.85
    OBV15.1M
    AD Line-40.4M
    CMF (20d)-0.014

    Volume Metrics

    Avg Vol (20d)590.4K
    Vol Ratio0.9x
    VWMA (20d)$24.80

    Pivot Points

    R3$25.29
    R2$25.04
    R1$24.84
    Pivot Point$24.59
    S1$24.39
    S2$24.14
    S3$23.94

    Advanced Oscillators

    TSI-6.75
    Ultimate Osc50.5
    KST-18.16

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$96.59M$93.77M$95.20M$95.88M$75.13M$73.11M$73.19M$71.16M$70.82M$70.28M$69.96M$72.91M
    Cost of RevenueN/A$26.70M$19.25M$40.95M$13.50M$13.06M$17.20M$17.49M$17.28M$17.05M$20.46M$14.20M
    Gross ProfitN/A$84.46M$95.20M$74.52M$71.14M$69.33M$68.20M$67.70M$65.74M$65.51M$60.63M$68.56M
    Operating Expenses$51.25M$50.21M$52.94M$63.16M$43.42M$44.51M$44.32M$39.31M$37.88M$38.24M$37.03M$37.42M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$34.06M$42.27M$13.07M$29.21M$26.20M$25.37M$29.85M$29.19M$28.54M$24.94M$32.48M
    Interest Income$101.19M$98.35M$102.30M$104.08M$75.24M$73.56M$75.28M$76.07M$73.22M$73.33M$73.70M$74.23M
    Interest Expense$17.86M$17.20M$19.25M$21.30M$11.00M$10.66M$13.70M$15.49M$13.53M$13.55M$12.46M$11.20M
    Income Before Tax$37.84M$34.06M$39.27M$13.07M$29.21M$26.20M$25.37M$29.85M$29.19M$28.54M$24.94M$32.48M
    Income Tax Expense$9.66M$8.48M$10.48M$3.20M$7.39M$6.37M$6.26M$6.90M$7.30M$7.23M$6.71M$8.15M
    Net Income$28.18M$25.59M$28.79M$9.87M$21.82M$19.83M$19.11M$22.95M$21.89M$21.31M$18.23M$24.34M
    EBITDA$40.88M$37.21M$41.41M$15.16M$31.80M$28.92M$27.99M$32.33M$31.76M$31.14M$27.14M$34.56M
    EBIT$37.84M$34.06M$39.27M$13.07M$29.21M$26.20M$25.37M$29.85M$29.19M$28.54M$24.94M$32.48M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Old Second Bancorp (OSBC) Nears Earnings With Bullish Forecasts, Is The Stock Fully Priced?

    Old Second Bancorp (OSBC) is approaching its October 21 earnings release with expectations for increased revenue and profit...

    Yahoo Finance•10/15/26•Somewhat-Bullish

    Raymond James raises target to USD 30.00 for Old Second Bancorp stock

    Raymond James has increased its target price for Old Second Bancorp (OSBC) stock from USD 27.00 to USD 30.00, upgrading its rating from Outperform to Strong Buy. This new target is 20.34 percent above the Nasdaq price...

    ad-hoc-news.de•10/15/26•Bullish

    Revenue Beat Could Be A Game Changer For Old Second Bancorp Stock (OSBC)

    Old Second Bancorp (OSBC) reported strong Q2 revenue of $96.91 million, exceeding analyst expectations by 2% and growing 28.4% year-over-year...

    Simply Wall Street•10/9/26•Bullish

    Congress raises OSBC stake: Old Second Bancorp stock sits 4.49 percent below high

    Congress Asset Management increased its stake in Old Second Bancorp by 21.40% in Q3 2026, acquiring 72,551 additional shares. The stock was trading at EUR 22.10, 0.45% up from its previous close...

    AD HOC NEWS•10/8/26•Neutral

    Congress raises OSBC stake: Old Second Bancorp stock sits 4.49 percent below high

    Congress Asset Management increased its stake in Old Second Bancorp by 21.40 percent in the third quarter of 2026, adding 72,551 shares. Despite this, the stock, trading at EUR 22.10...

    AD HOC NEWS•10/8/26•Somewhat-Bullish

    OSBC Valuation and Fair Value

    P/E
    11.6x
    Forward P/E
    8.6x
    EV/EBITDA
    12.5x
    P/FCF
    8.9x
    PEG
    1.5x
    P/B
    1.4x
    See GNG's fair value

    OSBC Profitability: Margins, ROIC and FCF

    Operating margin
    44.7%
    Net margin
    27.1%
    ROIC
    6.7%
    ROE
    11.4%
    FCF margin
    37.3%
    FCF yield
    11.2%

    OSBC Competitors

    CompanyTicker
    Hbt Financial IncHBT
    Preferred BankPFBC
    ConnectOne Bancorp, Inc.CNOBP
    Neuberger Berman Next Generation Connectivity Fund IncNBXG
    Peoples Bancorp IncPEBO
    Jefferson Capital, Inc. Common StockJCAP
    ProAssurance CorporationPRA
    Trupanion IncTRUP

    Sector: Financial Services

    OSBC Analyst Ratings

    Consensus
    Buy
    Analysts
    6
    Strong Buy
    3
    Buy
    2
    Hold
    1
    Sell
    0
    Strong Sell
    0

    OSBC Bull Case vs Bear Case

    Bull case

    • OSBC converts 37.3% of revenue into free cash flow.
    • OSBC has a 27.1% net profit margin.
    • OSBC grew quarterly revenue 22.7% year over year.

    OSBC Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    1.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.58
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    3 up, 1 down

    OSBC Dividend

    Forward yield
    1.1%
    Payout ratio
    15.4%
    3Y DPS growth
    7.7%
    5Y DPS growth
    44.3%
    Pay months
    Feb, May, Aug, Nov
    OSBC dividend history

    Frequently Asked Questions About OSBC

    What is OSBC's current dividend yield?

    Old Second Bancorp Inc (OSBC) has a forward dividend yield of 1.13%.

    Does OSBC pay dividends?

    Yes, Old Second Bancorp Inc pays dividends with a forward dividend yield of 1.13%.

    What is OSBC's P/E ratio?

    Old Second Bancorp Inc has a price-to-earnings (P/E) ratio of 11.56.

    What is OSBC's market cap?

    Old Second Bancorp Inc (OSBC) has a market capitalization of $1.25B with a current stock price of $24.85.

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