Is Old Second Bancorp, Inc. (OSBC) Overvalued?
We dive into why Old Second Bancorp, Inc. (OSBC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About Old Second Bancorp, Inc.'s Q3 Earnings
Old Second Bancorp, Inc.'s fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (OSBC) missed or beat analyst's expectations.Tudor Pop
Why Old Second Bancorp, Inc.’s (OSBC) Stock Is Down 5.52%
As of Thursday, April 23, Old Second Bancorp, Inc.’s OSBC share price has dipped by 5.52%, which has investors questioning if this is right time to buy.Michael Rose
What You Need to Know About Old Second Bancorp, Inc.'s Q2 Earnings
Old Second Bancorp, Inc.'s fiscal Q2 earnings report was released on Wednesday, April 22. Let's dive in to see if (OSBC) missed or beat analyst's expectations.Jenna Brashear
Why Old Second Bancorp, Inc.’s (OSBC) Stock Is Down 5.22%
As of Friday, January 23, Old Second Bancorp, Inc.’s OSBC share price has dipped by 5.22%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | OSBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,261.7 | $684.6 | 49% |
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| Shares Out (Mil) | 52.1 | 15.8 | 48% |
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| Institutional Ownership | 95.9% | 84.0% | 68% |
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| Float (Mil) | 49.2 | 21.6 | 46% |
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| Beta | 0.71 | 0.45 | 42% |
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| Avg Daily Volume (000s) | 643 | 46 | 62% |
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| Price Change (52-week) |
45.5% | 90.7% | 82% |
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| Growth | OSBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 21.2% | 7.7% | 83% |
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| Net Income (5yr) | 23.6% | 11.1% | 78% |
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| EPS (5yr) | 12.0% | 10.0% | 51 |
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| Dividends (5yr) | 44.3% | 3.6% | 63% |
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| Cash Flow (5yr) | (44.2%) | (17.1%) | 9% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 6 | 6 | 6 | |
| Current EPS | $0.580 | $2.212 | $2.443 | |
| Month Ago EPS | $0.577 | $2.203 | $2.387 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.558 | $2.188 | $2.298 | |
| Year/Year Chg | 7.4% | 36.5% | 60.7% | |
| Financials | OSBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $341 | $188 | 37% |
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| Net Income (TTM) (Mil) | $92 | $54 | 60% |
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| EPS (TTM) | $1.767 | $2.600 | 69% |
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| Operating Cash Flow (TTM) (Mil) | $146 | $33 | 56% |
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| Net Cash Flow (TTM) (Mil) | $2 | $2 | 47% |
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| Long-Term Debt (Q1) (Mil) | $70 | $97 | 42% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OSBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.40 | 1.24 | 39% |
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| P/E | 14.2 | 12.0 | 36% |
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| Dividend Yield | 1.1% | 2.3% | 68% |
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| PEG (5yr hist) | 1.2 | 1.1 | 53% |
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| Ratios | OSBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 27.1% | 29.2% | 85% |
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| ROA | 1.5% | 1.1% | 52% |
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| ROE | 11.4% | 11.3% | 61% |
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| Liabilities to Assets | 86.9% | 89.7% | 81% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 10/13/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
