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Company Analysis

Old Second Bancorp, Inc. OSBC

A comprehensive view of key metrics, scores, and financial health for Old Second Bancorp, Inc.

Overview of Old Second Bancorp, Inc.

OSBC NMS
Financial Services Banks - Regional Small Cap
Old Second Bancorp, Inc. (OSBC), is a Small Cap company, in the Banks - Regional industry, last closed at $19.48, about 13.9% overvalued vs fair value, +17.6% 1Y return, ranked 563/1004 in sector.
$19.48
-0.41%
As of March 13, 2026
Previous close • Vol 90d: 27.9%
52-Week Range
Market Cap
$1.03B
Enterprise Value
$1.24B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.oldsecond.com
HQ Aurora, IL
Employees 1,062
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$17
$31
Current: $19.48 -14% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$295.6M
1.9%%
Interest Expense
$62.2M
Net Interest Income
$239.4M
-4.3%%
Total Revenue
$397.0M
41.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.5M
12.3% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Old Second Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
53
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing OSBC's balance between Growth (25.4%), Profitability (35.1%), and Safety (39.5%). Growth 25% Safety 40% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
56
Key Signals
Asset Growth YoY 22.2% 91p Revenue CAGR 3Y 17.5% 46p Rev Growth YoY 41.8% 35p
Strengths
  • Asset Growth Yoy in top 20% of peers (22.2%, 91th percentile)
  • Roe in top 20% of peers (13.7%, 86th percentile)
  • Roa in top 20% of peers (1.5%, 87th percentile)
  • Roa in top 20% of peers (1.5%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

86th percentile vs peers
87
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Old Second Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$16.78
- - -
-13.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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