Financial Services
Old Second Bancorp, Inc.(OSBC)
Live Price
Offline$22.50
+1.26% today
1Y Change
+32.70%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $1.10B
- Revenue Growth
- +18.1%
- EPS Growth
- -13.7%
- Dividend Yield
- 1.3%
Coverage: 250 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Old Second Bancorp, Inc. (OSBC) is a Financial Services stock with a market cap of $1.10B and listed on NASDAQ. The stock last traded around $22.50 and up 32.7% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of +18.1%, EPS growth of -13.7%, a dividend yield of 1.3%. What stands out right now is revenue +18.1%, EPS -13.7%, free cash flow -2.5% with operating margin 27.9% and ROIC 1.3%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 12.7 and price/sales 2.6. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines OSBC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+18.1% vs +3.4% peer median
Operating Margin
Above sector median
+27.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +18.1% and EPS is at -13.7%, with operating margin around 27.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -3.4% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | โ | -6.4% | -3.3% | -1.1% |
2026 Jan 21, 2026 | +9.4% | -1.0% | -9.1% | -5.1% |
2025 Oct 22, 2025 | +105.2% | -0.5% | +2.1% | +0.6% |
Benchmark Edge
OSBC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
OSBC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
OSBC Max Drawdown
-13.21%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for OSBC and SPY.
Company Overview
Old Second Bancorp, Inc.
NASDAQ Global Select
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers 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. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.
- Leadership
- James L. Eccher
- IPO Date
- Nov 16, 1993
- Employees
- 877
- Street Address
- 37 South River Street
- Mailing
- Aurora, IL, 60506-4173
- Region
- Aurora, IL, US
- Reporting Currency
- USD
- Investor Line
- 630 892 0202
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.7
- EV/EBITDA
- 10.9
- Price/Sales
- 2.6
- Price/Book
- 1.2
Growth
- Revenue
- +18.1%
- EPS
- -13.7%
- Free Cash Flow
- -2.5%
Profitability
- Gross Margin
- 76.4%
- Operating Margin
- 27.9%
- Net Margin
- 20.2%
- ROE
- 10.2%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 0.36
- Current Ratio
- 0.22
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.