OSBC
Old Second Bancorp Inc
NASDAQ: OSBC · FINANCIAL SERVICES · BANKS - REGIONAL
$20.61
+0.49% today
Updated 2026-04-30
Market cap
$1.07B
P/E ratio
12.20
P/S ratio
3.30x
EPS (TTM)
$1.67
Dividend yield
1.30%
52W range
$15 – $22
Volume
0.4M
WallStSmart proprietary scores
72
out of 100
Grade: B
Buy
Investment rating
7.3
Growth
B+3.5
Quality
D7.5
Profitability
B+5.7
Valuation
C+1/9
Piotroski F-Score
Weak
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$23.40
+13.54%
12-Month target
$24.46
+18.68%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy3 Buy1 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 26.50% — above average
+ Free cash flow $42.63M — positive
+ Revenue growth 19.20% QoQ
+ Debt/equity 0.38x — low leverage
Risks
- Piotroski 1/9 — weak financial health
- Altman Z 0.00 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $255.24M | $321.03M | $336.17M | $396.97M | $324.91M |
| Net income | $67.41M | $91.73M | $85.26M | $80.31M | $25.59M |
| EPS | — | — | — | — | $1.67 |
| Free cash flow | $93.01M | $104.03M | $120.75M | $117.76M | $42.63M |
| Profit margin | 26.41% | 28.57% | 25.36% | 20.23% | 26.50% |
Peer comparison
Smart narrative
Old Second Bancorp Inc trades at $20.61. representing a P/E of 12.20x trailing earnings. Our Smart Value Score of 72/100 indicates the stock is good. The company scores 1/9 on the Piotroski F-Score. TTM revenue stands at $324.91M. with profit margins at 26.50%.
Frequently asked questions
What is Old Second Bancorp Inc's stock price?
Old Second Bancorp Inc (OSBC) trades at $20.61.
Is Old Second Bancorp Inc overvalued?
Smart Value Score 72/100 (Grade B, Buy).
What is the price target of Old Second Bancorp Inc (OSBC)?
The analyst target price is $23.40, representing +13.5% upside from the current price of $20.61.
What is Old Second Bancorp Inc's revenue?
TTM revenue is $324.91M.
Piotroski F-Score?
1/9 — weak financial health.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.30x
ROE10.80%
Beta0.74
50D MA$20.30
200D MA$19.10
Shares out0.05B
Float0.05B
Short ratio—
Avg volume0.4M
Performance
1 week—
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YTD—
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