OSBC
Old Second Bancorp Inc
NASDAQ: OSBC · FINANCIAL SERVICES · BANKS - REGIONAL
$24.41
-0.77% today
Updated 2026-10-28
Market cap
$1.24B
P/E ratio
11.42
P/S ratio
3.49x
EPS (TTM)
$2.14
Dividend yield
1.13%
52W range
$17 – $26
Volume
0.5M
WallStSmart proprietary scores
76
out of 100
Grade: B+
Buy
Investment rating
8.7
Growth
A3.5
Quality
D7.5
Profitability
B+6.3
Valuation
B1/9
Piotroski F-Score
Weak
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →270 stocks currently score above 75
Price targets
Analyst target
$28.33
+16.06%
12-Month target
$24.46
+0.20%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy2 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 31.30% — above average
+ Free cash flow $27.92M — positive
+ Revenue growth 19.20% QoQ
+ Debt/equity 0.46x — 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 | $355.94M |
| Net income | $67.41M | $91.73M | $85.26M | $80.31M | $28.94M |
| EPS | — | — | — | — | $2.14 |
| Free cash flow | $93.01M | $104.03M | $120.75M | $117.76M | $27.92M |
| Profit margin | 26.41% | 28.57% | 25.36% | 20.23% | 31.30% |
Peer comparison
Smart narrative
Old Second Bancorp Inc trades at $24.41. representing a P/E of 11.42x trailing earnings. Our Smart Value Score of 76/100 indicates the stock is good. The company scores 1/9 on the Piotroski F-Score. TTM revenue stands at $355.94M. with profit margins at 31.30%.
Frequently asked questions
What is Old Second Bancorp Inc's stock price?
Old Second Bancorp Inc (OSBC) trades at $24.41, on a P/E of 11.4x and a P/S of 3.5x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Old Second Bancorp Inc overvalued?
Old Second Bancorp Inc carries a Smart Value Score of 76/100 (Grade B+), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Old Second Bancorp Inc (OSBC)?
The 12-month analyst consensus target is $28.33, about 16.1% above the current $24.41. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Old Second Bancorp Inc's revenue?
Old Second Bancorp Inc's trailing twelve-month revenue is $355.94M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.49x
ROE9.63%
Beta0.77
50D MA$25.07
200D MA$22.39
Shares out0.05B
Float0.05B
Short ratio—
Avg volume0.5M
Performance
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