OSBC
BULLISH
$21.67
Live
Old Second Bancorp, Inc. · NASDAQ
Target $23.6
(+8.9%)
$14.3
52W Range
$22.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 16, 2026
Market cap
$1.14B
P/E
13.29
ROE
10.2%
Profit margin
25.8%
Debt/Equity
N/A
Dividend yield
1.2%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
OSBC presents a compelling value opportunity, trading significantly below its Graham Number ($24.99) and Intrinsic Value ($48.08). The company maintains a stable Piotroski F-Score of 4/9 and demonstrates exceptional growth with YoY revenue and earnings increases exceeding 29%. While the technical trend score is bearish and insider selling is prominent, the fundamental valuation and consistent earnings beat track record suggest strong underlying performance.
Key Strengths
Strong YoY revenue growth of 32.30%
Impressive earnings growth of 29.90% YoY
Attractive valuation with a Forward P/E of 9.40
Consistent earnings performance (3/4 beats in last 4 quarters)
Trading at a discount to the Graham Number ($24.99)
Key Risks
Significant insider selling totaling $2.85M in the last 6 months
Low dividend strength (25/100) and yield (1.20%)
Bearish technical trend score (10/100)
Moderate financial health as indicated by a Piotroski F-Score of 4/9
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$31.5
+45.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
66
Strong
88
85
78
50
30
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, High growth rates, Consistent EPS surprises
Confidence
80%
Value
88/100
Ref P/E, Forward P/E, Graham Number
Positives
- Price $21.67 is below Graham Number $24.99
- Forward P/E of 9.40 is very low compared to sector average
Watchpoints
- Price/Sales of 3.67 is moderate
Future
85/100
Ref Growth rates
Positives
- 32.3% Revenue growth
- 50.6% Q/Q Earnings growth
Watchpoints
- Regional bank growth can be sensitive to interest rate pivots
Past
78/100
Ref Historical trends
Positives
- 1Y price change of +48.8%
- Strong history of earnings beats over 25 quarters
Watchpoints
- Occasional large earnings misses in 2020-2022
Health
50/100
Ref Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
30/100
Ref Yield, Payout
Positives
- Low payout ratio (15.43%) suggests room for growth
Watchpoints
- Low dividend yield of 1.20%
- Low dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$21.67
Analyst Target
$23.6
Upside/Downside
+8.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for OSBC and closest competitors.
Updated 2026-04-15
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
OSBC
Old Second Bancorp, Inc.
Primary
|
+78.5% | +68.3% | +48.8% | +22.4% | +10.5% | +2.3% |
|
AMAL
Amalgamated Financial Corp.
Peer
|
+138.8% | +109.7% | +36.9% | +34.9% | -5.9% | +0.8% |
|
PFBC
Preferred Bank
Peer
|
+63.0% | +105.6% | +23.1% | +13.6% | +6.6% | -0.3% |
|
OCSL
Oaktree Specialty Lending Corporation
Peer
|
+14.5% | -2.8% | +2.2% | +3.6% | +18.5% | +7.5% |
|
HFWA
Heritage Financial Corporation
Peer
|
+16.1% | +53.8% | +35.4% | +22.3% | +8.2% | +4.6% |
OSB
Old Second Bancorp, Inc.
Primary
5Y
+78.5%
3Y
+68.3%
1Y
+48.8%
6M
+22.4%
1M
+10.5%
1W
+2.3%
AMA
Amalgamated Financial Corp.
Peer
5Y
+138.8%
3Y
+109.7%
1Y
+36.9%
6M
+34.9%
1M
-5.9%
1W
+0.8%
PFB
Preferred Bank
Peer
5Y
+63.0%
3Y
+105.6%
1Y
+23.1%
6M
+13.6%
1M
+6.6%
1W
-0.3%
OCS
Oaktree Specialty Lending Corporation
Peer
5Y
+14.5%
3Y
-2.8%
1Y
+2.2%
6M
+3.6%
1M
+18.5%
1W
+7.5%
HFW
Heritage Financial Corporation
Peer
5Y
+16.1%
3Y
+53.8%
1Y
+35.4%
6M
+22.3%
1M
+8.2%
1W
+4.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.29
Forward P/E
9.4
PEG Ratio
N/A
P/B Ratio
1.27
P/S Ratio
3.67
EV/Revenue
4.35
EV/EBITDA
N/A
Market Cap
$1.14B
Profitability
Profit margins and return metrics
Profit Margin
25.8%
Operating Margin
44.8%
Gross Margin
N/A
ROE
10.24%
ROA
1.28%
Growth
Revenue and earnings growth rates
Revenue Growth
+32.3%
Earnings Growth
+29.9%
Q/Q Revenue Growth
+30.48%
Q/Q Earnings Growth
+50.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.44
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
30.8%
Total Assets
$6.9B
Liabilities
$6.0B
Equity
$0.9B
Debt/Equity
6.70x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
98%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-21
$0.58
+8.1% surprise
2025-10-22
$0.53
+4.6% surprise
2025-07-23
$0.5
+4.5% surprise
Financial Services Sector Comparison
Comparing OSBC against 500 companies in the Financial Services sector
(90 bullish, 207 neutral, 203 bearish)
P/E Ratio
13.29
This Stock
vs
45.14
Sector Avg
-70.5%
(Discount)
Return on Equity (ROE)
10.24%
This Stock
vs
-0.0%
Sector Avg
-239077.4%
(Below Avg)
Profit Margin
25.8%
This Stock
vs
48.63%
Sector Avg
-47.0%
(Weaker)
Revenue Growth
32.3%
This Stock
vs
36.71%
Sector Avg
-12.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
OSBC
Old Second Bancorp, Inc.
|
BULLISH | $1.14B | 13.29 | 10.2% | 25.8% | $21.67 | |
|
AMAL
Amalgamated Financial Corp.
|
NEUTRAL | $1.14B | 11.17 | 13.9% | 33.4% | $38.1 | Compare |
|
PFBC
Preferred Bank
|
BULLISH | $1.15B | 9.07 | 17.2% | 47.5% | $94.41 | Compare |
|
OCSL
Oaktree Specialty Lending...
|
BEARISH | $1.12B | 34.51 | 2.2% | 10.6% | $12.77 | Compare |
|
HFWA
Heritage Financial Corporation
|
BULLISH | $1.12B | 13.93 | 7.6% | 27.7% | $27.3 | Compare |
OSBC
Old Second Bancorp, Inc.
BULLISH
Mkt Cap
$1.1B
P/E
13.3
ROE
10.2%
Price
$21.67
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-20 | COLLINS GARY S | Officer and Director | Sale | 22,154 | $429,435 |
| 2026-03-02 | ECCHER JAMES L | Chief Executive Officer | Stock Award | 43,818 | - |
| 2026-03-02 | ADAMS BRADLEY S. | Chief Operating Officer | Stock Award | 15,657 | - |
| 2026-03-02 | PILMER DONALD | Officer | Stock Award | 9,201 | - |
| 2026-03-02 | COLLINS GARY S | Officer and Director | Stock Award | 14,432 | - |
| 2026-03-02 | GARTELMANN RICHARD A JR | Officer | Stock Award | 4,523 | - |
| 2026-02-18 | CAMPBELL DARIN PATRICK | Officer and Director | Sale | 35,000 | $732,900 |
| 2026-02-17 | CAMPBELL DARIN PATRICK | Officer and Director | Stock Award | 10,562 | - |
| 2026-02-13 | CAMPBELL DARIN PATRICK | Officer and Director | Sale | 91 | $1,884 |
| 2026-02-09 | LYONS BILLY J JR. | Director | Stock Award | 23 | $488 |
| 2026-02-05 | GARTELMANN RICHARD A JR | Officer | Sale | 2,000 | $41,950 |
| 2026-01-15 | LADOWICZ JOHN | Director | Sale | 4,762 | $99,756 |
| 2025-12-31 | ADAMS BRADLEY S. | Chief Operating Officer | Stock Award | 39 | - |
| 2025-12-09 | LADOWICZ JOHN | Director | Sale | 12,500 | $250,000 |
| 2025-11-26 | LADOWICZ JOHN | Director | Sale | 13,150 | $249,991 |
COLLINS GARY S
Officer and Director
2026-03-20
22,154 shares
·
$429,435
ECCHER JAMES L
Chief Executive Officer
2026-03-02
43,818 shares
ADAMS BRADLEY S.
Chief Operating Officer
2026-03-02
15,657 shares
PILMER DONALD
Officer
2026-03-02
9,201 shares
COLLINS GARY S
Officer and Director
2026-03-02
14,432 shares
GARTELMANN RICHARD A JR
Officer
2026-03-02
4,523 shares
CAMPBELL DARIN PATRICK
Officer and Director
2026-02-18
35,000 shares
·
$732,900
CAMPBELL DARIN PATRICK
Officer and Director
2026-02-17
10,562 shares
CAMPBELL DARIN PATRICK
Officer and Director
2026-02-13
91 shares
·
$1,884
LYONS BILLY J JR.
Director
2026-02-09
23 shares
·
$488
GARTELMANN RICHARD A JR
Officer
2026-02-05
2,000 shares
·
$41,950
LADOWICZ JOHN
Director
2026-01-15
4,762 shares
·
$99,756
ADAMS BRADLEY S.
Chief Operating Officer
2025-12-31
39 shares
LADOWICZ JOHN
Director
2025-12-09
12,500 shares
·
$250,000
LADOWICZ JOHN
Director
2025-11-26
13,150 shares
·
$249,991
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
5 analysts
DA Davidson
2026-01-23
Neutral
Neutral
Keefe, Bruyette & Woods
2025-10-24
Outperform
Outperform
Past News Coverage
Recent headlines mentioning OSBC from our newsroom.
Newest → oldest
No matching news yet.