Old Second Bancorp Inc (OSBC)

Price$21.56

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)6.45%

Price vs S&P 500 (4W)1.33%

VGM Score58.24

Market Capitalization$1.11B

P/E Ratio (Annual)13.81x

Indicated Dividend Yield (Annual)1.31%

All Metrics

P/CF (Annual)9.07x

Book Value / Share (Quarterly)$17.29

P/TBV (Annual)1.19x

Indicated Dividend (Annual)$0.28

Revenue Growth (3Y)23.26%

Cash Flow / Share (Quarterly)$2.67

Payout Ratio (TTM)15.37%

Price vs S&P 500 (YTD)2.41%

Net Profit Margin (TTM)33.58%

EPS (TTM)$1.68

10-Day Avg Trading Volume0.33M

EPS Excl Extra (TTM)$1.68

Revenue Growth (5Y)19.86%

EPS (Annual)$1.62

Dividend / Share (Annual)$0.25

ROI (Annual)7.87%

Net Profit Margin (5Y Avg)24.53%

Cash / Share (Quarterly)$1.24

P/E Basic Excl Extra (TTM)12.88x

Revenue Growth QoQ (YoY)27.96%

EPS Growth (5Y)11.93%

P/E Normalized (Annual)13.81x

ROA (Last FY)1.16%

Revenue Growth TTM (YoY)59.28%

EBITD / Share (TTM)$3.50

ROE (5Y Avg)11.23%

Operating Margin (TTM)45.41%

Cash Flow / Share (Annual)$2.24

P/B Ratio1.24x

P/B Ratio (Quarterly)1.17x

Net Income / Employee (Annual)$75,600

ROA (TTM)1.30%

EPS Growth QoQ (YoY)10.68%

EV / EBITDA (TTM)9.89x

EPS Incl Extra (Annual)$1.62

3-Month Avg Trading Volume0.38M

52-Week Price Return31.95%

EV / Free Cash Flow (Annual)10.46x

P/E Incl Extra (TTM)12.88x

Tangible BV / Share (Quarterly)$16.67

P/S Ratio (Annual)2.60x

52-Week High$22.43

EPS Excl Extra (Annual)$1.62

CapEx CAGR (5Y)2.82%

Tangible BV CAGR (5Y)25.09%

26-Week Price Return14.38%

13-Week Price Return9.33%

Total Debt / Equity (Annual)0.14x

Enterprise Value$1.23B

Revenue / Share Growth (5Y)9.49%

Book Value / Share Growth (5Y)10.20%

Revenue / Employee (Annual)$291,546,200,000

Pretax Margin (Annual)36.73%

Cash / Share (Annual)$1.27

3-Month Return Std Dev23.57%

Net Income / Employee (TTM)$81,000

EBITDA CAGR (5Y)20.96%

EBITDA Interim CAGR (5Y)24.28%

ROE (Last FY)8.96%

EPS Basic Excl Extra (Annual)$1.62

P/FCF (TTM)8.05x

EV / Free Cash Flow (TTM)8.95x

Total Debt / Equity (Quarterly)0.14x

EPS Incl Extra (TTM)$1.68

ROI (TTM)8.87%

Dividend Growth Rate (5Y)44.24%

P/S Ratio (TTM)2.24x

Pretax Margin (5Y Avg)32.83%

Revenue / Share (Annual)$5.51

Tangible BV / Share (Annual)$16.40

Forward P/E9.61x

Free OCF CAGR (5Y)39.78%

Price vs S&P 500 (52W)7.58%

P/E Ratio (TTM)12.88x

EPS Growth TTM (YoY)-8.46%

Year-to-Date Return10.56%

5-Day Price Return2.33%

EPS Normalized (Annual)$1.62

ROA (5Y Avg)1.15%

Net Profit Margin (Annual)27.04%

Month-to-Date Return1.13%

Cash Flow / Share (TTM)$2.29

EBITD / Share (Annual)$2.29

EPS Growth (3Y)2.73%

Operating Margin (Annual)36.73%

LT Debt / Equity (Annual)0.11x

P/CF (TTM)7.84x

ROI (5Y Avg)7.84%

P/E Excl Extra (TTM)12.88x

LT Debt / Equity (Quarterly)0.11x

EPS Basic Excl Extra (TTM)$1.68

P/TBV (Quarterly)1.21x

Payout Ratio (Annual)15.24%

P/B Ratio (Annual)1.15x

Dividend / Share (TTM)$0.27

Pretax Margin (TTM)45.41%

Book Value / Share (Annual)$17.03

Price vs S&P 500 (13W)1.08%

Net Margin Growth (5Y)2.95%

Dividend Yield (TTM)1.19%

Beta0.74x

P/FCF (Annual)9.42x

Revenue / Share (TTM)$6.38

ROE (TTM)10.20%

52-Week Low$16.21

vGradeC

gGradeC

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 260.48est. 0.52

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.18

4.17

4.09

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
OSBCOld Second Bancorp Inc	C	C	B	$21.56
BNSBank of Nova Scotia	C	C	B	$80.56
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.54
DBDeutsche Bank Aktiengesellschaft	B	B	F	$31.51
FITBFifth Third Bancorp	D	C	B	$52.01
FITBIFifth Third Bancorp Depositary Shares	D	C	B	$25.73
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	B	$26.02
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	B	$18.36
STTState Street Corporation	C	C	A	$161.75
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	F	$3.36

About

Old Second Bancorp is a community bank holding company providing consumer and commercial banking services to individuals and small-to-medium businesses. The company offers deposit accounts, lending products including mortgages and business loans, and wealth management services. Revenue is generated primarily from interest income, fees, and commissions on banking and financial services.