Old Second Bank/$OSBC
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About Old Second Bank
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The Company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
Ticker
$OSBC
Sector
Primary listing
Industry
Banks
Headquarters
Employees
877
ISIN
US6802771005
Website
Old Second Bank Metrics
BasicAdvanced
$852M
10.33
$1.83
0.81
$0.23
1.27%
Price and volume
Market cap
$852M
Beta
0.81
52-week high
$18.98
52-week low
$14.14
Average daily volume
209K
Dividend rate
$0.23
Financial strength
Dividend payout ratio (TTM)
11.78%
Profitability
Net profit margin (TTM)
30.39%
Operating margin (TTM)
43.22%
Effective tax rate (TTM)
24.26%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
1.48%
Return on equity (TTM)
12.98%
Valuation
Price to earnings (TTM)
10.328
Price to revenue (TTM)
3.076
Price to book
1.23
Price to tangible book (TTM)
1.47
Price to free cash flow (TTM)
9.129
Free cash flow yield (TTM)
10.95%
Free cash flow per share (TTM)
207.03%
Dividend yield (TTM)
1.22%
Forward dividend yield
1.27%
Growth
Revenue change (TTM)
2.88%
Earnings per share change (TTM)
-7.11%
3-year revenue growth (CAGR)
22.91%
3-year earnings per share growth (CAGR)
46.18%
10-year earnings per share growth (CAGR)
14.54%
3-year dividend per share growth (CAGR)
3.23%
Bulls say / Bears say
Old Second Bancorp's net interest margin expanded by 20 basis points quarter over quarter to 4.88% in Q1 2025, surpassing the consensus estimate of 4.61%, indicating improved profitability. (investing.com)
The bank's tangible common equity capital increased by 130 basis points year-over-year to 10.3%, reflecting a stronger capital position. (investing.com)
Old Second Bancorp reported positive deposit flows, up 7% on an annualized basis, enhancing its liquidity and funding capabilities. (investing.com)
Stephens research firm reduced its price target for Old Second Bancorp to $20.00 from $22.00, indicating potential concerns about future performance. (investing.com)
The bank's stock has experienced a 12% decline year-to-date, which may reflect investor apprehension about its growth prospects. (investing.com)
Old Second Bancorp has faced elevated credit losses in recent quarters, though criticized loans have declined by approximately 62% since their peak in Q1 2023. (investing.com)
Data summarised monthly by Lightyear AI. Last updated on 8 Jun 2025.
Old Second Bank News
AllArticlesVideos
Old Second Completes Merger with Bancorp Financial
Accesswire·3 days ago
Old Second Bancorp, Inc. Reports First Quarter 2025 Net Income of $19.8 Million, or $0.43 per Diluted Share
Accesswire·2 months ago
O2 Sponsor Finance provides Senior Secured Credit Facilities to Support RF Investment Partners in the recapitalization of Valley Vital Care
Accesswire·3 months ago
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Old Second Bank stock?
Old Second Bank (OSBC) has a market cap of $852M as of July 04, 2025.
What is the P/E ratio for Old Second Bank stock?
The price to earnings (P/E) ratio for Old Second Bank (OSBC) stock is 10.33 as of July 04, 2025.
Does Old Second Bank stock pay dividends?
Yes, the Old Second Bank (OSBC) stock pays dividends to shareholders. As of July 04, 2025, the dividend rate is $0.23 and the yield is 1.27%. Old Second Bank has a payout ratio of 11.78% on a trailing twelve-month basis.
When is the next Old Second Bank dividend payment date?
The next Old Second Bank (OSBC) dividend payment date is unconfirmed.
What is the beta indicator for Old Second Bank?
Old Second Bank (OSBC) has a beta rating of 0.81. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.