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
Website
Old Second Bank Metrics
BasicAdvanced
$793M
9.62
$1.83
0.82
$0.23
1.36%
Price and volume
Market cap
$793M
Beta
0.82
52-week high
$19.25
52-week low
$14.14
Average daily volume
243K
Dividend rate
$0.23
Financial strength
Profitability
Net profit margin (TTM)
29.67%
Operating margin (TTM)
42.76%
Effective tax rate (TTM)
24.33%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.47%
Return on equity (TTM)
12.51%
Valuation
Price to earnings (TTM)
9.623
Price to revenue (TTM)
2.804
Price to book
1.1
Price to tangible book (TTM)
1.31
Dividend yield (TTM)
1.31%
Forward dividend yield
1.36%
Growth
Revenue change (TTM)
6.55%
Earnings per share change (TTM)
-3.18%
3-year revenue growth (CAGR)
18.62%
3-year earnings per share growth (CAGR)
43.88%
10-year earnings per share growth (CAGR)
18.58%
3-year dividend per share growth (CAGR)
4.77%
Bulls say / Bears say
Old Second Bancorp reported strong Q3 2024 results, with net income of $23 million and a return on assets of 1.63%, indicating robust financial health. (Investing.com)
The company increased its common dividend by 20% in Q3 2024, reflecting confidence in sustained profitability and a commitment to shareholder returns. (Investing.com)
Asset quality metrics improved, with substandard and criticized loans decreasing by over 40% from peak levels, suggesting effective risk management. (Investing.com)
Net interest income decreased by $1.8 million in Q4 2024 compared to the previous quarter, indicating potential challenges in maintaining revenue growth. (Investing.com)
The tax-equivalent net interest margin declined by 4 basis points in Q4 2024, suggesting pressure on profitability due to rising funding costs. (Investing.com)
Non-performing assets remain a concern, with large healthcare-related credits moving into non-accrual status, potentially leading to prolonged resolution processes. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Jul 2025.
Old Second Bank News
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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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Aug4
Old Second Bank
Dividend·Payment
$0.06Per share
FAQs
What’s the current market cap for Old Second Bank stock?
Old Second Bank (OSBC) has a market cap of $793M as of July 31, 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 9.62 as of July 31, 2025.
Does Old Second Bank stock pay dividends?
Yes, the Old Second Bank (OSBC) stock pays dividends to shareholders. As of July 31, 2025, the dividend rate is $0.23 and the yield is 1.36%. Old Second Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Old Second Bank dividend payment date?
The next Old Second Bank (OSBC) dividend payment is scheduled for August 04, 2025.
What is the beta indicator for Old Second Bank?
Old Second Bank (OSBC) has a beta rating of 0.82. 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.