Old Second Bancorp (OSB) Stock Price & Analysis
OSB Stock Chart & Stats
- Day’s Range
- EUR 20.20 - EUR 20.20
- 52-Week Range
- EUR 14.80 - EUR 22.20
- Previous Close
- EUR 20.13
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.10B
- Enterprise Value
- EUR 1.70B
- Total Cash (Recent Filing)
- EUR 46.70M
- Total Debt (Recent Filing)
- EUR 468.66M
- Price to Earnings (P/E)
- 11.3
- Beta
- 0.73
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- 0.51
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.19%
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Cash Generation
Strong multi-year revenue expansion demonstrates meaningful scale growth, while free cash flow nearly matching net income indicates effective earnings conversion. Together, these trends support internally funded growth, capital returns, and greater resilience over the next several quarters.
Profitability And Net Interest Margin
A 5.27% net interest margin and rising net interest income show that the core banking spread remains highly productive. Continued profitability provides resources to absorb credit costs, invest in operations, and preserve competitive capacity even as funding conditions evolve.
Improving Credit Quality
Broad declines in classified, nonperforming, and criticized loans indicate improving underlying asset quality after prior pressure. If sustained, better credit performance should reduce future loss intensity, support earnings stability, and strengthen confidence in the loan portfolio.
Bears Say
Elevated Loan Losses
Material quarterly charge-offs continue to weigh on earnings and demonstrate that credit risk remains active despite improving portfolio metrics. Concentration in a commercial relationship and recurring powersports losses could require further provisions or capital absorption.
Deposit And Funding Pressure
Lower deposits alongside a higher loan-to-deposit ratio leaves less funding flexibility and increases reliance on competitive pricing to retain balances. This can raise funding costs, constrain loan growth, and make the bank more sensitive to deposit attrition.
Margin And Cost Pressure
Expected margin giveback signals that deposit competition and the funding mix are beginning to offset asset yields. Even modest spread compression can materially affect a bank’s earnings base, particularly when operating expenses and healthcare costs are also rising.
Old Second Bancorp News
OSB FAQ
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Old Second Bancorp Stock Smart Score
Company Description
Old Second Bancorp
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- James L. Eccher
- Employees
- 1,062
- Website
- www.oldsecond.com
- Address
- 37 South River Street, Aurora, IL, 60507, US
Old Second Bancorp (OSB) Earnings & Revenues
OSB Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Management reported strong profitability, an exceptional net interest margin, improving classified and criticized loan metrics, solid operating performance, broad lending pipelines, a new Ducati partnership, continued capital returns, and expectations for deposit growth. These positives were partially offset by elevated charge-offs, ongoing powersports losses, loan prepayments, deposit and funding pressures, expected margin giveback, and higher operating costs.
View all DE:OSB earnings summariesOSB Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 4 | 7 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 7 | 0 | 5 |