Financhill
Sell
46

OSBC Quote, Financials, Valuation and Earnings

Last price:
$16.70
Seasonality move :
-0.02%
Day range:
$16.55 - $16.85
52-week range:
$13.38 - $19.46
Dividend yield:
1.38%
P/E ratio:
9.13x
P/S ratio:
2.72x
P/B ratio:
1.08x
Volume:
269.7K
Avg. volume:
200.5K
1-year change:
20.4%
Market cap:
$752.4M
Revenue:
$279.9M
EPS (TTM):
$1.83

Analysts' Opinion

  • Consensus Rating
    Old Second Bancorp has received a consensus rating of Buy. The company's average rating is a Buy based on 3 Buy ratings, 1 Hold rating, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $20.50, Old Second Bancorp has an estimated upside of 22.76% from its current price of $16.70.
  • Price Target Downside
    According to analysts, the lowest downside price target is $17.00 representing 100% downside risk from its current price of $16.70.

Fair Value

  • According to the consensus of 4 analysts, Old Second Bancorp has 22.76% upside to fair value with a price target of $20.50 per share.

OSBC vs. S&P 500

  • Over the past 5 trading days, Old Second Bancorp has underperformed the S&P 500 by -1.95% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Old Second Bancorp does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Old Second Bancorp has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Old Second Bancorp reported revenues of $71.7M.

Earnings Growth

  • Old Second Bancorp earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Old Second Bancorp reported earnings per share of $0.43.
Enterprise value:
-219.1M
EV / Invested capital:
-0.28x
Price / LTM sales:
2.72x
EV / EBIT:
-1.34x
EV / Revenue:
-0.78x
PEG ratio (5yr expected):
0.53x
EV / Free cash flow:
-2.36x
Price / Operating cash flow:
8.28x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.48%
Net Income Margin (TTM):
29.65%
Return On Equity:
12.92%
Return On Invested Capital:
9.16%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $261M $279.8M $282.6M $69M $71.7M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $1.74 $1.97 $1.83 $0.47 $0.43
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $1.2B $2.7B $1.8B $1.7B $1.6B
Total Assets $3.2B $6.2B $5.9B $5.6B $5.7B
Current Liabilities $77.3M $33.5M $342.9M $253.5M $38.7M
Total Liabilities $2.9B $5.8B $5.4B $5B $5B
Total Equity $311.1M $466.3M $496.9M $596.2M $694.5M
Total Debt $92.5M $147.5M $444.7M $305.2M $85.3M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $131.9M $128.8M $102M $47.4M $17.8M
Cash From Investing -$299.2M $298.4M $305.5M $93.9M $76.7M
Cash From Financing -$364.4M -$432.1M -$249.5M -$143.3M $62.2M
Free Cash Flow $126.4M $114.6M $92.9M $44.1M $16.2M
OSBC
Sector
Market Cap
$752.4M
$609.8M
Price % of 52-Week High
85.82%
87.1%
Dividend Yield
1.38%
2.05%
Shareholder Yield
12.35%
4.11%
1-Year Price Total Return
20.4%
12.55%
Beta (5-Year)
0.806
0.594
Dividend yield:
1.38%
Annualized payout:
$0.21
Payout ratio:
11.78%
Growth streak:
1 years

Technicals

8-day SMA
Sell
Level $16.91
200-day SMA
Sell
Level $17.09
Bollinger Bands (100)
Sell
Level 15.7 - 18.26
Chaikin Money Flow
Buy
Level 6.3M
20-day SMA
Sell
Level $16.72
Relative Strength Index (RSI14)
Buy
Level 50.54
ADX Line
Buy
Level 11.31
Williams %R
Neutral
Level -56.25
50-day SMA
Buy
Level $16.18
MACD (12, 26)
Buy
Level 0.10
25-day Aroon Oscillator
Buy
Level 48
On Balance Volume
Neutral
Level 13.7M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.7206)
Sell
CA Score (Annual)
Level (-2.1041)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (1.79)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

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.

Stock Forecast FAQ

In the current month, OSBC has received 3 Buy ratings 1 Hold ratings, and 0 Sell ratings. The OSBC average analyst price target in the past 3 months is $20.50.

  • Where Will Old Second Bancorp Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Old Second Bancorp share price will rise to $20.50 per share over the next 12 months.

  • What Do Analysts Say About Old Second Bancorp?

    Analysts are divided on their view about Old Second Bancorp share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Old Second Bancorp is a Sell and believe this share price will drop from its current level to $17.00.

  • What Is Old Second Bancorp's Price Target?

    The price target for Old Second Bancorp over the next 1-year time period is forecast to be $20.50 according to 4 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.

  • Is OSBC A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Old Second Bancorp is a Buy. 3 of 4 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of OSBC?

    You can purchase shares of Old Second Bancorp via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Old Second Bancorp shares.

  • What Is The Old Second Bancorp Share Price Today?

    Old Second Bancorp was last trading at $16.70 per share. This represents the most recent stock quote for Old Second Bancorp. Yesterday, Old Second Bancorp closed at $16.70 per share.

  • How To Buy Old Second Bancorp Stock Online?

    In order to purchase Old Second Bancorp stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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