OSBC
OLD SECOND BANCORP INC
Next earnings Jul 21, 2026 · consensus $0.56 EPS, $96.8M rev
Last earnings -0.7% on 2026-04-22
$23.38
▲ +1.56%$23.38▲ +37.95%
over 1Y
L $16.38EODHDH $23.38
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.6%
1W+5.9%
1M+10.1%
3M+19.9%
YTD+20.9%
1Y+37.9%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 11 analysts
Buy
Mixed signals in the latest filings.
Return on equity 9.0% · latest
The read
Weak on both the fundamentals and the price — little to like at the current level.
OLD SECOND BANCORP INC shows limited reported revenue, and 9.0% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $20.0M | $67.4M | $91.7M | $85.3M | $80.3M |
| Diluted EPS | $0.65 | $1.49 | $2.02 | $1.87 | $1.62 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF10.5
PEG (trailing)—
Earnings yield6.5%
FCF yield9.6%
Quality & risk
ROIC (est.)—
Free cash flow$118M
Total debt—
Net cash$124M
Capital returns
Buyback yield0.6%
Dividend yield (est.)1.0%
Shareholder yield1.6%
Shares Δ YoY+17.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-252026-06-25open ↗8-KPeriod ending 2026-06-052026-06-09open ↗4Period ending 2026-05-222026-05-26open ↗4Period ending 2026-05-212026-05-21open ↗8-KPeriod ending 2026-05-192026-05-20open ↗8-KPeriod ending 2026-05-192026-05-19open ↗4Period ending 2026-05-112026-05-12open ↗4Period ending 2026-05-112026-05-11open ↗4Period ending 2026-05-082026-05-11open ↗10-QPeriod ending 2026-03-312026-05-07open ↗8-KPeriod ending 2026-04-222026-04-22open ↗8-KPeriod ending 2026-04-212026-04-21open ↗
Frequently asked
- Is OLD SECOND BANCORP INC (OSBC) a buy?
- OSBC currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is OSBC's fair value?
- A Modified-Graham model based on OSBC's SEC fundamentals estimates a fair value of about $13.77. It is an estimate from reported earnings, not a price target.
- Is OSBC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, OSBC currently appears overvalued relative to its SEC-grounded earnings power.
- What is OLD SECOND BANCORP INC's quality score?
- OSBC scores 66.6470588235294/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000357173, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 6:55:10 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.