Stock AnalizOld Second Bancorp Inc. OSBC
Major Banks · data as of November 13, 2026
Old Second Bancorp Inc. (OSBC) is a financial company listed in the US with a market value of about $1.2B. In the twelve months to September 30, 2026 it had revenue of $383M and net income of $111M, a net margin of 29.1%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (2/5).
Key numbers: a P/E of 11.7, a price to free cash flow of 7.2, 5-year revenue growth of 21% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 57% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $383M | $339M | $285M | $286M | $249M | $136M | $129M | $133M | $122M | $105M | $92M |
| Net income | $111M | $80M | $85M | $92M | $67M | $20M | $28M | $39M | $34M | $15M | $16M |
| Free cash flow | $172M | $118M | $121M | $104M | $93M | $29M | $22M | $48M | $53M | $36M | $25M |
| EPS (diluted) | $2.14 | $1.62 | $1.87 | $2.02 | $1.49 | $0.65 | $0.92 | $1.30 | $1.12 | $0.50 | $0.53 |
| Net margin | 29.1% | 23.7% | 29.9% | 32.1% | 27.0% | 14.7% | 21.5% | 29.8% | 27.8% | 14.4% | 17.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $28.33, 13% above the current price; targets range from $25.00 to $29.00; the consensus rating is “Buy”; expected EPS is $2.17 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Old Second Bancorp’s P/E ratio?
About 11.7, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is Old Second Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 57% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Old Second Bancorp pay a dividend?
Yes. The dividend yield is about 1.27%, and it has paid dividends for 10 years in our data.
Is Old Second Bancorp a good stock to buy?
We do not give buy or sell advice. Old Second Bancorp scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.