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OSBC

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Old Second Bancorp, Inc. · Financial Services · United States · $1.3B · Avg Vol: $10M/d

67
StockRank
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Q
53
V
36
M
74
P/E (TTM)
14.9x
ROE
11.4%
D/E
0.4x
Dividend %
1.1%
Dir. Trades · 180d
+$501.6 · −$4.6M →
Buybacks · 180d
$41.7M →

COMPANY DESCRIPTION

Old Second Bancorp, Inc. is a bank holding company that, through Old Second National Bank, offers a full suite of banking services to individuals and businesses in Illinois. The bank's competitive moat is its established community presence and deep customer relationships, underpinned by a focus on personalized service and local market expertise. It operates as a regional community bank, providing comprehensive financial products with a long operating history.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue244.9M281.0M279.9M333.1M10.8%341.4M380.3M388.4M8.0%
EPS1.512.051.901.642.8%1.731.751.907.6%
Shares44.6M44.7M44.9M52.7M+18.1%50.9M———
Debt228.7M490.2M105.2M315.2M11.3%469.2M———
Equity461.1M577.3M671.0M896.8M24.8%————
Op CF97.3M116.4M131.5M122.3M7.9%145.7M———
Inv CF-432.8M161.6M322.7M159.8M—————
Fin CF-301.5M-293.0M-455.1M-257.4M—————
Loading 1Y...
PRICE (1Y)+0.7%
25.0425.2625.4825.6925.91Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$25.53
RSI (14)
57.3
52W High
$26.06
From 52W High
1.0%

SCORE BREAKDOWN

Quality
53
ROIC (ROA)
1.5%*49.0
ROE
11.4%58.0
GP/Assets
4.9%N/A
Op. Margin
44.7%63.6
FCF/Assets
2.0%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.35xN/A
Current Ratio
bankN/A
Value
36
P/E (TTM)
14.9x39.5
EV/EBITDA
bankN/A
P/FCF
9.3xN/A
P/B
1.5x38.7
P/S
3.8x47.3
Div Yield
1.1%11.1
Momentum
74
52W High %
98%90.3
RS 6M
19%84.0
SMA 50/200
1.15x85.5
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+4.0%79.8
EPS Improve
+38%67.6
Q Growth
29%61.2

FUNDAMENTALS

Market Cap
$1.3B
P/E (Forward)
10.8x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OSBC are excluded.

TickerCompanyMkt CapStockRankSignal
OSBCOld Second Bancorp, Inc.(you)$1.3B67Buy
PFBCPreferred Bank$1.2B66Buy
AMALAmalgamated Financial Corp.$1.5B67Buy
FMBHFirst Mid Bancshares, Inc.$1.3B71Buy
NBNNortheast Bank$1.1B69Buy
CCNECNB Financial Corporation$1.0B68Buy
MBWMMercantile Bank Corporation$1.0B65Buy
DCOMDime Commercial Bancshares, Inc.$1.8B68Buy
FCBCFirst Community Bankshares, Inc.$925M67Buy
CPFCentral Pacific Financial Corp.$974M69Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Old Second Bancorp, Inc. (OSBC): Stock Score Summary

Old Second Bancorp, Inc. (OSBC) has a MoatMap StockRank of 67/100 based on Quality (53/100), Value (36/100), and Momentum (74/100) factor scores. The current signal is BUY.

Old Second Bancorp, Inc. is a bank holding company that, through Old Second National Bank, offers a full suite of banking services to individuals and businesses in Illinois. The bank's competitive moat is its established community presence and deep customer relationships, underpinned by a focus on personalized service and local market expertise. It operates as a regional community bank, providing comprehensive financial products with a long operating history.

Key Financial Metrics

Price$25.53
Market Cap$1.3B
P/E (TTM)14.87
P/E (Forward)10.78
Price/Book1.45
Return on Equity11.4%
Debt/Equity0.35x
Operating Margin44.7%
Revenue Growth22.7%
Dividend Yield1.1%
Free Cash Flow$138M

Old Second Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Old Second Bancorp, Inc.’s (OSBC) StockRank?
MoatMap’s StockRank for Old Second Bancorp, Inc. (OSBC) is 67/100, with a Buy signal. It is a composite of Quality (53), Value (36), and Momentum (74) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Old Second Bancorp, Inc. have an economic moat?
Old Second Bancorp, Inc. (OSBC) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Old Second Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Old Second Bancorp, Inc. (OSBC) is Buy, based on a StockRank of 67/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Old Second Bancorp, Inc. in?
Old Second Bancorp, Inc. (OSBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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