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

Old Second Bancorp, Inc. (OSBC) has a MoatMap StockRank of 66/100 based on Quality (46/100), Value (32/100), and Momentum (72/100) factor scores. The current signal is BUY. Old Second Bancorp is a regional bank operating in Illinois. While it has a solid local deposit franchise, it lacks a structural moat, pricing power, or any alignment with our core macro themes. It does not meet our criteria for a high-conviction global compounder.

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$21.94
Market Cap$1.1B
P/E (TTM)12.83
P/E (Forward)9.33
Price/Book1.24
Return on Equity10.8%
Gross Margin0.0%
Operating Margin42.5%
Revenue Growth19.2%
Dividend Yield1.3%

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 66/100, with a Buy signal. It is a composite of Quality (46), Value (32), and Momentum (72) factor ranks across MoatMap’s 19,000+ stock universe.
Does Old Second Bancorp, Inc. have an economic moat?
Old Second Bancorp, Inc. (OSBC) has a Quality factor score of 46/100. 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 66/100. 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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