What is Old Second Bancorp, Inc.'s (OSBC) StockRank?

MoatMap's StockRank for Old Second Bancorp, Inc. (OSBC) is 70/100, with a Buy signal. This is a composite score combining Quality (52), Value (38), and Momentum (74) factor ranks across MoatMap's 20,000+ stock universe.

Does Old Second Bancorp, Inc. have an economic moat?

Old Second Bancorp, Inc. (OSBC) has a Quality factor score of 52/100. 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 financial 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 70/100. 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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OSBC

BUY

Old Second Bancorp, Inc. · Financial Services · United States · $1.2B · Avg Vol: $11M/d

StockRank

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P/E (TTM)

14.1x

ROE

10.8%

D/E

0.4x

Dividend %

1.1%

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)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	244.9M	281.0M	279.9M	333.1M	10.8%	324.9M	397.2M	396.1M	9.0%
EPS	1.51	2.05	1.90	1.64	2.8%	1.67	1.73	1.84	5.8%
Shares	44.6M	44.7M	44.9M	52.7M	+18.1%	51.4M	—	—	—
Debt	228.7M	490.2M	105.2M	315.2M	11.3%	324.1M	—	—	—
Equity	461.1M	577.3M	671.0M	896.8M	24.8%	—	—	—	—
Op CF	97.3M	116.4M	131.5M	122.3M	7.9%	141.4M	—	—	—
Inv CF	-432.8M	161.6M	322.7M	159.8M	—	—	—	—	—
Fin CF	-301.5M	-293.0M	-455.1M	-257.4M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+8.1%

SMA 50SMA 200

$24.03

RSI (14)

63.4

52W High

$24.21

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*46.8

ROE

10.8%57.1

GP/Assets

4.7%N/A

Op. Margin

42.5%62.3

FCF/Assets

2.0%N/A

Piotroski

444.0

Int. Cover

—50.0

D/E Ratio

0.35xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.1x44.8

EV/EBITDA

bankN/A

P/FCF

9.0xN/A

P/B

1.4x40.0

P/S

3.7x50.6

Div Yield

1.1%8.9

Momentum

52W High %

99%90.0

RS 6M

6%70.7

SMA 50/200

1.10x75.1

EPS Rev 4W

+0.1%78.5

EPS Rev 12W

+0.1%58.4

EPS Improve

+38%65.5

Q Growth

29%63.2

FUNDAMENTALS

Market Cap

$1.2B

P/E (Forward)

10.3x

Gross Margin

—

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
OSBC	Old Second Bancorp, Inc.(you)	$1.2B	70	BUY
HFWA	Heritage Financial Corporation	$1.2B	67	BUY
WABC	Westamerica Bancorporation	$1.4B	69	BUY
NBN	Northeast Bank	$1.1B	69	BUY
PFBC	Preferred Bank	$1.2B	74	BUY
HBT	HBT Financial, Inc.	$1.2B	74	BUY
AMTB	Amerant Bancorp Inc.	$1.1B	73	BUY
FSBC	Five Star Bancorp	$1.0B	68	BUY
QCRH	QCR Holdings, Inc.	$1.7B	71	BUY
BHRB	Burke & Herbert Financial Services Corp.	$1.4B	75	BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$24.03
Market Cap	$1.2B
P/E (TTM)	14.13
P/E (Forward)	10.27
Price/Book	1.36
Return on Equity	10.8%
Debt/Equity	0.35x
Operating Margin	42.5%
Revenue Growth	19.2%
Dividend Yield	1.1%
Free Cash Flow	$138M