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StockVS

NASDAQ · Banks - Regional · USD

Old Second Bancorp, Inc. (OSBC) Stock Analysis

Old Second Bancorp, Inc. (OSBC) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

OSBC

$24.87

−$0.23 (−0.92%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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OSBC Key Statistics

As of Oct 21, 2026
Trading
Open
$25.14
Previous Close
$25.10
Day's Range
24.69–25.24
52-Week Range
17.11–26.06
Volume
432.79K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.77
Valuation
Market Cap
$1.27B
P/E Ratio
14.13
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
10.18
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
1.51
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.71
EPS (ttm)Profit attributable to each share over the last twelve months.
1.76
Financials (FY)
Revenue (FY)
$333.10M+19.01%
Net Income (FY)
$80.31M−5.81%
Profit marginThe share of revenue left as profit after all costs and taxes.
27.07%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
50.88M
1-Year Return
+39.43%
Dividend and dates
Dividend
$0.28+1.12%
Ex-Dividend Date
July 31, 2026
Earnings Date
October 21, 2026
Avg Volume
486.11K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, OSBC closed at $24.87, +39.43% over 1 year.

Old Second Bancorp, Inc. (OSBC) has a market capitalization of $1.27B.

In fiscal 2025, OSBC reported revenue of $333.10M.

OSBC Stock Return by Calendar Year

Old Second Bancorp, Inc. (OSBC) 10-year return: what $10,000 became

1 year
$10,000 $13,943
+39.43%
5 years
$10,000 $19,791
+97.91%
10 years
$10,000 $34,772
+247.72%

If you had invested $10,000 in Old Second Bancorp, Inc. (OSBC) 10 years ago, at the close on October 21, 2016, it would have been worth $34,772 at the close on October 21, 2026: +247.72% in total, +13.27% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+28.78%
2025+11.25%
2024+16.69%
2023−2.37%
2022+29.23%
2021+26.26%
2020−24.70%
2019+3.93%
2018−4.50%
2017+23.95%
2016 (partial year)+47.52%

As of October 21, 2026.

OSBC Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$333.10M$80.31M24.1%
2024$279.90M$85.26M30.5%
2023$280.99M$91.73M32.6%
2022$244.92M$67.41M27.5%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$333.10M——$80.31M24.1%
2024$279.90M——$85.26M30.5%
2023$280.99M——$91.73M32.6%
2022$244.92M——$67.41M27.5%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

OSBC Dividend History

$0.25+19.0% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.213—
2025$0.254+19.0%
2024$0.214+5.0%
2023$0.204+0.0%
YearDividends per sharePaymentsChange
2026 (partial year)$0.213—
2025$0.254+19.0%
2024$0.214+5.0%
2023$0.204+0.0%
2022$0.204+25.0%
2021$0.164+300.0%
2020$0.044+0.0%
2019$0.044+0.0%
2018$0.044+0.0%
2017$0.044+300.0%
2016$0.011—

Most recent payment: $0.07 per share, ex-dividend July 31, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

OSBC Valuation vs Banks - Regional Median

Median of 326 stocks
MetricOSBCBanks - Regional medianvs median
P/E14.1312.0317% above
P/S ratio3.713.584% above
Profit margin27.07%29.44%2.4 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 10 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Old Second Bancorp, Inc. (OSBC) at $1.27B. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 1,062 employees.

The most recent close on file for OSBC is $24.87, dated October 21, 2026. That is −$0.23 (−0.92%) against the previous close. Over the past 52 weeks the price has ranged from $17.11 to $26.06. The latest close sits 45.35% above that 52-week low.

Financial Health

In fiscal 2025, Old Second Bancorp, Inc. reported revenue of $333.10M. That is +19.01% against the prior fiscal year, when revenue was $279.90M. Net income for the same year was $80.31M. That is −5.81% against the prior fiscal year. The reported profit margin is 27.07%. That is 2.4 percentage points below the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 1.76.

Across the 4 fiscal years on file, revenue moves from $244.92M in 2022 to $333.10M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 14.13 times earnings. That is 17.46% above the Banks - Regional median of 12.03. The forward P/E on file is 10.18. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.51. Measured against sales, the shares trade at 3.71 times revenue. On price-to-sales that is 3.58% above the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.77. Annualized volatility over the trailing 10 years is 34.68%. The trailing one-year total return is +39.43%. Measured over 10 years, that is +13.27% a year compounded.

Growth & Income

Shareholders receive a dividend, yielding 1.12% on the latest price. That is 1.6 percentage points below the Banks - Regional median yield of 2.68%. At the indicated rate that is $0.28 a share a year. The ex-dividend date on file is July 31, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.21 a share. The year before, 2025, totalled $0.25 a share.

The strongest complete calendar year on file is 2022 at +29.23%; the weakest is 2020 at −24.70%. Of the 9 complete calendar years on file, 6 finished higher. 2026 is still running; the total return is +28.78% year to date.

Peer Comparison

Old Second Bancorp, Inc. (OSBC) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Old Second Bancorp, Inc. OSBC $1.27B 14.1
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Old Second Bancorp, Inc. trades at a P/E of 14.1.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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 IBN

ICICI Bank Limited

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 USB

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About Old Second Bancorp, Inc.

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.

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