Old Second Bancorp Stock Analysis

OSBC Stock  USD 18.65  0.04  0.21%   
Old Second Bancorp is undervalued with Real Value of 20.84 and Target Price of 20.5. The main objective of Old Second stock analysis is to determine its intrinsic value, which is an estimate of what Old Second Bancorp is worth, separate from its market price. There are two main types of Old Second's stock analysis: fundamental analysis and technical analysis.
The Old Second stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Old Second's ongoing operational relationships across important fundamental and technical indicators.
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Old Second Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

Old Stock Analysis Notes

About 76.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.21. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Old Second Bancorp has Price/Earnings To Growth (PEG) ratio of 2.6. The entity last dividend was issued on the 25th of April 2025. The firm had 2:1 split on the 29th of July 2004. Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois. Old Second operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 891 people. To find out more about Old Second Bancorp contact James Eccher at 630 892 0202 or learn more at https://www.oldsecond.com.

Old Second Quarterly Total Revenue

82.39 Million

Old Second Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Old Second's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Old Second Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Over 76.0% of the company shares are owned by institutional investors
Latest headline from seekingalpha.com: Old Second Bancorp declares 0.06 dividend

Old Second Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Old Second previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
17th of April 2024
Upcoming Quarterly Report
View
17th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
22nd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Old Largest EPS Surprises

Earnings surprises can significantly impact Old Second's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2015-01-21
2014-12-310.050.060.0120 
2014-04-23
2014-03-310.050.04-0.0120 
2017-01-25
2016-12-310.150.170.0213 
View All Earnings Estimates

Old Second Environmental, Social, and Governance (ESG) Scores

Old Second's ESG score is a quantitative measure that evaluates Old Second's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Old Second's operations that may have significant financial implications and affect Old Second's stock price as well as guide investors towards more socially responsible investments.

Old Stock Institutional Investors

Shares
Jpmorgan Chase & Co2025-03-31
951.9 K
Alliancebernstein L.p.2025-03-31
741.8 K
Stieven Capital Advisors, L.p.2025-03-31
716.2 K
Aqr Capital Management Llc2025-03-31
540.9 K
Kennedy Capital Management Inc2025-03-31
515.7 K
Bridgeway Capital Management, Llc2025-03-31
474.3 K
Northern Trust Corp2025-03-31
418.2 K
Jacobs Asset Management, Llc2025-03-31
403.4 K
Morgan Stanley - Brokerage Accounts2025-03-31
362.6 K
Blackrock Inc2025-03-31
3.6 M
Vanguard Group Inc2025-03-31
2.7 M
Note, although Old Second's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Old Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 840.3 M.

Old Profitablity

The company has Profit Margin (PM) of 0.3 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.42 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.42.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.01 
Return On Capital Employed 0.14  0.10 
Return On Assets 0.02  0.01 
Return On Equity 0.13  0.07 

Management Efficiency

Old Second Bancorp has return on total asset (ROA) of 0.0148 % which means that it generated a profit of $0.0148 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1298 %, meaning that it created $0.1298 on every $100 dollars invested by stockholders. Old Second's management efficiency ratios could be used to measure how well Old Second manages its routine affairs as well as how well it operates its assets and liabilities. As of July 20, 2025, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.10. At present, Old Second's Non Currrent Assets Other are projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 4.4 B, whereas Non Current Assets Total are forecasted to decline to about 2 B.
Last ReportedProjected for Next Year
Book Value Per Share 14.97  15.72 
Tangible Book Value Per Share 12.17  6.30 
Enterprise Value Over EBITDA 6.88  5.84 
Price Book Value Ratio 1.19  1.62 
Enterprise Value Multiple 6.88  5.84 
Price Fair Value 1.19  1.62 
Old Second's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield
0.0135
Operating Margin
0.4206
Profit Margin
0.3039
Forward Dividend Yield
0.0135
Beta
0.809

Technical Drivers

As of the 20th of July, Old Second holds the Semi Deviation of 0.8562, coefficient of variation of 373.45, and Risk Adjusted Performance of 0.2537. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Old Second, as well as the relationship between them.

Old Second Bancorp Price Movement Analysis

The output start index for this execution was eleven with a total number of output elements of fifty. The Simple Moving Average indicator is calculated by adding the closing price of Old Second for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Old Second Bancorp short-term fluctuations and highlight longer-term trends or cycles.

Old Second Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Old Second insiders, such as employees or executives, is commonly permitted as long as it does not rely on Old Second's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Old Second insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Old Second Outstanding Bonds

Old Second issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Old Second Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Old bonds can be classified according to their maturity, which is the date when Old Second Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Old Second Predictive Daily Indicators

Old Second intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Old Second stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Old Second Corporate Filings

8K
15th of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
8th of July 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
7th of July 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
2nd of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
1st of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
30th of June 2025
Other Reports
ViewVerify
8K
18th of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
3rd of June 2025
An amendment to a previously filed Form 8-K
ViewVerify

Old Second Forecast Models

Old Second's time-series forecasting models are one of many Old Second's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Old Second's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Old Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Old Second prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Old shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Old Second. By using and applying Old Stock analysis, traders can create a robust methodology for identifying Old entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.34  0.35 
Operating Profit Margin 0.34  0.35 
Net Profit Margin 0.25  0.27 
Gross Profit Margin 0.79  0.57 

Current Old Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Old analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Old analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
20.5Strong Buy6Odds
Old Second Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Old analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Old stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Old Second Bancorp, talking to its executives and customers, or listening to Old conference calls.
Old Analyst Advice Details

Old Stock Analysis Indicators

Old Second Bancorp stock analysis indicators help investors evaluate how Old Second stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Old Second shares will generate the highest return on investment. By understating and applying Old Second stock analysis, traders can identify Old Second position entry and exit signals to maximize returns.
Begin Period Cash Flow100.1 M
Total Stockholder Equity671 M
Property Plant And Equipment Net87.3 M
Cash And Short Term Investments1.3 B
Cash99.3 M
50 Day M A17.376
Net Interest Income239.4 M
Total Current Liabilities4.8 B
Forward Price Earnings8.5985
Investments322.7 M
Interest Expense56.3 M
Stock Based Compensation3.9 M
Long Term Debt85.2 M
Common Stock Shares Outstanding45.6 M
Total Cashflows From Investing Activities322.7 M
Tax Provision27.7 M
Quarterly Earnings Growth Y O Y-0.085
Free Cash Flow120.7 M
Net Debt42.6 M
Other Operating Expenses223.2 M
Non Current Assets Total3.9 B
Liabilities And Stockholders Equity5.6 B
Non Currrent Assets Other209.5 M

Complementary Tools for Old Stock analysis

When running Old Second's price analysis, check to measure Old Second's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Old Second is operating at the current time. Most of Old Second's value examination focuses on studying past and present price action to predict the probability of Old Second's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Old Second's price. Additionally, you may evaluate how the addition of Old Second to your portfolios can decrease your overall portfolio volatility.
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