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Old Second Bancorp (OSBC)
NASDAQ:OSBC
OSBC Stock Chart & Stats
Day’s Range― - ―
52-Week Range$13.20 - $19.46
Previous CloseN/A
Volume30.68K
Average Volume (3M)225.19K
Market Cap
$751.84M
Enterprise Value$901.76M
Total Cash (Recent Filing)$52.17M
Total Debt (Recent Filing)$20.00M
Price to Earnings (P/E)8.9
Beta0.78
Next Earnings
Apr 16, 2025EPS Estimate
0.44Last Dividend Ex-Date
Jan 31, 2025Dividend Yield1.29%
Share Statistics
EPS (TTM)1.87
Shares Outstanding45,047,150
10 Day Avg. Volume235,507
30 Day Avg. Volume225,195
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)2.74
Price to Cash Flow (P/CF)7.90
P/FCF Ratio5.60
Enterprise Value/Market Cap1.20
Enterprise Value/RevenueN/A
Enterprise Value/Gross Profit3.03
Enterprise Value/Ebitda9.79
Forecast
1Y Price Target
$23.00Price Target Upside37.81% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
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Old Second Bancorp News
PremiumCompany Announcements
Stockholder Litigation Threatens Old Second and Bancorp Financial Merger
PremiumCompany Announcements
Old Second Bancorp’s Earnings Call Reveals Strong Performance Amid Challenges
PremiumCompany Announcements
Old Second Bancorp Reports Mixed Fourth-Quarter Results
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Bulls Say, Bears Say
Bulls Say
Asset QualityOSBC has successfully reduced non-performing assets by nearly 30% and narrowed net charge-offs since peak levels.
Net Interest MarginOSBC's current NIM of 4.63% is over 100bp above small and mid cap peers, so despite greater than previously assumed NIM headwinds, margin at OSBC is still a relative strength.
Profitability MetricsThe bank's conservative credit approach, superior deposit franchise and above peer profitability metrics remain intact.
Bears Say
Asset SensitivityDowngrading shares of OSBC to NEUTRAL, predominantly based on the bank's less favorable asset sensitive balance sheet position.
Credit EnvironmentCredit progress and deposit strength catalysts are likely to be overlooked or minimized should the market's attention turn to 'risk-on' credit names and/or banks with a greater ability to lower deposit costs.
Earnings OutlookLowering earnings outlook for OSBC to reflect added NIM pressure tied to the Fed's more aggressive rate cut path.
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Ownership Overview
4.82% Insiders
15.81% Mutual Funds
21.79% Other Institutional Investors
41.54% Public Companies and
Individual Investors
Risk Analysis
Main Risk Category
Finance & CorporateFinancial and accounting risks. Risks related to the execution of corporate activity and strategy
Website Traffic
Sorry, No Data AvailableThere is no website visitor data available for this stock.
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OSBC FAQ
What was Old Second Bancorp’s price range in the past 12 months?
Old Second Bancorp lowest stock price was $13.20 and its highest was $19.46 in the past 12 months.
What is Old Second Bancorp’s market cap?
Old Second Bancorp’s market cap is $751.84M.
When is Old Second Bancorp’s upcoming earnings report date?
Old Second Bancorp’s upcoming earnings report date is Apr 16, 2025 which is in 17 days.
How were Old Second Bancorp’s earnings last quarter?
Old Second Bancorp released its earnings results on Jan 22, 2025. The company reported $0.42 earnings per share for the quarter, missing the consensus estimate of $0.477 by -$0.057.
Is Old Second Bancorp overvalued?
According to Wall Street analysts Old Second Bancorp’s price is currently Undervalued.
Does Old Second Bancorp pay dividends?
Old Second Bancorp pays a Quarterly dividend of $0.059 which represents an annual dividend yield of 1.29%. See more information on Old Second Bancorp dividends here
What is Old Second Bancorp’s EPS estimate?
Old Second Bancorp’s EPS estimate is 0.44.
How many shares outstanding does Old Second Bancorp have?
Old Second Bancorp has 45,047,150 shares outstanding.
What happened to Old Second Bancorp’s price movement after its last earnings report?
Old Second Bancorp reported an EPS of $0.42 in its last earnings report, missing expectations of $0.477. Following the earnings report the stock price went down -2.417%.
Which hedge fund is a major shareholder of Old Second Bancorp?
Currently, no hedge funds are holding shares in OSBC
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Old Second Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$23.00 (37.81% Upside)
$23.00 (37.81% Upside)
Hedge Fund Trend
Increased
By 2.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $418.4 over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
22.19%
12-Months-Change
Fundamentals
Return on Equity
13.66%
Trailing 12-Months
Asset Growth
-1.29%
Trailing 12-Months
Company Description
Old Second Bancorp
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers 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. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.
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OSBC Earnings Call
Q4 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call reflects a generally strong financial performance with stable net interest margins and significant improvements in loan quality and profitability metrics. However, challenges such as credit loss provisions, loan contractions, and significant charge-offs present notable concerns.Read More>---
OSBC Stock 12 Month Forecast
Average Price Target
$23.00
▲(37.81% Upside)
Technical Analysis
Bank OZK
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Best Analysts Covering OSBC
1 Year
1 Year Success Rate
13/19 ratings generated profit
1 Year Average Return
+18.15%
reiterated a buy rating 2 months ago
Copying Nathan Race's trades and holding each position for 1 Year would result in 68.42% of your transactions generating a profit, with an average return of +18.15% per trade.
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