OSBC - Old Second Bancorp Inc Stock Price, Fair Value and News

14.96USD+0.16 (+1.08%)Delayed as of 17 May 2024, 11:53 am ET

Market Summary

USD14.96+0.16

Delayedas of 17 May 2024, 11:53 am

1.08%

OSBC Alerts

1 major insider sales recently.

OSBC Stock Price

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OSBC RSI Chart

OSBC Valuation

Market Cap

663.7M

Price/Earnings (Trailing)

7.42

Price/Sales (Trailing)

2.25

EV/EBITDA

1.51

Price/Free Cashflow

5.79

OSBC Price/Sales (Trailing)

OSBC Profitability

EBT Margin

40.98%

Return on Equity

15%

Return on Assets

1.59%

Free Cashflow Yield

17.26%

OSBC Fundamentals

OSBC Revenue

Revenue (TTM)

295.1M

Rev. Growth (Yr)

4.52%

Rev. Growth (Qtr)

-0.5%

OSBC Earnings

Earnings (TTM)

89.4M

Earnings Growth (Yr)

-9.72%

Earnings Growth (Qtr)

16.94%

Breaking Down OSBC Revenue

52 Week Range

11.7116.47

(Low)(High)

Last 7 days

3.1%

Last 30 days

11.3%

Last 90 days

8.5%

Trailing 12 Months

22.6%

How does OSBC drawdown profile look like?

OSBC Financial Health

OSBC Investor Care

Dividend Yield

1.35%

Dividend/Share (TTM)

0.2

Shares Dilution (1Y)

0.40%

Diluted EPS (TTM)

1.97

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	295.1M	0	0	0
2023	243.3M	269.8M	286.0M	292.0M
2022	123.1M	146.3M	179.5M	216.5M
2021	102.2M	100.6M	100.4M	105.2M
2020	114.1M	110.3M	105.9M	104.2M
2019	113.4M	115.7M	117.0M	115.6M
2018	90.0M	95.5M	101.2M	107.6M
2017	76.4M	80.4M	85.0M	87.5M
2016	68.9M	69.5M	70.2M	73.4M
2015	68.2M	68.7M	68.6M	68.2M
2014	68.3M	68.0M	67.4M	68.0M
2013	73.1M	70.3M	69.7M	69.0M
2012	82.4M	80.2M	77.5M	75.1M
2011	101.4M	96.1M	90.7M	85.4M
2010	0	0	0	106.7M

Get all data in R, Python etc through our Historical Stock Data APIs

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Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of Old Second Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 08, 2024	collins gary s	sold	-298,808	14.2274	-21,002	vice chairman
May 06, 2024	lyons billy j jr.	bought	346	14.44	24.00	-
Apr 23, 2024	collins gary s	sold	-324,430	14.57	-22,267	vice chairman
Apr 23, 2024	collins gary s	sold	-218,250	14.55	-15,000	vice chairman
Apr 22, 2024	collins gary s	sold	-43,440	14.48	-3,000	vice chairman
Mar 20, 2024	collins gary s	acquired	-	-	16,492	vice chairman
Mar 13, 2024	collins gary s	acquired	-	-	15,924	vice chairman
Mar 13, 2024	adams bradley s.	sold (taxes)	-62,965	13.36	-4,713	cfo
Mar 13, 2024	collins gary s	sold (taxes)	-62,324	13.36	-4,665	vice chairman
Mar 13, 2024	eccher james	sold (taxes)	-120,213	13.36	-8,998	chairman and ceo

Which funds bought or sold OSBC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	Atom Investors LP	added	278	903,654	1,282,030	0.16%
May 15, 2024	JANUS HENDERSON GROUP PLC	reduced	-5.86	-104,185	561,235	-%
May 15, 2024	Elizabeth Park Capital Advisors, Ltd.	sold off	-100	-356,973	-	-%
May 15, 2024	Cubist Systematic Strategies, LLC	sold off	-100	-412,202	-	-%
May 15, 2024	AQR CAPITAL MANAGEMENT LLC	added	434	2,807,420	3,547,790	0.01%
May 15, 2024	BANK OF AMERICA CORP /DE/	added	8.96	-34,345	1,436,180	-%
May 15, 2024	QUADRANT CAPITAL GROUP LLC	added	109	7,677	16,401	-%
May 15, 2024	Quarry LP	sold off	-100	-7,504	-	-%
May 15, 2024	ZACKS INVESTMENT MANAGEMENT	added	0.65	-18,927	174,644	-%
May 15, 2024	AMERIPRISE FINANCIAL INC	reduced	-22.27	-102,262	235,022	-%

Are Funds Buying or Selling OSBC?

Are funds buying OSBC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OSBC

No. of Funds

OSBC Alerts

1 major insider sales recently.

Unveiling Old Second Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	5.32%	2,378,028	SC 13G
Feb 08, 2024	fj capital management llc	5.92%	2,647,725	SC 13G/A
Jan 26, 2024	blackrock inc.	7.8%	3,503,897	SC 13G/A
Feb 08, 2023	fj capital management llc	4.96%	2,212,987	SC 13G/A
Jan 31, 2023	blackrock inc.	7.3%	3,269,868	SC 13G
Apr 08, 2022	blackrock inc.	4.9%	2,173,725	SC 13G/A
Feb 11, 2022	fj capital management llc	7.71%	2,212,987	SC 13G/A
Feb 10, 2022	banc funds co llc	1.8%	817,424	SC 13G/A
Feb 01, 2022	blackrock inc.	6.9%	1,994,301	SC 13G/A
Feb 10, 2021	fj capital management llc	3.93%	1,154,120	SC 13G/A

Recent SEC filings of Old Second Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 09, 2024	10-Q	Quarterly Report
May 09, 2024	4	Insider Trading
May 08, 2024	8-K	Current Report
May 07, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 19, 2024	ARS	ARS
Apr 19, 2024	DEF 14A	DEF 14A
Apr 17, 2024	8-K	Current Report
Apr 16, 2024	8-K	Current Report
Apr 01, 2024	8-K	Current Report

Peers (Alternatives to Old Second Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

Old Second Bancorp Inc News

Latest updates

Old Second Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-0.5%	73.00	74.00	74.00	74.00	70.00	68.00	58.00	47.00	43.00	31.00	25.00	24.00	25.00	26.00	25.00	26.00	27.00	28.00	29.00	30.00	29.00
EBITDA Margin	-3.0%	1.27*	1.30*	1.36*	1.40*	1.40*	1.39*	1.24*	1.19*	1.19*	1.21*	1.45*	1.47*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.4%	60.00	61.00	63.00	64.00	64.00	64.00	56.00	45.00	41.00	29.00	23.00	22.00	24.00	24.00	23.00	23.00	23.00	23.00	25.00	25.00	24.00
Income Taxes	7.7%	7.00	7.00	8.00	9.00	8.00	8.00	7.00	4.00	4.00	-2.47	3.00	3.00	4.00	3.00	3.00	3.00	-0.28	3.00	4.00	3.00	2.00
Earnings Before Taxes	14.5%	29.00	25.00	32.00	35.00	32.00	32.00	27.00	17.00	16.00	-11.54	11.00	12.00	16.00	11.00	14.00	12.00	-0.01	12.00	16.00	12.00	11.00
EBT Margin	-3.8%	0.41*	0.43*	0.46*	0.46*	0.44*	0.42*	0.27*	0.22*	0.23*	0.26*	0.51*	0.53*	-	-	-	-	-	-	-	-	-
Net Income	16.9%	21.00	18.00	24.00	26.00	24.00	24.00	20.00	12.00	12.00	-9.07	8.00	9.00	12.00	8.00	10.00	9.00	0.00	10.00	12.00	9.00	8.00
Net Income Margin	-3.5%	0.30*	0.31*	0.34*	0.34*	0.32*	0.31*	0.19*	0.16*	0.16*	0.19*	0.37*	0.39*	-	-	-	-	-	-	-	-	-
Free Cashflow	76.4%	44.00	25.00	77.00	-30.93	33.00	36.00	32.00	26.00	0.00	-20.82	26.00	9.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-1.9%	5,616	5,723	5,758	5,884	5,920	5,888	5,968	6,006	6,224	6,212	3,275	3,251	3,167	3,041	2,975	2,932	2,657	2,636	2,614	2,624	2,624
Cash Equivalents	-2.0%	98.00	100	109	113	103	115	116	281	635	752	519	593	441	330	313	257	73.00	51.00	54.00	58.00	40.00
Net PPE	2.5%	81.00	79.00	76.00	73.00	73.00	72.00	77.00	82.00	86.00	88.00	44.00	45.00	45.00	45.00	45.00	45.00	45.00	44.00	43.00	43.00	42.00
Goodwill	0%	86.00	86.00	86.00	86.00	86.00	86.00	68.00	86.00	86.00	86.00	-	-	-	19.00	-	-	-	-	-	-	-
Liabilities	-2.4%	5,020	5,146	5,226	5,370	5,423	5,427	5,534	5,557	5,757	5,710	2,954	2,935	2,856	2,734	2,679	2,650	2,391	2,358	2,344	2,366	2,380
Shareholder's Equity	3.3%	596	577	533	514	497	461	434	449	466	502	321	316	311	307	296	283	266	278	270	257	243
Retained Earnings	4.9%	412	393	377	355	332	311	289	272	262	252	263	256	248	237	229	219	210	214	204	193	184
Additional Paid-In Capital	0.4%	203	202	202	201	200	202	202	201	203	202	121	121	120	122	122	121	121	121	120	120	119
Shares Outstanding	0.3%	45.00	45.00	45.00	45.00	45.00	45.00	45.00	45.00	44.00	44.00	29.00	29.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	559	-	-	-	564	-	-	-	342	-	-	-	225	-	-	-	375	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	62.6%	47,290	29,080	81,759	-29,442	35,004	37,283	32,961	26,606	494	-19,719	26,271	9,105	15,390	9,232	-4,058	11,791	9,022	15,091	-2,307	27,355	12,498
Share Based Compensation	18.3%	1,058	894	935	842	932	784	707	722	747	322	502	497	114	466	309	585	729	611	664	668	573
Cashflow From Investing	153.5%	93,890	37,041	75,496	91,940	-42,922	73,577	-156,656	-173,163	-176,536	189,919	-103,989	73,597	-26,609	-49,396	29,249	-83,441	-220	-32,382	12,370	24,833	37,391
Cashflow From Financing	-91.0%	-143,231	-75,009	-160,832	-52,910	-4,237	-111,837	-41,486	-206,821	58,648	62,654	4,211	69,113	122,261	56,927	30,460	256,001	13,704	13,886	-14,243	-34,307	-64,788
Dividend Payments	-100.0%	-	2,233	2,235	2,241	2,237	2,227	2,227	2,231	2,192	1,435	1,435	1,449	293	293	296	297	300	299	299	300	297
Buy Backs	-	776	-	-	-	605	8.00	47.00	-	-	28.00	1.00	4,210	6,178	1,119	1,148	1,028	2,627	196	40.00	13.00	417

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OSBC Income Statement

2024-03-31

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income
Loans, including fees	$ 62,673	$ 57,210
Loans held-for-sale	14	12
Securities:
Taxable	8,092	10,735
Tax exempt	1,306	1,337
Dividends from FHLBC and FRBC stock	635	280
Interest bearing deposits with financial institutions	610	585
Total interest and dividend income	73,330	70,159
Interest expense
Savings, NOW, and money market deposits	4,037	1,149
Time deposits	4,041	664
Securities sold under repurchase agreements	86	9
Other short-term borrowings	4,557	2,345
Junior subordinated debentures	280	279
Subordinated debentures	546	546
Senior notes		994
Notes payable and other borrowings		87
Total interest expense	13,547	6,073
Net interest and dividend income	59,783	64,086
Provision for credit losses	3,500	3,501
Net interest and dividend income after provision for credit losses	56,283	60,585
Noninterest income
Mortgage servicing rights mark to market gain (loss)	94	(525)
Net gain on sales of mortgage loans	314	306
Securities gains (losses), net	1	(1,675)
Change in cash surrender value of BOLI	1,172	242
Card related income	2,376	2,244
Other income	1,030	1,489
Total noninterest income	10,501	7,350
Noninterest expense
Salaries and employee benefits	24,312	22,248
Occupancy, furniture and equipment	3,927	3,475
Computer and data processing	2,255	1,774
FDIC insurance	667	584
Net teller & bill paying	521	502
General bank insurance	309	305
Amortization of core deposit intangible	580	624
Advertising expense	192	142
Card related expense	1,277	1,216
Legal fees	226	319
Consulting & management fees	336	790
Other real estate expense, net	46	306
Other expense	3,593	3,637
Total noninterest expense	38,241	35,922
Income before income taxes	28,543	32,013
Provision for income taxes	7,231	8,406
Net income	$ 21,312	$ 23,607
Basic earnings per share	$ 0.48	$ 0.53
Diluted earnings per share	0.47	0.52
Dividends declared per share	$ 0.05	$ 0.05
Wealth management
Noninterest income
Service charges on deposits	$ 2,561	$ 2,270
Service charges on deposits
Noninterest income
Service charges on deposits	2,415	2,424
Secondary mortgage fees
Noninterest income
Service charges on deposits	50	59
Mortgage servicing income
Noninterest income
Service charges on deposits	$ 488	$ 516

OSBC Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 48,841	$ 55,534
Interest earning deposits with financial institutions	49,253	44,611
Cash and cash equivalents	98,094	100,145
Securities available-for-sale, at fair value	1,168,797	1,192,829
Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock	28,518	33,355
Loans held-for-sale	1,072	1,322
Total Loans	3,969,411	4,042,953
Less: allowance for credit losses on loans	44,113	44,264
Net loans	3,925,298	3,998,689
Premises and equipment, net	81,290	79,310
Other real estate owned	5,123	5,123
Mortgage servicing rights, at fair value	10,564	10,344
Goodwill	86,478	86,478
Core deposit intangible	10,637	11,217
Bank-owned life insurance ("BOLI")	110,490	109,318
Deferred tax assets, net	31,699	31,077
Other assets	58,012	63,592
Total assets	5,616,072	5,722,799
Deposits:
Noninterest bearing demand	1,799,927	1,834,891
Interest bearing:
Savings, NOW, and money market	2,221,696	2,207,949
Time	586,652	527,906
Total deposits	4,608,275	4,570,746
Securities sold under repurchase agreements	33,546	26,470
Other short-term borrowings	220,000	405,000
Junior subordinated debentures	25,773	25,773
Subordinated debentures	59,403	59,382
Other liabilities	72,916	58,147
Total liabilities	5,019,913	5,145,518
Stockholders' Equity
Common stock	44,908	44,705
Additional paid-in capital	203,129	202,223
Retained earnings	412,388	393,311
Accumulated other comprehensive loss	(63,361)	(62,781)
Treasury stock	(905)	(177)
Total stockholders' equity	596,159	577,281
Total liabilities and stockholders' equity	$ 5,616,072	$ 5,722,799

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. It offers demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificates of deposit accounts. The company also provides 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. In addition, it offers 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. Further, 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. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.

CEO	Mr. James L. Eccher
WEBSITE	oldsecond.com
INDUSTRY	Banks Diversified
EMPLOYEES	819

Old Second Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Old Second Bancorp Inc? What does OSBC stand for in stocks?

OSBC is the stock ticker symbol of Old Second Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Old Second Bancorp Inc (OSBC)?

As of Thu May 16 2024, market cap of Old Second Bancorp Inc is 663.72 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OSBC stock?

You can check OSBC's fair value in chart for subscribers.

What is the fair value of OSBC stock?

You can check OSBC's fair value in chart for subscribers. The fair value of Old Second Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Old Second Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OSBC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Old Second Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether OSBC is over valued or under valued. Whether Old Second Bancorp Inc is cheap or expensive depends on the assumptions which impact Old Second Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OSBC.

What is Old Second Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, OSBC's PE ratio (Price to Earnings) is 7.42 and Price to Sales (PS) ratio is 2.25. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OSBC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Old Second Bancorp Inc's stock?

In the past 10 years, Old Second Bancorp Inc has provided 0.126 (multiply by 100 for percentage) rate of return.