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OSBC

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

13.85USD+0.07 (+0.51%)Delayed as of 28 Mar 2024, 10:56 am ET

Market Summary

OSBC
USD13.85+0.07
Delayedas of 28 Mar 2024, 10:56 am
0.51%

OSBC Stock Price

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OSBC RSI Chart

OSBC Valuation

Market Cap

617.4M

Price/Earnings (Trailing)

6.73

Price/Sales (Trailing)

2.11

EV/EBITDA

1.35

Price/Free Cashflow

5.93

OSBC Price/Sales (Trailing)

OSBC Profitability

EBT Margin

42.61%

Return on Equity

15.89%

Return on Assets

1.6%

Free Cashflow Yield

16.85%

OSBC Fundamentals

OSBC Revenue

Revenue (TTM)

292.0M

Rev. Growth (Yr)

8.78%

Rev. Growth (Qtr)

-0.72%

OSBC Earnings

Earnings (TTM)

91.7M

Earnings Growth (Yr)

-22.82%

Earnings Growth (Qtr)

-25.11%

Breaking Down OSBC Revenue

52 Week Range

10.7916.47
(Low)(High)

Last 7 days

2.9%

Last 30 days

-0.6%

Last 90 days

-14.5%

Trailing 12 Months

-11.6%

How does OSBC drawdown profile look like?

OSBC Financial Health

OSBC Investor Care

Dividend Yield

1.45%

Dividend/Share (TTM)

0.2

Shares Dilution (1Y)

0.30%

Diluted EPS (TTM)

2.02

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2023243.3M269.8M286.0M292.0M
2022123.1M146.3M179.5M216.5M
2021102.2M100.6M100.4M105.2M
2020114.1M110.3M105.9M104.2M
2019113.4M115.7M117.0M115.6M
201890.0M95.5M101.2M107.6M
201776.4M80.4M85.0M87.5M
201668.9M69.5M70.2M73.4M
201568.2M68.7M68.6M68.2M
201468.3M68.0M67.4M68.0M
201373.1M70.3M69.7M69.0M
201282.4M80.2M77.5M75.1M
2011101.4M96.1M90.7M85.4M
2010000106.7M

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

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Mar 20, 2024
collins gary s
acquired
-
-
16,492
vice chairman
Mar 13, 2024
adams bradley s.
sold (taxes)
-62,965
13.36
-4,713
cfo
Mar 13, 2024
eccher james
sold (taxes)
-120,213
13.36
-8,998
chairman and ceo
Mar 13, 2024
collins gary s
sold (taxes)
-62,324
13.36
-4,665
vice chairman
Mar 13, 2024
collins gary s
acquired
-
-
15,924
vice chairman
Mar 13, 2024
eccher james
acquired
-
-
30,714
chairman and ceo
Mar 13, 2024
adams bradley s.
acquired
-
-
16,089
cfo
Feb 20, 2024
kotche keith
acquired
-
-
4,284
-
Feb 20, 2024
temple rocks patti
acquired
-
-
4,284
-
Feb 20, 2024
gartelmann richard a jr
acquired
-
-
7,150
evp

1–10 of 50

Which funds bought or sold OSBC recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 26, 2024
HighPoint Advisor Group LLC
new
-
173,000
173,000
0.01%
Mar 22, 2024
PNC FINANCIAL SERVICES GROUP, INC.
unchanged
-
452
3,814
-%
Mar 11, 2024
VANGUARD GROUP INC
added
5.19
5,950,030
36,716,800
-%
Mar 05, 2024
Fisher Asset Management, LLC
unchanged
-
213,825
1,804,070
-%
Mar 01, 2024
GOLDMAN SACHS GROUP INC
added
80.09
4,481,880
8,778,970
-%
Feb 28, 2024
AMERICAN INTERNATIONAL GROUP, INC.
reduced
-0.41
38,297
333,226
-%
Feb 23, 2024
MENDON CAPITAL ADVISORS CORP
new
-
3,088,000
3,088,000
1.28%
Feb 20, 2024
Quarry LP
new
-
7,504
7,504
-%
Feb 16, 2024
PRICE T ROWE ASSOCIATES INC /MD/
added
5.03
39,000
245,000
-%
Feb 16, 2024
PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO
reduced
-79.47
-84,478
25,522
-%

1–10 of 49

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

Unveiling Old Second Bancorp Inc's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm 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
Mar 26, 2024
8-K
Current Report
Mar 21, 2024
4
Insider Trading
Mar 18, 2024
4/A
Insider Trading
Mar 15, 2024
4
Insider Trading
Mar 15, 2024
4
Insider Trading
Mar 15, 2024
4
Insider Trading
Mar 07, 2024
10-K
Annual Report
Feb 22, 2024
4
Insider Trading
Feb 22, 2024
4
Insider Trading
Feb 22, 2024
4
Insider Trading

What is the Fair Value of OSBC?

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

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>

Cheap
or
Expensive?


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

Peers (Alternatives to Old Second Bancorp Inc)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
574.7B
171.1B
9.83% 42.39%
11.6
3.36
60.72% 31.52%
297.7B
130.3B
8.68% 33.18%
11.23
2.29
79.51% -3.68%
206.2B
85.7B
10.06% 39.05%
10.77
2.41
41.49% 39.96%
120.0B
133.3B
10.88% 37.45%
13
0.9
79.09% -
16.4B
10.2B
11.38% -2.76%
10.23
1.61
44.53% -22.43%
14.6B
7.9B
6.82% 30.36%
15.11
1.84
46.47% -49.56%
MID-CAP
7.2B
4.2B
2.60% 18.49%
8.16
1.72
56.25% -23.46%
6.4B
3.9B
0.02% 35.77%
9.4
1.62
45.91% -25.03%
3.3B
1.3B
-0.91% 7.40%
12.35
2.6
43.24% -22.35%
3.2B
2.0B
-1.30% -0.93%
17.55
1.64
70.97% -50.03%
SMALL-CAP
509.4M
120.2M
2.72% 45.71%
19.47
4.24
25.23% -24.02%
428.7M
164.9M
-6.65% 19.35%
36.65
2.6
42.66% -70.76%
411.8M
162.6M
-0.86% -7.25%
13.69
2.53
25.39% -38.37%
313.8M
96.6M
-6.16% 2.24%
9.9
3.25
11.02% -11.37%
46.8M
60.9M
-6.19% -32.56%
-13.99
0.77
24.06% -144.92%

Old Second Bancorp Inc News

Latest updates
Defense World • 29 hours ago
Quartz • 2 months ago

Old Second Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue-0.7%74.0074.0074.0070.0068.0058.0047.0043.0031.0025.0024.0025.0026.0025.0026.0027.0028.0029.0030.0029.0029.00
EBITDA Margin-3.7%1.31*1.36*1.40*1.40*1.39*1.24*1.19*1.19*1.21*1.45*1.47*1.46*---------
Interest Expenses-100.0%-63.0064.0064.0064.0056.0045.0041.0029.0023.0022.0024.0024.0023.0023.0023.0023.0025.0025.0024.0024.00
Income Taxes-17.6%7.008.009.008.008.007.004.004.00-2.473.003.004.003.003.003.00-0.283.004.003.002.003.00
Earnings Before Taxes-23.2%25.0032.0035.0032.0032.0027.0017.0016.00-11.5411.0012.0016.0011.0014.0012.00-0.0112.0016.0012.0011.0012.00
EBT Margin-7.2%0.43*0.46*0.46*0.44*0.42*0.27*0.22*0.23*0.26*0.51*0.53*0.52*---------
Net Income-25.1%18.0024.0026.0024.0024.0020.0012.0012.00-9.078.009.0012.008.0010.009.000.0010.0012.009.008.009.00
Net Income Margin-7.5%0.31*0.34*0.34*0.32*0.31*0.19*0.16*0.16*0.19*0.37*0.39*0.39*---------
Free Cashflow-67.5%25.0077.00-30.9333.0036.0032.0026.000.00-20.8226.009.0015.00---------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets-0.6%5,7235,7585,8845,9205,8885,9686,0066,2246,2123,2753,2513,1673,0412,9752,9322,6572,6362,6142,6242,6242,676
    Cash Equivalents-8.2%10010911310311511628163575251959344133031325773.0051.0054.0058.0040.0055.00
  Net PPE3.7%79.0076.0073.0073.0072.0077.0082.0086.0088.0044.0045.0045.0045.0045.0045.0045.0044.0043.0043.0042.0042.00
  Goodwill0%86.0086.0086.0086.0086.0068.0086.0086.0086.00---19.00--------
Liabilities-1.5%5,1465,2265,3705,4235,4275,5345,5575,7575,7102,9542,9352,8562,7342,6792,6502,3912,3582,3442,3662,3802,447
Shareholder's Equity8.4%577533514497461434449466502321316311307296283266278270257243229
  Retained Earnings4.2%393377355332311289272262252263256248237229219210214204193184175
  Additional Paid-In Capital0.3%202202201200202202201203202121121120122122121121121120120119119
Shares Outstanding0.0%45.0045.0045.0045.0045.0045.0045.0044.0044.0029.0029.0029.00---------
Float-------564---342---225---375--
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations-64.4%29,08081,759-29,44235,00437,28332,96126,606494-19,71926,2719,10515,3909,232-4,05811,7919,02215,091-2,30727,35512,49814,865
  Share Based Compensation-4.4%894935842932784707722747322502497114466309585729611664668573616
Cashflow From Investing-50.9%37,04175,49691,940-42,92273,577-156,656-173,163-176,536189,919-103,98973,597-26,609-49,39629,249-83,441-220-32,38212,37024,83337,391-61,263
Cashflow From Financing53.4%-75,009-160,832-52,910-4,237-111,837-41,486-206,82158,64862,6544,21169,113122,26156,92730,460256,00113,70413,886-14,243-34,307-64,78851,311
  Dividend Payments-0.1%2,2332,2352,2412,2372,2272,2272,2312,1921,4351,4351,449293293296297300299299300297297
  Buy Backs----6058.0047.00--28.001.004,2106,1781,1191,1481,0282,62719640.0013.00417-

OSBC Income Statement

2023-12-31
Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Interest and dividend income   
Loans, including fees$ 244,187$ 176,379$ 90,613
Loans held-for-sale91130165
Securities:   
Taxable37,94031,5668,168
Tax exempt5,3295,2875,107
Dividends from FHLBC and FRBC stock1,920936456
Interest bearing deposits with financial institutions2,5032,175656
Total interest and dividend income291,970216,473105,165
Interest expense   
Savings, NOW, and money market deposits8,7611,900961
Time deposits6,6361,4481,510
Securities sold under repurchase agreements934082
Other short-term borrowings18,774480 
Junior subordinated debentures1,0951,1361,133
Subordinated debentures2,1852,1851,610
Senior notes2,4082,6822,692
Notes payable and other borrowings87446462
Total interest expense40,03910,3178,450
Net interest and dividend income251,931206,15696,715
Provision for credit losses16,5016,5504,326
Net interest and dividend income after provision for credit losses235,430199,60692,389
Noninterest income   
Mortgage servicing rights mark to market (loss) gain(1,425)3,1771,261
Net gain on sales of mortgage loans1,4772,0229,300
Securities (losses) gains, net(4,148)(944)232
Change in cash surrender value of BOLI2,1207181,390
Card related income10,05110,9896,712
Other income4,1965,2432,329
Total noninterest income34,17943,11639,260
Noninterest expense   
Salaries and employee benefits88,56686,57357,691
Occupancy, furniture and equipment14,43714,99213,548
Computer and data processing7,27715,7957,936
FDIC insurance2,7052,401975
Net teller & bill paying2,1153,730874
General bank insurance1,2121,2211,214
Amortization of core deposit intangible2,4612,626644
Advertising expense721589343
Card related expense5,1234,3482,538
Legal fees9278731,096
Consulting & management fees2,4152,4255,005
Other real estate expense, net399130151
Other expense16,84315,47011,767
Total noninterest expense145,201151,173103,782
Income before income taxes124,40891,54927,867
Provision for income taxes32,67924,1447,823
Net income$ 91,729$ 67,405$ 20,044
Basic earnings per share$ 2.05$ 1.51$ 0.66
Diluted earnings per share2.021.490.65
Dividends declared per share$ 0.20$ 0.20$ 0.16
Wealth management   
Noninterest income   
Service charges on deposits$ 9,803$ 9,887$ 9,408
Service charges on deposits   
Noninterest income   
Service charges on deposits9,8179,5625,403
Secondary mortgage fees   
Noninterest income   
Service charges on deposits2593321,044
Mortgage servicing income   
Noninterest income   
Service charges on deposits$ 2,029$ 2,130$ 2,181

OSBC Balance Sheet

2023-12-31
Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2023
Dec. 31, 2022
Assets  
Cash and due from banks$ 55,534$ 56,632
Interest earning deposits with financial institutions44,61158,545
Cash and cash equivalents100,145115,177
Securities available-for-sale, at fair value1,192,8291,539,359
Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock33,35520,530
Loans held-for-sale1,322491
Total Loans4,042,9533,869,609
Less: allowance for credit losses on loans44,26449,480
Net loans3,998,6893,820,129
Premises and equipment, net79,31072,355
Other real estate owned5,1231,561
Mortgage servicing rights, at fair value10,34411,189
Goodwill86,47886,478
Core deposit intangible11,21713,678
Bank-owned life insurance ("BOLI")109,318106,608
Deferred tax assets, net31,07744,750
Other assets63,59256,012
Total assets5,722,7995,888,317
Deposits:  
Noninterest bearing demand1,834,8912,051,702
Interest bearing:  
Savings, NOW, and money market2,207,9492,617,100
Time527,906441,921
Total deposits4,570,7465,110,723
Securities sold under repurchase agreements26,47032,156
Other short-term borrowings405,00090,000
Junior subordinated debentures25,77325,773
Subordinated debentures59,38259,297
Senior notes 44,585
Notes payable and other borrowings 9,000
Other liabilities58,14755,642
Total liabilities5,145,5185,427,176
Stockholders' Equity  
Common stock44,70544,705
Additional paid-in capital202,223202,276
Retained earnings393,311310,512
Accumulated other comprehensive loss(62,781)(93,124)
Treasury stock(177)(3,228)
Total stockholders' equity577,281461,141
Total liabilities and stockholders' equity$ 5,722,799$ 5,888,317
OSBC
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
 WEBSITEwww.oldsecond.com
 EMPLOYEES819

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 Wed Mar 27 2024, market cap of Old Second Bancorp Inc is 617.36 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 Wed Mar 27 2024, OSBC's PE ratio (Price to Earnings) is 6.73 and Price to Sales (PS) ratio is 2.11. 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 0.118 (multiply by 100 for percentage) rate of return.