OSBC
Old Second Bancorp Inc Financials State Commercial Banks Russell 3000
$24.30Close
$1.3BMarket cap
$17.50 – $25.9152-week range
Jan 20, 2027Next report · estimated
Highlights
Cautions
- Trend not confirmed 6 of 8 conditions · under the 50-day, RS under 70
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
6%
1wk
down 0.2%
price change
1mo
down 0.5%
price change
12-month return
up 36%
market up 11% ·
its own up 24%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
15.9×
price / earnings
PEG
—
P/E / EPS growth
P/B
1.4×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 19%
year on year
EPS growth
up 14%
latest quarter · +3 pts
Sales growth
up 29%
latest quarter · +0 pts
ROE
up 10%
return on equity
Free cash margin
—
D/E
0.38
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Piotroski tests
Repair signals
- Revenue reaccelerating (-0% then +19%)
Trade setup
ATR%
2.2%
$0.54 a day · 2×ATR $23.21
RS
67 / 99
vs the universe
Trend
6 / 8
under the 50-day, RS under 70
Relative volume
1.0×
vs 50-day average
Up/down volume
0.95
50 sessions
Implied move
—
no scheduled report
Trend template · 6 of 8
- Price above the 50-day average: fails
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- Shareholders diluted The share count rose 17.4% over the year, from 45m to 53m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported
Oct 21, 2026
Results reaction
Oct 21, 2026-1% vs market2 sessions after results
Financials
- Net 24%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $129.2M | $136.0M | $249.3M | $286.1M | $285.5M | $339.3M |
| Net income | $27.8M | $20.0M | $67.4M | $91.7M | $85.3M | $80.3M |
| Net margin | 22% | 15% | 27% | 32% | 30% | 24% |
| Earnings per share | $0.92 | $0.65 | $1.49 | $2.02 | $1.87 | $1.62 |
| Cash | $329.9M | $752.1M | $115.2M | $100.1M | $99.3M | $124.0M |
| Long-term debt | $160.5M | $198.9M | $260.8M | $516.6M | $141.9M | $338.9M |
| Shareholders' equity | $307.1M | $502.0M | $461.1M | $577.3M | $671.0M | $896.8M |
| Shares outstanding | 29.33m | 44.46m | 44.58m | 44.70m | 44.87m | 52.67m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 6, 2026 | Quarterly ↗ | Jun 30, 2026 | 37d |
| May 7, 2026 | Quarterly ↗ | Mar 31, 2026 | 37d |
| Feb 26, 2026 | Annual ↗ | Dec 31, 2025 | 57d |
| Nov 6, 2025 | Quarterly ↗ | Sep 30, 2025 | 37d |
| Aug 7, 2025 | Quarterly ↗ | Jun 30, 2025 | 38d |
| May 9, 2025 | Quarterly ↗ | Mar 31, 2025 | 39d |
| Mar 6, 2025 | Annual ↗ | Dec 31, 2024 | 65d |
| Nov 7, 2024 | Quarterly ↗ | Sep 30, 2024 | 38d |
| Aug 8, 2024 | Quarterly ↗ | Jun 30, 2024 | 39d |
| May 9, 2024 | Quarterly ↗ | Mar 31, 2024 | 39d |
| Mar 7, 2024 | Annual ↗ | Dec 31, 2023 | 67d |
| Nov 8, 2023 | Quarterly ↗ | Sep 30, 2023 | 39d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 21, 2026 | Results ↗ |
| Oct 20, 2026 | Other events ↗ |
| Oct 19, 2026 | Director or officer change ↗ |
| Oct 1, 2026 | Other events ↗ |
| Jul 22, 2026 | Results ↗ |
| Jul 21, 2026 | Other events ↗ |
| Jul 8, 2026 | Director or officer change ↗ |
| Jul 1, 2026 | Other events ↗ |
| Jun 25, 2026 | Other events ↗ |
| Jun 9, 2026 | Director or officer change ↗ |
| May 20, 2026 | Shareholder vote ↗ |
| May 19, 2026 | Regulation FD ↗ |