How to buy Old Second Bancorp stock | $13.86

Old Second Bancorp, Inc is a banks-regional business based in the US. Old Second Bancorp shares (OSBC) are listed on the NASDAQ and all prices are listed in US Dollars. Old Second Bancorp employs 533 staff and has a trailing 12-month revenue of around 0.00.

Old Second Bancorp stock price (NASDAQ: OSBC)

Use our graph to track the performance of OSBC stocks over time.

Old Second Bancorp shares at a glance

• Key figures

Information last updated 2021-07-31.

Latest market close	$13.86
52-week range	$7.12 - $14.39
50-day moving average	$12.47
200-day moving average	$12.61
Wall St. target price	$15.00
PE ratio	8.833
Dividend yield	$0.08 (0.68%)
Earnings per share (TTM)	$1.31

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Is it a good time to buy Old Second Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Old Second Bancorp, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Old Second Bancorp price performance over time

Historical closes compared with the close of $13.86 from 2021-05-28

1 week (2021-07-21)	N/A
1 month (2021-07-01)	10.26%
3 months (2021-04-30)	4.92%
6 months (2021-01-28)	N/A

1 year (2020-07-28)	N/A
2 years (2019-07-28)	N/A
3 years (2018-07-28)	N/A
5 years (2016-07-28)	N/A

Is Old Second Bancorp under- or over-valued?

Valuing Old Second Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Old Second Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Old Second Bancorp's P/E ratio

Old Second Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 9x. In other words, Old Second Bancorp shares trade at around 9x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Old Second Bancorp's PEG ratio

Old Second Bancorp's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.6. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Old Second Bancorp's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Old Second Bancorp financials

Revenue TTM	$137.8 million
Operating margin TTM	39.74%
Gross profit TTM	$118.8 million
Return on assets TTM	1.26%
Return on equity TTM	13.04%
Profit margin	28.32%
Book value	$11.01
Market capitalisation	$332.4 million

TTM: trailing 12 months

Shorting Old Second Bancorp shares

There are currently 412,354 Old Second Bancorp shares held short by investors – that's known as Old Second Bancorp's "short interest". This figure is 17.3% up from 351,425 last month.

There are a few different ways that this level of interest in shorting Old Second Bancorp shares can be evaluated.

Old Second Bancorp's "short interest ratio" (SIR)

Old Second Bancorp's "short interest ratio" (SIR) is the quantity of Old Second Bancorp shares currently shorted divided by the average quantity of Old Second Bancorp shares traded daily (recently around 119177.4566474). Old Second Bancorp's SIR currently stands at 3.46. In other words for every 100,000 Old Second Bancorp shares traded daily on the market, roughly 3460 shares are currently held short.

However Old Second Bancorp's short interest can also be evaluated against the total number of Old Second Bancorp shares, or, against the total number of tradable Old Second Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Old Second Bancorp's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Old Second Bancorp shares in existence, roughly 10 shares are currently held short) or 0.017% of the tradable shares (for every 100,000 tradable Old Second Bancorp shares, roughly 17 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Old Second Bancorp.

Find out more about how you can short Old Second Bancorp stock.

Old Second Bancorp share dividends

Dividend payout ratio: 9.16% of net profits

Recently Old Second Bancorp has paid out, on average, around 9.16% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.69% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Old Second Bancorp shareholders could enjoy a 1.69% return on their shares, in the form of dividend payments. In Old Second Bancorp's case, that would currently equate to about $0.08 per share.

While Old Second Bancorp's payout ratio might seem low, this can signify that Old Second Bancorp is investing more in its future growth.

Old Second Bancorp's most recent dividend payout was on 8 August 2021. The latest dividend was paid out to all shareholders who bought their shares by 28 July 2021 (the "ex-dividend date").

Have Old Second Bancorp's shares ever split?

Old Second Bancorp's shares were split on a 2:1 basis on 28 July 2004. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Old Second Bancorp shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Old Second Bancorp shares which in turn could have impacted Old Second Bancorp's share price.

Old Second Bancorp share price volatility

Over the last 12 months, Old Second Bancorp's shares have ranged in value from as little as $7.1177 up to $14.3897. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Old Second Bancorp's is 1.4353. This would suggest that Old Second Bancorp's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Old Second Bancorp overview

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides a range of 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.

Frequently asked questions

What percentage of Old Second Bancorp is owned by insiders or institutions?
Currently 5.739% of Old Second Bancorp shares are held by insiders and 73.432% by institutions. How many people work for Old Second Bancorp?
Latest data suggests 533 work at Old Second Bancorp. When does the fiscal year end for Old Second Bancorp?
Old Second Bancorp's fiscal year ends in December. Where is Old Second Bancorp based?
Old Second Bancorp's address is: 37 South River Street, Aurora, IL, United States, 60506-4173 What is Old Second Bancorp's ISIN number?
Old Second Bancorp's international securities identification number is: US6802771005 What is Old Second Bancorp's CUSIP number?
Old Second Bancorp's Committee on Uniform Securities Identification Procedures number is: 680277100