Old Second Bancorp 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 877 staff and has a trailing 12-month revenue of around $288.8 million.
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Old Second Bancorp stock price (NASDAQ: OSBC)
Use our graph to track the performance of OSBC stocks over time.
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.
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.
Is Old Second Bancorp stock undervalued or overvalued?
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 13x. In other words, Old Second Bancorp shares trade at around 13x 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
$288.8 million
Operating margin TTM
19.62%
Gross profit TTM
$288.8 million
Return on assets TTM
1.12%
Return on equity TTM
9.25%
Profit margin
24.46%
Book value
$16.46
Market Capitalization
$992.8 million
TTM: trailing 12 months
Old Second Bancorp share dividends
Dividend payout ratio: 13.02% of net profits
Recently Old Second Bancorp has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% 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 0% return on their shares, in the form of dividend payments. In Old Second Bancorp's case, that would currently equate to about $0.24 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 9 November 2025. The latest dividend was paid out to all shareholders who bought their shares by 30 October 2025 (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 $13.984 up to $19.2452. 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 0.829. This would suggest that Old Second Bancorp's shares are less volatile than average (for this exchange).
Old Second Bancorp overview
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, 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. The company was founded in 1871 and is headquartered in Aurora, Illinois. .
Frequently asked questions
What percentage of Old Second Bancorp is owned by insiders or institutions? Currently 4.728% of Old Second Bancorp shares are held by insiders and 70.296% by institutions.How many people work for Old Second Bancorp? Latest data suggests 877 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, 60507What is Old Second Bancorp's ISIN number? Old Second Bancorp's international securities identification number is: US6802771005What is Old Second Bancorp's CUSIP number? Old Second Bancorp's Committee on Uniform Securities Identification Procedures number is: 680277100
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