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Old Second Bancorp, Inc.

OSBC· NASDAQ
$24.99+0.28%
2026-09-18

Financials

Valuation Metrics

Old Second Bancorp, Inc.'s Market Cap is $1.29B. At end of 2025 it was $1.03B. Ranked #2323 of 3,121 in US market (top 74%), #938 of 1,463 on NASDAQ (top 64%), #162 of 248 in Banks (top 65%) by Market Cap.

Investment Metrics(as of 2026-09-18)

MetricValue
Size
Market Cap$1.29B
Revenue$381M
Net Income$92M
Total Assets$6.85B
Net Assets$903M
Employees1,062
Value
P/E13.91x
P/B1.42x
PEG1.34x
P/S3.37x
EV/EBITDA12.72x
FCF Yield11.00%
Profitability
ROE10.24%
ROA1.35%
Op. Margin33.36%
Revenue Growth31.04%
Earnings Growth10.40%
Financial Health
Debt Ratio659.48%
Total Debt$469M
FCF$141M
Cash$47M
Current Ratio0.12x
Net Debt/EBITDA3.14x
Dividend
Div. Yield1.10%
Div. Growth30.03%
Performance
1Y Return36.11%
1M Return-0.20%
From 52W High-4.11%
1Y MDD-10.20%
Trading
Volume673,610 shares
Trading Value$17M
Per Share
EPS$1.80
BPS$17.55

Company Info

CEO James L. Eccher
Employees 1,062
HQ Aurora, US

Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.