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OSBC
$20.79+0.18 (+0.87%)
Market ClosedLast close May 1
Old Second Bancorp, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Old Second Bancorp, Inc. in the Financial Services sector is trading at $20.79. The stock is currently 7% below its 52-week high of $22.43, remaining 9.4% above its 200-day moving average. Technical signals show neutral RSI of 43 and bearish MACD signal, explaining why OSBC maintains its current momentum and trend strength. The Whystock Score of 85/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 43) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$20.79
Potential Upside
51.7%
Whystock Fair Value$31.55
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus5 analysts
Buy
Mean target$23.20+11.6%
Range$22.00 – $25.00
Fundamentals
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 provides deposit products, including consumer and business checking, NOW, money mark...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$1.12B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
13.09
Beta
Defensive asset. Lower volatility than the S&P 500.
0.74
Div Yield
Strong income play. Yield provides a meaningful total return floor.
123.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
9.33%
Volume
Today's trading volume
295,241
Recent News
A Look At Old Second Bancorp (OSBC) Valuation After Q1 Earnings And Share Buyback
What Old Second Bancorp’s latest earnings and buyback mean for investors Old Second Bancorp (OSBC) released first quarter 2026 results that paired higher net interest income and net income with heavier credit costs, while also completing a share repurchase equal to 2.23% of shares outstanding. See our latest analysis for Old Second Bancorp. Old Second Bancorp’s 1-year total shareholder return of 26.59% sits against a flatter 90-day share price return of 0.91%. This suggests momentum has...
Why The Narrative Around Old Second Bancorp (OSBC) Is Shifting After Valuation And Earnings Updates
The model fair value for Old Second Bancorp has been adjusted slightly, moving from US$23.60 to US$23.40, which puts a finer point on how recent assumptions feed into the updated price target. Analysts are using this small change to debate whether the Overweight initiation, along with current expectations, leaves enough room for comfort around execution and earnings quality. As you read on, you will see how this evolving narrative may matter for how you track the stock from here. Stay updated...
OSBC Q1 Deep Dive: Credit Costs and Margin Strength Shape Mixed Performance
Midwest regional bank Old Second Bancorp (NASDAQ:OSBC) reported revenue ahead of Wall Street’s expectations in Q1 CY2026, with sales up 28.1% year on year to $94.09 million. Its non-GAAP profit of $0.49 per share was 4.7% below analysts’ consensus estimates.
Old Second Bancorp Inc (OSBC) Q1 2026 Earnings Call Highlights: Strong Profitability Amidst ...
Old Second Bancorp Inc (OSBC) reports robust earnings and cost management, despite facing headwinds in loan performance and asset quality.
Old Second Bancorp Q1 Earnings Call Highlights
Old Second Bancorp (NASDAQ:OSBC) reported first-quarter 2026 GAAP net income of $25.6 million, or $0.48 per diluted share, as the company highlighted strong net interest margin performance but acknowledged elevated charge-offs and a softer turn in certain credit metrics. Quarterly results and profi