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OSBC
$21.94+0.23 (+1.06%)
After Hours$21.94+0.00 (+0.00%)· Last close Jun 9
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 $21.94. Wall Street consensus targets $23.20 (5 analysts), implying a +5.7% move over the next 12 months. The stock is currently near its 52-week high of $22.43, remaining 12.6% above its 200-day moving average. On fundamentals, Piotroski 4/9 shows mixed financial quality. The Whystock Score of 90/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side targets imply +5.7% upside over 12 months
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
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$21.94
Potential Downside
0%
Whystock Fair Value$21.94
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.
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).
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P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
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Beta
High-beta play. Expect amplified moves vs. the broad market.
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Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
1.23%
ROE
Average efficiency. Growth may require heavy reinvestment.
9.63%
Volume
Today's trading volume
239,865
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How The Old Second Bancorp (OSBC) Investment Story Is Shifting As Analyst Views Diverge
A modest US$1 reduction in the Street price target has sharpened attention on how Old Second Bancorp is being valued today. That move reflects a split view, with some analysts comfortable with the stock’s positioning, while others lean on more cautious assumptions in their models. As you read on, you will see what is driving this evolving narrative and how to keep track of the shifts that matter. Analyst Price Targets don't always capture the full story. Head over to our Company Report to...
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