Old Second Bancorp Inc
NASDAQ:OSBC

Watchlist Manager
Old Second Bancorp Inc Logo
Old Second Bancorp Inc
NASDAQ:OSBC
Watchlist
Price: 18.61 USD 0.27% Market Closed
Market Cap: 834.7m USD
Have any thoughts about
Old Second Bancorp Inc?
Write Note

Intrinsic Value

The intrinsic value of one OSBC stock under the Base Case scenario is 23.07 USD. Compared to the current market price of 18.61 USD, Old Second Bancorp Inc is Undervalued by 19%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

OSBC Intrinsic Value
23.07 USD
Undervaluation 19%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Old Second Bancorp Inc

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for OSBC cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about OSBC?
Bearish
Neutral
Bullish

Fundamental Analysis

Risks & Rewards

 

 

 

 

View All Risks & Rewards
Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Notes
AI Assistant
AI Assistant
Ask me anything about Old Second Bancorp Inc

Provide an overview of the primary business activities
of Old Second Bancorp Inc.

What unique competitive advantages
does Old Second Bancorp Inc hold over its rivals?

What risks and challenges
does Old Second Bancorp Inc face in the near future?

Has there been any significant insider trading activity
in Old Second Bancorp Inc recently?

Summarize the latest earnings call
of Old Second Bancorp Inc.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Old Second Bancorp Inc.

Provide P/S
for Old Second Bancorp Inc.

Provide P/E
for Old Second Bancorp Inc.

Provide P/B
for Old Second Bancorp Inc.

Show me price targets
for Old Second Bancorp Inc made by professional analysts.

What are the Revenue projections
for Old Second Bancorp Inc?

How accurate were the past Revenue estimates
for Old Second Bancorp Inc?

What are the Net Income projections
for Old Second Bancorp Inc?

How accurate were the past Net Income estimates
for Old Second Bancorp Inc?

What are the EPS projections
for Old Second Bancorp Inc?

How accurate were the past EPS estimates
for Old Second Bancorp Inc?

What are the EBIT projections
for Old Second Bancorp Inc?

How accurate were the past EBIT estimates
for Old Second Bancorp Inc?

Compare the revenue forecasts
for Old Second Bancorp Inc with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Old Second Bancorp Inc and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Old Second Bancorp Inc against its competitors.

Analyze the profit margins
(gross, operating, and net) of Old Second Bancorp Inc compared to its peers.

Compare the P/E ratios
of Old Second Bancorp Inc against its peers.

Discuss the investment returns and shareholder value creation
comparing Old Second Bancorp Inc with its peers.

Analyze the financial leverage
of Old Second Bancorp Inc compared to its main competitors.

Show all profitability ratios
for Old Second Bancorp Inc.

Provide ROE
for Old Second Bancorp Inc.

Provide ROA
for Old Second Bancorp Inc.

Provide Net Interest Margin
for Old Second Bancorp Inc.

Provide Net Margin
for Old Second Bancorp Inc.

Show all solvency ratios
for Old Second Bancorp Inc.

Loans/Deposits Ratio
for Old Second Bancorp Inc.

What is the historical Revenue growth
over the last 5 years for Old Second Bancorp Inc?

What is the historical Net Income growth
over the last 5 years for Old Second Bancorp Inc?

What is the current Free Cash Flow
of Old Second Bancorp Inc?

Discuss the annual earnings per share (EPS)
trend over the past five years for Old Second Bancorp Inc.

Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Old Second Bancorp Inc

Net Loans 3.9B
Investments 1.3B
PP&E 82.9m
Intangibles 107m
Other Assets 248m
Total Deposits 4.5B
Short Term Debt 46.5m
Long Term Debt 85.2m
Other Liabilities 389.9m
Earnings Calls

In Q3 2024, Old Second Bancorp reported a net income of $23 million, translating to $0.50 per share, alongside a robust return on assets of 1.63%. Despite a $2 million credit loss provision impacting earnings, tangible equity rose to 10.14%. The bank announced a 20% increase in the common dividend, reflecting confidence in future profitability. Loan growth improved by $14.5 million, largely in commercial sectors. With a stable net interest margin of 4.64%, expectations remain for modest declines due to upcoming rate cuts. Management anticipates 3-5% loan growth for 2025 while actively assessing M&A opportunities.

What is Earnings Call?

Wall St
Price Targets

OSBC Price Targets Summary
Old Second Bancorp Inc

Wall Street analysts forecast OSBC stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for OSBC is 20.15 USD with a low forecast of 18.18 USD and a high forecast of 24.15 USD.

Lowest
Price Target
18.18 USD
2% Downside
Average
Price Target
20.15 USD
8% Upside
Highest
Price Target
24.15 USD
30% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for OSBC?

Click here to dive deeper.

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for OSBC is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Ownership

OSBC Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Profile

Old Second Bancorp Inc Logo
Old Second Bancorp Inc

Country

United States of America

Industry

Banking

Market Cap

834.7m USD

Dividend Yield

1.13%

Description

Old Second Bancorp, Inc. is a bank holding company, which engages in the provision of traditional retail and commercial banking services through its wholly owned subsidiaries. The company is headquartered in Aurora, Illinois and currently employs 891 full-time employees. The firm through its wholly-owned subsidiary bank, Old Second National Bank (the Bank), offers a range of financial services. The firm provides full-service banking business, which includes a range of deposit products, trust and wealth management services, and lending services, including demand, negotiable order of withdrawal, money market, savings, time deposit and individual retirement accounts; commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking; safe deposit operations. The company also provides additional services, which include acquisition of the United States Treasury notes and bonds, money orders, cashiers' checks and foreign currency, direct deposit, debit cards, credit cards and other special services. Its lending activities include making commercial and consumer loans, primarily on a secured basis.

Contact

ILLINOIS
Aurora
37 S River St
+16308920202.0
www.oldsecond.com

IPO

1993-11-11

Employees

891

Officers

President, CEO & Chairman of the Board
Mr. James L. Eccher
EVP, COO & CFO
Mr. Bradley S. Adams
EVP & Head of Wealth Management
Mr. Richard A. Gartelmann Jr., CFP
Executive VP & Chief Lending Officer
Mr. Donald J. Pilmer
Senior VP & Chief Technology Officer
Mr. Kris Wieschhaus
Senior VP & MD of Wealth Management
Ms. Jacqueline Ann Runnberg CFP
Show More
Chief Investment Officer of Wealth Management Group
Mr. Steven C. Meves
Shareholder Relations Manager
Ms. Shirley Cantrell
Senior Vice President of Human Resources
Mr. Chris Lasse
Senior Vice President of Retirement Plan Services
Mr. Joseph Monocchio
Show Less

See Also

Discover More
What is the Intrinsic Value of one OSBC stock?

The intrinsic value of one OSBC stock under the Base Case scenario is 23.07 USD.

Is OSBC stock undervalued or overvalued?

Compared to the current market price of 18.61 USD, Old Second Bancorp Inc is Undervalued by 19%.

Back to Top