Old Second Bancorp Inc
NASDAQ:OSBC

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Old Second Bancorp Inc Logo
Old Second Bancorp Inc
NASDAQ:OSBC
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Price: 18.71 USD 1.08% Market Closed
Market Cap: 839.1m USD
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Intrinsic Value

The intrinsic value of one OSBC stock under the Base Case scenario is 22.99 USD. Compared to the current market price of 18.71 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
22.99 USD
Undervaluation 19%
Intrinsic Value
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Valuation Backtest
Old Second Bancorp Inc

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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.

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Fundamental Analysis

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Financials
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Balance Sheet Decomposition
Old Second Bancorp Inc

Net Loans 3.9B
Investments 1.3B
PP&E 82.8m
Intangibles 105.7m
Other Assets 241.7m
Total Deposits 4.5B
Short Term Debt 53.9m
Long Term Debt 85.2m
Other Liabilities 405.9m
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
3% Downside
Average
Price Target
20.15 USD
8% Upside
Highest
Price Target
24.15 USD
29% Upside
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Dividends

Dividend Yield
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Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Unsafe
Safe
Very
Safe
0
25
50
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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
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Buyback Yield
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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
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Profile

Old Second Bancorp Inc Logo
Old Second Bancorp Inc

Country

United States of America

Industry

Banking

Market Cap

839.2m USD

Dividend Yield

1.12%

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
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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
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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 22.99 USD.

Is OSBC stock undervalued or overvalued?

Compared to the current market price of 18.71 USD, Old Second Bancorp Inc is Undervalued by 19%.

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