Old Second Bancorp Inc
NASDAQ:OSBC
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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:
Valuation Backtest
Old Second Bancorp Inc
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Fundamental Analysis
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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 |
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
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.
Dividends
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?
Ownership
OSBC Insider Trading
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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.
Officers
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%.