Old Second Bancorp: Regional Bank Stock Tries To Hold Its Ground As Rates, Results And Recession Fea
Old Second Bancorp's stock has seen a mild decline recently, underperforming larger banks but aligning with regional peers, as investors cautiously assess the regional banking sector. Despite solid profitability and credit quality, the stock is trading below its 52-week highs, reflecting investor concerns about future interest rates, funding costs, and potential credit quality weakening. Analysts maintain a generally constructive outlook, rating OSBC as Buy to Overweight, but acknowledge that its future performance hinges on interest rate trajectories, sustained credit quality, and organic growth in a competitive Midwest market.
Old Second Bancorp, Inc. (NASDAQ:OSBC) Receives Average Rating of "Moderate Buy" from Brokerages
Old Second Bancorp, Inc. (NASDAQ:OSBC) has received an average rating of "Moderate Buy" from five brokerages, with an average 12-month price target of $22.63. The company recently reported strong quarterly results, beating EPS and revenue estimates, and declared a quarterly dividend of $0.07. Insider activity shows an EVP selling 2,000 shares, while institutional investors own approximately 67.8% of the stock.
Old Second Bancorp Is Quietly Popping Off: Is OSBC the Bank Stock Everyone’s Sleeping On?
Old Second Bancorp (OSBC) is presented as a quietly performing regional bank worth considering for long-term investors. While it lacks the viral appeal of meme stocks, its stable balance sheet, dividend payments, and focus on traditional banking make it an attractive option for those seeking value and income away from high-growth tech plays. The article suggests evaluating OSBC for portfolio diversification and as a potential compounder, especially given its responsiveness to interest rates and regional economic conditions.
Richard Gartelmann Jr Sells 2,000 Shares of Old Second Bancorp (NASDAQ:OSBC) Stock
Richard Gartelmann Jr., Executive Vice President at Old Second Bancorp (NASDAQ:OSBC), sold 2,000 shares of the company's stock for $41,960.00 on February 5th, reducing his stake by 7.44%. This transaction comes after Old Second Bancorp reported better-than-expected Q4 earnings with $0.58 EPS and $95.21 million in revenue, and announced a quarterly dividend of $0.07. Analysts currently have a "Moderate Buy" consensus rating for OSBC with an average target price of $22.63.
Is Old Second Bancorp (OSBC) Pricing Reflect Its Strong Excess Returns Potential
This article analyzes Old Second Bancorp's (OSBC) valuation using two approaches: Excess Returns and Price vs. Earnings (P/E). The Excess Returns model suggests OSBC is 55.8% undervalued with an intrinsic value of about US$45.83 per share compared to its current price of US$20.24. Conversely, the P/E analysis indicates the stock is "about right," trading near its calculated Fair Ratio of 13.30x.
How Investors Are Reacting To Old Second Bancorp (OSBC) Buyback, Dividend And Mixed Credit Signals
Old Second Bancorp (OSBC) recently announced a US$43.9 million share repurchase program and a US$0.07 dividend, following strong Q4 2025 results. This move emphasizes capital return despite rising credit risks in its Powersports portfolio and elevated non-performing assets compared to peers. The market's reaction is mixed, with fair value estimates from community members ranging from US$19.55 to US$22.92, indicating divided opinions on how the buyback and dividend balance increasing credit concerns.
DA Davidson Flag Elevated Non-Performing Assets as Key Risk for Old Second Bancorp, Inc. (OSBC)
DA Davidson raised its price target for Old Second Bancorp, Inc. (OSBC) to $23 from $22, maintaining a Neutral rating after the company's strong Q4 earnings, which benefited from the Evergreen acquisition. Despite robust net interest margin, the firm highlighted elevated non-performing assets as a key risk. Old Second Bancorp reported strong fourth-quarter results with solid growth in net interest and dividend income and maintained strong profitability and capital strength.
Old Second Bancorp Announces $43.9 Million Share Buyback
Old Second Bancorp announced a $43.9 million share repurchase program authorized by its Board of Directors, following a non-objection letter from the Federal Reserve Bank of Chicago. The buybacks will be executed through various methods, with timing and pricing determined by management, and any repurchases after December 31, 2026, will require further regulatory approval. Analysts currently rate OSBC stock as a "Buy" with a $22.00 price target, and TipRanks' AI Analyst assesses it as "Outperform" due to solid financial strength and a constructive earnings outlook.
Old Second Bancorp Authorizes $43.9 Million Share Repurchase Program
Old Second Bancorp (OSBC) announced a $43.9 million share repurchase program on January 27, 2026, which was approved by the Federal Reserve on January 8, 2026. The repurchases can be conducted through various methods, and management will determine the timing and quantity. Any repurchases after 2026 will require additional Federal Reserve approval.
Old Second Bancorp Announces $43.9 Million Share Buyback
Old Second Bancorp announced a $43.9 million share repurchase program, authorized by its Board of Directors following a non-objection letter from the Federal Reserve Bank of Chicago. The program allows for discretionary buybacks through various methods, with timing and pricing subject to management's discretion and regulatory requirements. Analyst sentiment from Spark, TipRanks' AI Analyst, rates OSBC as "Outperform" due to solid financial strength and a constructive earnings outlook, though it notes some offsetting factors like margin/cash-flow pressure.
Ex-Dividend Reminder: Old Second Bancorp, Concentrix and Texas Instruments
Old Second Bancorp (OSBC), Concentrix (CNXC), and Texas Instruments (TXN) are scheduled to trade ex-dividend on January 30, 2026, for their upcoming quarterly dividends. Investors can expect their stock prices to adjust downwards by the dividend amount on that date. The article provides current dividend yields and historical dividend data for these companies.
The Top 5 Analyst Questions That Stood Out During Old Second Bancorp’s Q4 Earnings Call
Old Second Bancorp surpassed adjusted EPS expectations in Q4 2025, driven by a strong net interest margin and effective expense management, despite an increase in Powersports segment net charge-offs. Analyst questions focused on the sustainability of cost reductions, credit risk in Powersports, net interest margin stability amid rate changes, and deposit strategy. The company is working to replace brokered deposits with core funding and manage Powersports charge-offs while maintaining profitability.
Old Second Bancorp, Inc. (NASDAQ:OSBC) Q4 2025 Earnings Call Transcript
Old Second Bancorp, Inc. (NASDAQ:OSBC) reported strong Q4 2025 earnings, with diluted EPS of $0.54 and an ROA of 1.64%. The company achieved a net interest margin of 5.09% and saw tangible book value per share increase to $14.12. Discussions during the earnings call highlighted the profitability of the Powersport loan portfolio despite higher charge-offs, successful integration of recent acquisitions, and plans for modest loan growth and share repurchases in 2026.
OSBC Q4 Deep Dive: Powersports Portfolio and Margin Resilience in Focus
Old Second Bancorp (OSBC) met Q4 CY2025 revenue expectations while exceeding non-GAAP profit forecasts, driven by strong net interest margin and effective cost control. The company highlighted ongoing benefits from acquisitions and a robust Powersports portfolio, despite slightly higher net charge-offs in that segment. Management expects stable margins, mid-single-digit loan growth, and continued expense control, while monitoring credit risk and optimizing the funding mix.
Is It Smart To Buy Old Second Bancorp, Inc. (NASDAQ:OSBC) Before It Goes Ex-Dividend?
Old Second Bancorp, Inc. (NASDAQ:OSBC) is set to trade ex-dividend in four days, with a payment of US$0.07 per share. The company boasts a conservative payout ratio of 15% and has shown strong earnings and dividend per share growth over the past five and ten years, respectively. This combination of rapid growth and a low payout ratio makes it an attractive potential dividend stock for long-term investors.
Old Second Bancorp (NASDAQ:OSBC) Price Target Raised to $23.00 at DA Davidson
DA Davidson raised its price target for Old Second Bancorp (OSBC) to $23.00 from $22.00, maintaining a "neutral" rating. Despite the positive analyst action, shares traded down by approximately 3.8% to $20.45. The company recently exceeded quarterly earnings expectations with $0.58 EPS and $95.21 million in revenue.
Old Second Bancorp earnings beat by $0.08, revenue topped estimates
Old Second Bancorp (NASDAQ: OSBC) announced its fourth-quarter earnings, beating analyst EPS estimates by $0.08 with an EPS of $0.58. The company also surpassed revenue expectations, reporting $95.2 million against an estimated $94.88 million. Following the report, Old Second Bancorp's stock price closed at $21.47, reflecting a 15.68% increase over the last three months and a 14.94% rise over the past year.
Old Second Bancorp Q4 Earnings Call Highlights
Old Second Bancorp (NASDAQ: OSBC) reported strong Q4 2025 GAAP net income of $28.8 million ($0.54/share), or $30.8 million ($0.58/share) excluding adjustments, with a net interest margin above 5%. The company plans to shift its funding mix, replacing $300-$400 million in deposits, and targets mid-single-digit loan growth for 2026 despite anticipated elevated near-term power sports losses. Management highlighted an expanding tangible capital base and potential share repurchases, while M&A remains a consideration for the right strategic fit.
Old Second Bancorp (NASDAQ:OSBC) Reports Q4 CY2025 In Line With Expectations
Old Second Bancorp (NASDAQ:OSBC) reported Q4 CY2025 results that met Wall Street's revenue expectations, with sales up 29.5% year-on-year to $95.21 million. The bank's non-GAAP profit per share of $0.58 exceeded analyst estimates by 8.1%. Key highlights include a 34.9% year-on-year growth in net interest income and a 14% year-on-year growth in tangible book value per share, indicating a strong financial quarter.
Old Second Bancorp (NASDAQ:OSBC) Reports Q4 CY2025 In Line With Expectations
Old Second Bancorp (NASDAQ: OSBC) reported Q4 CY2025 results that met Wall Street's revenue expectations, with sales up 29.5% year-on-year to $95.21 million. The Midwest regional bank also exceeded analyst estimates for non-GAAP profit per share by 8.1%, reporting $0.58. Key metrics like net interest income, net interest margin, and tangible book value per share also beat or were in line with analyst projections, indicating a solid financial performance for the company.
Old Second Bancorp (OSBC) Declares $0.07 Quarterly Dividend with 1.36% Yield
Old Second Bancorp (OSBC) has declared a quarterly dividend of $0.07 per share, maintaining consistency and signaling stable profitability. This declaration results in a forward yield of 1.36%, making it attractive to income-seeking investors. The dividend is payable on February 9, with record and ex-dividend dates on January 30, and the company projects future growth and a potential dividend boost following the Evergreen acquisition.
Old Second Bancorp (OSBC) Q4 Earnings Report Preview: What To Look For
Old Second Bancorp (OSBC) is set to report its Q4 earnings on Wednesday after market close. Analysts anticipate a 29.6% year-on-year revenue growth to $95.29 million and adjusted earnings of $0.54 per share. The company has a strong track record of beating revenue estimates, and investors will be looking at how it performs compared to regional bank peers like First Horizon and BOK Financial.
Old Second Bancorp (OSBC) Q4 Earnings Report Preview: What To Look For
Old Second Bancorp (OSBC) is set to report its Q4 earnings after market close this Wednesday. Analysts expect revenue to grow by 29.6% year-on-year to $95.29 million and adjusted earnings of $0.54 per share. The company has a strong track record of beating revenue estimates, and peer results from First Horizon and BOK Financial suggest a potentially positive outlook for the regional banking sector.
Gear Up for Old Second Bancorp (OSBC) Q4 Earnings: Wall Street Estimates for Key Metrics
Analysts expect Old Second Bancorp (OSBC) to report a 20.5% increase in Q4 earnings per share to $0.53 and a 30.7% rise in revenues to $95.65 million. Key metrics like Net Interest Margin, Efficiency Ratio, and Net Interest Income (TE) are also projected to improve compared to the previous year. OSBC currently holds a Zacks Rank #3 (Hold), indicating it's expected to perform in line with the market.
Old Second Bancorp (OSBC) Projected to Post Quarterly Earnings on Wednesday
Old Second Bancorp (OSBC) is scheduled to post its Q4 2025 earnings after market close on January 21st, with analysts projecting $0.53 EPS and $82.485 million in revenue. The company previously reported $0.53 EPS, surpassing estimates, on revenue of $95.88 million for the prior quarter. The stock, currently trading near $19.87 with a $1.05 billion market cap, has a "Moderate Buy" consensus rating and an average target price of $21.63 from Wall Street analysts.
2 Reasons to Like OSBC (and 1 Not So Much)
Old Second Bancorp (OSBC) has underperformed the S&P 500 recently, but its strengths in net interest income growth and an elite net interest margin suggest a potential buying opportunity. While its consistent net interest income growth and high-yielding loan book are positives, its recent lackluster revenue growth is a point of concern. The article concludes that the company's merits outweigh its flaws, especially given its current valuation.
Reflecting On Regional Banks Stocks' Q3 Earnings: Old Second Bancorp (NASDAQ:OSBC)
This article reviews the Q3 earnings for regional banks, focusing on Old Second Bancorp (NASDAQ:OSBC). It highlights OSBC's robust performance, exceeding revenue and tangible book value per share estimates, and compares it with other regional banks like Customers Bancorp (strongest Q3), The Bancorp (weakest Q3), QCR Holdings, and TowneBank. The piece generally notes a satisfactory Q3 for the regional banking sector despite challenges like fintech competition and commercial real estate exposure.
Reflecting On Regional Banks Stocks’ Q3 Earnings: Old Second Bancorp (NASDAQ:OSBC)
This article reviews the Q3 2025 earnings for regional banks, focusing on Old Second Bancorp (OSBC). While regional banks generally had a satisfactory quarter with revenues beating estimates by 1.3%, they face challenges from fintech competition and economic slowdowns. The article highlights Old Second Bancorp's strong performance, Customers Bancorp as the best performer, and The Bancorp as the weakest, based on analyst estimates.
Old Second Bancorp (OSBC): Buy, Sell, or Hold Post Q3 Earnings?
This article analyzes Old Second Bancorp (OSBC) post-Q3 earnings, highlighting its strengths in net interest income growth and an elite net interest margin. It also points out a concern regarding slower recent revenue growth. The report concludes by questioning if its current share price of $20.26 (1.2× forward P/B) makes it a good time to invest.
Old Second Bancorp (OSBC): Buy, Sell, or Hold Post Q3 Earnings?
Old Second Bancorp (OSBC) shares have seen a 7.5% return over the last six months, trading at $20.26. The bank shows strength in net interest income growth and an elite net interest margin, reflecting a profitable loan book and low cost of funds. However, recent revenue growth has slowed, prompting investors to consider whether it's an opportune time to buy despite the company's strong fundamentals.
Old Second Bancorp’s (NASDAQ:OSBC) Q3 CY2025: Strong Sales
Old Second Bancorp (NASDAQ:OSBC) reported strong Q3 CY2025 results, exceeding revenue and profit expectations. The company's sales rose 34.6% year-on-year to $96.22 million, and its non-GAAP profit per share was $0.53, beating analyst estimates. Key metrics like Net Interest Income, Net Interest Margin, and Tangible Book Value per Share also surpassed expectations, highlighting the company's robust performance.
River Street Advisors LLC Takes Position in Old Second Bancorp, Inc. $OSBC
River Street Advisors LLC acquired 383,949 shares of Old Second Bancorp (NASDAQ:OSBC) in the third quarter, making it their 9th largest holding and 2.6% of their portfolio. Analysts have a "Moderate Buy" rating for OSBC with a consensus price target of $21.63, and the company recently beat earnings estimates and declared a $0.07 quarterly dividend. Institutional investors hold 67.76% of the company's stock.
The Truth About Old Second Bancorp (OSBC): Quiet Bank Stock, Loud Upside?
Old Second Bancorp (OSBC) is presented as a low-key regional bank that offers a stable investment opportunity compared to volatile "hype stocks." The article evaluates OSBC's price performance, solid fundamentals, and inherent risks, concluding that it's a potential "cop" for long-term investors seeking stability and dividends rather than quick gains or social media virality. It suggests OSBC could balance a portfolio heavily invested in high-risk tech or meme stocks.
Old Second acquires Bancorp Financial in cash-and-stock deal
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Old Second Bancorp’s (NASDAQ:OSBC) Q3 CY2025: Strong Sales
Old Second Bancorp (NASDAQ: OSBC) reported strong Q3 CY2025 results, exceeding revenue and profit expectations with sales up 34.6% year-on-year to $96.22 million and a non-GAAP profit of $0.53 per share, surpassing analyst estimates. The regional bank highlighted significant growth in net interest income and an impressive 7.6% annual increase in Tangible Book Value per Share over the last five years. These positive outcomes led to a decent quarter with key metrics outperforming expectations.
Old Second Bancorp to announce Q4 2025 results on January 21
Old Second Bancorp Inc. is scheduled to release its Q4 2025 financial results and host an earnings call on January 21 and 22, 2026, respectively. Analysts have shown optimism with upward revisions to earnings expectations. The company, trading under OSBC, is considered slightly undervalued and has a strong 10-year dividend payment history.
Old Second Bancorp’s (NASDAQ:OSBC) Q3 CY2025: Strong Sales
Old Second Bancorp (NASDAQ: OSBC) reported strong Q3 CY2025 results, with revenue up 34.6% year-on-year to $96.22 million, exceeding market expectations. The regional bank's non-GAAP profit of $0.53 per share also surpassed analyst consensus estimates by 4.6%. Key highlights include a net interest income beat, a net interest margin beat, and an impressive 7.6% annual growth in tangible book value per share over the last five years.
Old Second Bancorp, Inc. (NASDAQ:OSBC) Short Interest Update
Old Second Bancorp (NASDAQ:OSBC) saw a significant drop in short interest in December, decreasing by 15.7% to 972,940 shares. This represents 1.9% of the company's shares shorted, with a days-to-cover ratio of 3.3. The company recently beat quarterly earnings estimates and has a "Moderate Buy" consensus rating from analysts, with an average price target of $21.63.
Old Second Bancorp, Inc. (NASDAQ:OSBC) Given Consensus Recommendation of "Moderate Buy" by Brokerages
Old Second Bancorp, Inc. (NASDAQ:OSBC) has received a "Moderate Buy" consensus recommendation from brokerages, with several analysts issuing buy ratings and an average 12-month price target of $21.63. The company recently surpassed quarterly earnings and revenue estimates and pays a quarterly dividend of $0.07. Insider Darin Patrick Campbell sold a significant number of shares, while institutional investors hold a majority stake in the company.
Thrivent Financial for Lutherans Acquires 56,240 Shares of Old Second Bancorp, Inc. $OSBC
Thrivent Financial for Lutherans increased its stake in Old Second Bancorp (NASDAQ:OSBC) by 42.1% during the second quarter, acquiring an additional 56,240 shares. This boosted their total holdings to 189,920 shares, valued at approximately $3.37 million. Old Second Bancorp recently reported strong earnings, exceeding analyst expectations, and pays a quarterly dividend.
Sara Bay Financial Makes New Investment in Old Second Bancorp, Inc. $OSBC
Sara Bay Financial has initiated a new investment in Old Second Bancorp, Inc. (NASDAQ:OSBC), acquiring 99,063 shares valued at approximately $1.71 million. This position represents 0.5% of Sara Bay's portfolio. Old Second Bancorp recently exceeded Q3 earnings estimates, reporting an EPS of $0.53 and revenue of $95.88 million, and pays a quarterly dividend of $0.07.
Old Second Bancorp (OSBC): Reaffirmed Strong Buy Spurs Fresh Look at Valuation After Revenue Beat and EPS Miss
Raymond James has reiterated a "Strong Buy" rating for Old Second Bancorp (OSBC) following its attendance at the Small Cap Bank Summit and a quarter where revenue exceeded expectations despite an EPS miss. The company has shown strong share price momentum, reflected in an 11.23% return over 30 days and a 122.81% total shareholder return over five years, indicating investor confidence in its growth prospects. While the stock is considered 5.7% undervalued with a fair value of $21.75, its P/E ratio of 15.3 times earnings is richer than peers, suggesting a premium that leaves less room for error.
Old Second Bancorp Shares Pause After Hitting Annual Peak
Old Second Bancorp shares are pausing after reaching a new annual high of $20.70, with investors balancing solid fundamentals against technical indicators suggesting consolidation. The stock has a consensus price target of $21.63, implying a 5.4% upside. The recent Federal Reserve interest rate cut creates a mixed outlook for regional banks like Old Second, and upcoming quarterly results are expected to provide further clarity.
Old Second Bancorp director Ladowicz sells $250k in shares
John Ladowicz, a director at Old Second Bancorp (NASDAQ:OSBC), sold 12,500 shares of company stock for a total of $250,000. This comes as the company recently reported mixed Q3 2025 earnings, with EPS missing expectations but revenue exceeding forecasts, and Raymond James reiterated a Strong Buy rating with a $21.00 price target. Ladowicz now directly owns 36,121 shares and indirectly 149,654 shares.
JPMorgan Chase & Co. Trims Stake in Old Second Bancorp, Inc. $OSBC
JPMorgan Chase & Co. reduced its stake in Old Second Bancorp, Inc. (NASDAQ:OSBC) by 10.7% in the second quarter, selling 102,022 shares. Despite this, other institutional investors increased their positions, and analysts generally maintain a "Buy" rating with a consensus target price of $21.63. Old Second Bancorp recently beat earnings estimates and announced a quarterly dividend of $0.07.
Old Second Bancorp (OSBC): Revisiting Valuation After Strong Buy Rating and Evergreen Bank Acquisition Optimism
Old Second Bancorp (OSBC) is gaining investor attention following positive remarks at the Raymond James Small Cap Bank Summit, highlighting revenue growth and the successful Evergreen Bank acquisition. The company is considered 9.8% undervalued with a fair value of $21.75, however, its P/E ratio of 14.6 times earnings is higher than both US bank peers and its fair ratio, suggesting potential downside risk. Investors can explore custom analyses and screeners on Simply Wall St for further opportunities.
Panagora Asset Management Inc. Purchases New Holdings in Old Second Bancorp, Inc. $OSBC
Panagora Asset Management Inc. acquired a new stake of 55,922 shares in Old Second Bancorp, Inc. valued at approximately $992,000 during the second quarter. Other institutional investors also increased their positions, with institutions now owning 67.76% of the company. Old Second Bancorp outperformed quarterly expectations with $0.53 EPS and $95.9M revenue, maintains a "Buy" consensus rating, and offers a quarterly dividend.
Director Cashes In on Old Second Bancorp Stock Sale!
Old Second Bancorp (OSBC) director John Ladowicz recently sold 13,150 shares for $249,981 on November 26, 2025. TipRanks' AI Analyst, Spark, rates OSBC as an "Outperform" due to strong financial performance and strategic acquisitions, despite challenges like increased credit loss provisions and higher noninterest expenses.
Earnings call transcript: Old Second Bancorp Q3 2025 misses EPS forecast
Old Second Bancorp (OSBC) reported Q3 2025 earnings, missing EPS forecasts at $0.18 against an expected $0.26, a 30.77% shortfall. However, revenue exceeded expectations, reaching $95.88 million. Following the announcement, the stock declined by 2.17% in pre-market trading, yet the company boasts improved profitability, strong net interest margin, and increased dividends after strategic acquisitions.
Old Second National Bank Completes Integration of Evergreen Bank Group, Expanding Access and Services for Customers
Old Second National Bank has successfully completed the integration of Evergreen Bank Group, marking the final step in its recent acquisition. All former Evergreen branches are now operating under the Old Second National Bank name, providing customers with expanded access and enhanced digital services across 55 Chicagoland locations. This integration underscores Old Second's 154 years of growth and commitment to community-centered service.
