Old Second Bancorp, Inc. (OSBC) fair value analysis

Nasdaq · Updated 2026-09-07

Old Second Bancorp, Inc. is a bank holding company that provides community banking services including deposit products, lending, and other financial services to individuals and businesses. The company operates primarily through its subsidiary bank in the Chicago metropolitan area and surrounding regions.

Forward Fair Value verdict

Overvalued

Based on TickrTrends' weekly Forward Fair Value model, OSBC is trading at a 10–25% premium to estimated fair value.

OSBC currently ranks #123 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Overvalued for 3 consecutive weekly runs.

Last price: $25.78
Sector: Financial Services
12-month range: $17.13–$25.78

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: C-
Leverage: Low
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

What our data shows for OSBC

Our model validated 17 trailing price-to-earnings windows for OSBC, built from quarterly earnings records.
Shares are trading in the upper third of their 12-month price range of $17.13–$25.78.
The 14-day relative strength index sits at a neutral 52.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for OSBC
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent OSBC news

TickrTrends' derived news-sentiment signal for OSBC is currently leaning positive, computed from recent coverage.

Director Hugh Mclean Sells 25,000 Shares of Old Second Bancorp Inc (OSBC) (gurufocus.com, 2026-09-04)
TickrTrends take: Director Hugh Mclean's sale of 25,000 shares occurs while TickrTrends currently assesses OSBC as overvalued within the Financial Services sector, suggesting insider selling activity may align with current valuation concerns. Valuation-focused investors should monitor whether additional insider transactions emerge, as such selling patterns can sometimes precede broader market reassessments of a company's fair value. In a sector where valuation metrics already signal overpricing according to current analysis, insider disposition activity warrants attention as a potential indicator of management's own capital allocation decisions relative to perceived value.
Old Second Bancorp, Inc. (OSBC) Q2 2026 Earnings Call Transcript (seekingalpha.com, 2026-07-23)
TickrTrends take: Old Second Bancorp operates in the Financial Services sector and is currently assessed as overvalued according to TickrTrends' valuation metrics. With Q2 2026 earnings now available for review, investors focused on valuation should examine whether the company's financial performance and forward guidance support or challenge the current overvalued assessment. Key metrics such as net interest margin trends, loan growth, and deposit dynamics would be particularly relevant for determining if the company's fundamentals justify the existing valuation premium.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is OSBC stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), OSBC is trading at a 10–25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.

What is OSBC's TickrTrends verdict?

OSBC's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.

How does OSBC compare to other Financial Services stocks?

OSBC ranks #123 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is OSBC overbought or oversold?

OSBC's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

OSBC vs BEN · OSBC vs CFG · OSBC vs FBNC · OSBC vs FFBC · OSBC vs MPB