Old Second Bancorp, Inc. (OSBC) fair value analysis
Nasdaq · Updated 2026-10-19
OSBC price how computed
Forward Fair Value verdict
OvervaluedOSBC is trading at a 10–25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $24.88
- Sector
- Financial Services
- 12-month range
- $17.67–$25.91
- Market cap
- $1.27B
- From 52-week high
- -4.0%
- Shares outstanding
- 50.9M
- Rank in Financial Services by discount to fair value
- #121 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
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.
OSBC currently ranks #121 of 167 Financial Services stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $1.27B
- P/E (trailing)
- 12x
- Revenue (TTM)
- $430M
- Net margin
- 21.5%
- EPS (TTM)
- $2.15
- Gross margin
- 100.0%
- Debt / equity
- 0.52
- Revenue growth (3-yr avg)
- 2.4%
- Shares outstanding
- 50.9M
Derived indicators how computed
- Quality grade
- C
- Margin trend
- Stable
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 51 · neutral
- 50-day average
- $25.15
- 200-day average
- $22.26
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $0.28 per share (4 payments)
- Yield on last price
- 1.13%
- Consecutive years of increases
- 2
- Last ex-dividend date
- 2026-07-31
- Last payment date
- 2026-08-10
Earnings how computed
- Last 8 quarters vs consensus
- 5 beat, 2 missed
- Quarter by quarter
- 2026-06 ▲ beat (+1.9%)
2026-03 ▼ miss (-3.9%)
2025-12 ▲ beat (+7.4%)
2025-09 ▲ beat (+3.9%)
2025-06 ▲ beat (+4.2%)
2025-03 ▬ met (0.0%)
2024-12 ▼ miss (-10.2%)
2024-09 ▲ beat (+8.5%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 5 buy · 1 hold · 0 sell (6 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $28.3
- Target vs last price
- +13.7%
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 $17.67–$25.91.
- The 14-day relative strength index sits at a neutral 51.
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
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent OSBC news
TickrTrends' derived news-sentiment signal for OSBC is currently leaning positive, computed from recent coverage.
- Old Second Bancorp, Inc. (OSBC) Q3 2026 Earnings Call Transcript (seekingalpha.com, 2026-10-22)
TickrTrends take: Old Second Bancorp operates in the Financial Services sector where valuation metrics are critical to assessing fair value relative to earnings power and asset quality. Given TickrTrends' current assessment that OSBC is overvalued, earnings call transcripts become an important tool for investors to evaluate whether management's commentary on loan growth, net interest margins, credit quality, and capital deployment justifies the current market price. Readers focused on valuation should monitor management's forward guidance on profitability and any changes in cost structure or loan loss provisions that could affect the company's intrinsic value relative to sector peers. - Old Second Bancorp (OSBC) Reports Q3 Net Interest Income Slightly Below Estimates (gurufocus.com, 2026-10-21)
TickrTrends take: Old Second Bancorp's Q3 net interest income coming in slightly below estimates suggests potential pressure on one of the key drivers of banking profitability at a time when TickrTrends already identifies the stock as overvalued. For a valuation-focused investor, this earnings miss is particularly relevant because net interest margin trends directly impact the earnings power that justifies any given stock price in the financial services sector. If OSBC continues to face headwinds on net interest income, the gap between current valuation and fundamental earning capacity could widen further. - Is Old Second Bancorp Inc (OSBC) Slightly Overvalued After Q3 Earnings Miss? GF Score: 78/100, EPS at $0.56, Revenue Declines to $97.1 Million (gurufocus.com, 2026-10-21)
TickrTrends take: Old Second Bancorp's Q3 earnings miss and revenue decline to 97 million dollars come at a time when TickrTrends has already assigned it an overvalued designation within the Financial Services sector. The earnings per share figure of 56 cents per share combined with the revenue contraction suggests that the valuation premium the market may be pricing in is not currently supported by the company's operational performance. Investors focused on valuation metrics should monitor whether subsequent quarters demonstrate a stabilization or recovery in revenue trends, as a continuation of declines could further justify the overvalued assessment.
More OSBC news
- DIMENSIONAL FUND ADVISORS LP Adds Old Second Bancorp Inc (OSBC) Shares -- Stock Looks 24% Overvalued on GF Value (gurufocus.com, 2026-10-15)
- OSBC Upgraded by Raymond James -- Price Target Raised to $30.00 (gurufocus.com, 2026-10-06)
- Director Hugh Mclean Sells 25,000 Shares of Old Second Bancorp Inc (OSBC) (gurufocus.com, 2026-09-04)
What people are saying
Follow the OSBC conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — OSBC's technical trend indicators shifted this week as the 50/200-day trend state moved from uptrend to mixed, suggesting a loss of momentum in the near term. The stock remains classified as overvalued based on current valuation metrics. This combination of weakening trend signals and elevated valuation levels reflects changing market conditions for the Financial Services company.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is OSBC stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), 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 #121 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is OSBC overbought or oversold?
OSBC's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does OSBC pay a dividend?
Yes. OSBC paid $0.28 per share over the last twelve months (4 payments), a 1.13% yield on TickrTrends' last price, and has raised the annual total for 2 consecutive years. The last ex-dividend date was 2026-07-31.
Does OSBC usually beat earnings estimates?
Over its last 8 reported quarters OSBC beat the consensus estimate 5 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about OSBC?
Of 6 analysts covering OSBC, 5 rate it a buy, 1 a hold and 0 a sell - buy-leaning, with a consensus price target of $28.3 (+13.7% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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