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Old Second Bancorp, Inc. (OSBC)

Financial Services | Banks - Regional | Aurora, United States | NasdaqGS
24.80 USD -0.04 (-0.161%) ⇩ (Oct. 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 7:49 a.m. EDT

The long-term investment case is exceptionally strong, driven by a robust multi-year price trajectory that has climbed over 100% while maintaining consistent year-over-year gains. Fundamentally, the bank demonstrates superior health with double-digit revenue growth, expanding profit margins, and a clean balance sheet evidenced by a low payout ratio and shrinking nonperforming loans. While the current dividend yield is modest, it is sustainable and growing, reflecting the company's focus on reinvestment rather than income distribution. On the short end, momentum is building as the stock trades above its key moving averages, supported by a moderate statistical forecast pointing to further upside. The options market reinforces this bullish sentiment, with traders placing significant bets on continued appreciation well into next year.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.036010
AutoTheta0.040833
AutoETS0.073991
MSTL0.079563

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 58%
H-stat 0.54
Ljung-Box p 0.000
Jarque-Bera p 0.313
Excess Kurtosis -0.88
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-30
Last Dividend Date 2026-07-30
Revenue per Share 6.528
Market Cap 1,261,717,760
Trailing P/E 14.09
Forward P/E 10.15
Beta 0.77
Profit Margins 27.07%
Website https://www.oldsecond.com

As of Oct. 10, 2026, 7:49 a.m. EDT: Speculator positioning is overwhelmingly bullish, with heavy open interest concentrated in out-of-the-money calls for the March 2027 expiration, suggesting a bet on significant appreciation over the medium term. Near-term expirations show minimal hedging activity, indicating traders are not currently worried about immediate downside risks.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.28% 1.36% 1.38% 1.39%
Dividend History
Date Dividend Yield %
2026-07-31 0.070000 0.276789
2026-05-01 0.070000 0.336700
2026-01-30 0.070000 0.352823
2025-10-31 0.070000 0.389972
2025-07-25 0.060000 0.336134
2025-04-25 0.060000 0.385356
2025-01-31 0.060000 0.319319
2024-10-25 0.060000 0.366972
2024-07-26 0.050000 0.292398
2024-04-25 0.050000 0.353857
2024-01-25 0.050000 0.350877
2023-10-26 0.050000 0.367377
2023-07-27 0.050000 0.314465
2023-04-27 0.050000 0.401284
2023-01-26 0.050000 0.308642
2022-10-27 0.050000 0.329815
2022-07-28 0.050000 0.352113
2022-04-28 0.050000 0.356633
2022-01-27 0.050000 0.375094
2021-10-28 0.050000 0.373134
2021-07-29 0.050000 0.421941
2021-04-29 0.050000 0.373413
2021-01-28 0.010000 0.101729
2020-10-29 0.010000 0.110254
2020-07-30 0.010000 0.118064
2020-04-30 0.010000 0.121507
2020-01-30 0.010000 0.080321
2019-10-24 0.010000 0.081301
2019-07-25 0.010000 0.076394
2019-04-25 0.010000 0.078555
2019-01-24 0.010000 0.074405
2018-10-25 0.010000 0.072359
2018-07-26 0.010000 0.064309
2018-04-26 0.010000 0.070423
2018-01-25 0.010000 0.069204
2017-10-26 0.010000 0.070922
2017-07-26 0.010000 0.086207
2017-04-26 0.010000 0.083333
2017-01-25 0.010000 0.096618
2016-10-26 0.010000 0.125000
2016-07-27 0.010000 0.137931
2016-04-27 0.010000 0.135135
2010-06-23 0.010000 0.314465
2010-03-24 0.010000 0.154560
2009-12-23 0.010000 0.166113
2009-09-23 0.010000 0.187266
2009-06-24 0.040000 0.597907
2009-03-25 0.040000 0.573888
2008-12-23 0.160000 1.296596
2008-09-24 0.160000 0.846561
2008-06-25 0.160000 1.121233
2008-03-26 0.150000 0.528541
2007-12-26 0.150000 0.534759
2007-09-26 0.150000 0.512821
2007-06-27 0.150000 0.503187
2007-03-28 0.140000 0.515464
2006-12-27 0.140000 0.472016
2006-09-27 0.140000 0.459770
2006-06-28 0.140000 0.456770
2006-03-29 0.130000 0.399508
2005-12-28 0.130000 0.419355
2005-09-28 0.130000 0.445969
2005-06-29 0.130000 0.444596
2005-03-22 0.120000 0.387847
2004-12-29 0.120000 0.372671
2004-09-28 0.120000 0.446097
2004-06-23 0.120000 0.479712
2004-03-24 0.100000 0.388878
2003-12-23 0.100000 0.400320
2003-09-24 0.100000 0.464576
2003-06-26 0.100000 0.481928
2003-03-26 0.100000 0.524109
2002-12-24 0.100000 0.516929
2002-09-25 0.100000 0.517197
2002-06-26 0.100000 0.575540
2002-03-26 0.075000 0.502513
2001-12-26 0.093750 0.628931
2001-09-21 0.075000 0.601504
2001-06-21 0.075000 0.621891
2001-03-27 0.056250 0.576923
2000-12-27 0.056250 0.645161
2000-09-22 0.056250 0.633245
2000-06-22 0.056250 0.697674
2000-03-24 0.056250 0.681818
1999-12-21 0.056250 0.549199
1999-09-20 0.056250 0.535714
1999-06-17 0.056250 0.563380
1999-03-18 0.046875 0.471698
1998-12-17 0.046875 0.467290
1998-09-17 0.046875 0.490196
1998-06-18 0.030000 0.258065
1998-03-19 0.030000 0.252964
1997-12-18 0.030000 0.253968
1997-09-18 0.030000 0.310680
1997-06-19 0.030000 0.342246
1997-03-19 0.030000 0.336842
1996-12-19 0.030000 0.392638
1996-09-19 0.030000 0.405063
1996-06-19 0.030000 0.412903
1996-03-20 0.030000 0.444444
1995-12-20 0.030000 0.444444
1995-09-21 0.030000 0.454545
1995-06-21 0.030000 0.526316
1995-03-20 0.030000 0.526316
1994-12-19 0.045000 0.882353
1994-09-19 0.030000 0.465116
1994-06-20 0.030000 0.465116
1994-03-15 0.030000 0.487805
1993-12-22 0.030000 0.503145
Additional Data
dividendYield 1.13
exDividendDate 2026-07-31
trailingAnnualDividendRate 0.27
trailingAnnualDividendYield 0.010869565
lastDividendValue 0.07
lastDividendDate 2026-07-31
dividendDate 2026-08-10

Info Dump

Attribute Value
52 Week Change 0.38230383
Address1 37 South River Street
All Time High 35.31
All Time Low 0.69
Ask 31.62
Ask Size 2
Audit Risk 5
Average Analyst Rating 1.7 - Buy
Average Daily Volume10 Day 627,470
Average Daily Volume3 Month 474,229
Average Volume 474,229
Average Volume10Days 627,470
Beta 0.77
Bid 17.93
Bid Size 2
Board Risk 6
Book Value 17.723
City Aurora
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 24.8
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 25.09
Day Low 24.66
Display Name Old Second Bancorp
Dividend Date 1,786,320,000
Dividend Yield 1.13
Earnings Call Timestamp End 1,792,699,200
Earnings Call Timestamp Start 1,792,699,200
Earnings Growth 0.125
Earnings Quarterly Growth 0.291
Earnings Timestamp 1,792,612,800
Earnings Timestamp End 1,792,612,800
Earnings Timestamp Start 1,792,612,800
Ebitda Margins 0.0
Enterprise To Revenue 4.639
Enterprise Value 1,583,678,720
Eps Current Year 2.21167
Eps Forward 2.44333
Eps Trailing Twelve Months 1.76
Esg Populated 0
Ex Dividend Date 1,785,456,000
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 630 566 3494
Fifty Day Average 25.2296
Fifty Day Average Change -0.42960167
Fifty Day Average Change Percent -0.017027684
Fifty Two Week Change Percent 38.230385
Fifty Two Week High 26.06
Fifty Two Week High Change -1.2600002
Fifty Two Week High Change Percent -0.048349973
Fifty Two Week Low 16.65
Fifty Two Week Low Change 8.15
Fifty Two Week Low Change Percent 0.48948947
Fifty Two Week Range 16.65 - 26.06
Financial Currency USD
First Trade Date Milliseconds 753,460,200,000
Five Year Avg Dividend Yield 1.31
Float Shares 49,183,590
Forward Eps 2.44333
Forward P E 10.150082
Full Exchange Name NasdaqGS
Full Time Employees 1,062
Fullday Change -0.040000916
Fullday Change Percent -0.16103429
Fullday Price 24.8
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 341,369,984
Has Pre Post Market Data 1
Held Percent Insiders 0.043319996
Held Percent Institutions 0.79001
Implied Shares Outstanding 50,875,716
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website https://www.snl.com/irweblinkx/corporateprofile.aspx?iid=100625
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,785,456,000
Last Dividend Value 0.07
Last Fiscal Year End 1,767,139,200
Last Split Date 1,091,059,200
Last Split Factor 2:1
Long Business Summary Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.
Long Name Old Second Bancorp, Inc.
Market us_market
Market Cap 1,261,717,760
Market State PRE
Max Age 86,400
Message Board Id finmb_338640
Most Recent Quarter 1,782,777,600
Net Income To Common 92,422,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,248,490,070
Number Of Analyst Opinions 6
Open 25.01
Operating Cashflow 145,704,992
Operating Margins 0.44692
Overall Risk 4
Payout Ratio 0.1534
Peg Ratio 1.51
Phone 630 892 0202
Previous Close 24.84
Price Eps Current Year 11.213246
Price Hint 2
Price To Book 1.3993117
Price To Sales Trailing12 Months 3.6960418
Profit Margins 0.27074
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.66667
Region US
Regular Market Change -0.0400009
Regular Market Change Percent -0.161034
Regular Market Day High 25.09
Regular Market Day Low 24.66
Regular Market Day Range 24.66 - 25.09
Regular Market Open 25.01
Regular Market Previous Close 24.84
Regular Market Price 24.8
Regular Market Time 1,791,921,600
Regular Market Volume 661,557
Return On Assets 0.0147
Return On Equity 0.11399999
Revenue Growth 0.227
Revenue Per Share 6.528
Sand P52 Week Change 0.17502642
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 50,875,716
Shares Percent Shares Out 0.054
Shares Short 2,745,379
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 2,002,571
Short Name Old Second Bancorp, Inc.
Short Percent Of Float 0.055999998
Short Ratio 5.73
Source Interval 15
State IL
Symbol OSBC
Target High Price 30.0
Target Low Price 25.0
Target Mean Price 28.33333
Target Median Price 29.0
Total Cash 147,188,992
Total Cash Per Share 2.893
Total Debt 469,150,016
Total Revenue 341,369,984
Tradeable 0
Trailing Annual Dividend Rate 0.27
Trailing Annual Dividend Yield 0.010869565
Trailing Eps 1.76
Trailing P E 14.090909
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 22.16205
Two Hundred Day Average Change 2.637949
Two Hundred Day Average Change Percent 0.119030006
Type Disp Equity
Volume 661,557
Website https://www.oldsecond.com
Zip 60,507