Old Second Bancorp, Inc. (OSBC)
Financials · NMS · US
Price as at 30 Sept 2026, 22:50 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Old Second Bancorp, Inc. trades at $24.49, which is 92% below the $47.14 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 44 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 14.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
OSBC dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.210 | 3 |
| 2025 | $0.250 | 4 |
| 2024 | $0.210 | 4 |
| 2023 | $0.200 | 4 |
| 2022 | $0.200 | 4 |
| 2021 | $0.160 | 4 |
| 2020 | $0.040 | 4 |
| 2019 | $0.040 | 4 |
| 2018 | $0.040 | 4 |
| 2017 | $0.040 | 4 |
| 2016 | $0.030 | 3 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
OSBC earnings and analyst estimates
Recommendation mix, 6 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Old Second Bancorp, Inc.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
OSBC passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
7 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$9.01M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$7.09M · 0.0% of book
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$4.91M · 0.0% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$4.68M · 0.0% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$2.67M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
OSBC peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Old Second Bancorp, Inc. (OSBC) undervalued?
Against our fair value estimate of $47.14, OSBC at $24.49 is 92% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own OSBC?
7 of the institutions we track reported a position in OSBC in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is OSBC's P/E ratio?
OSBC trades at 14.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Old Second Bancorp, Inc. (OSBC) pay a dividend?
Yes. Old Second Bancorp, Inc. yields 1.14% at the current share price. It has paid $0.280 per share over the trailing twelve months. It has paid a dividend in each of the last 10 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does OSBC report earnings next?
Old Second Bancorp, Inc. is scheduled to report on 21 Oct 2026. Companies move earnings dates, so read it as scheduled rather than certain.
Where does SteadyShares get its OSBC data?
Fundamentals for OSBC come from company filings and exchange data, as listed on NMS; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 30 Sept 2026, 22:50 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for OSBC, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.