Old Second Bancorp Inc. Common Stock (OSBC)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Old Second Bancorp as a classic small regional bank: relationship deposits, commercial and real estate lending, 1,062 employees, and a $1.3B market cap. At the 2026-10-13 close of $24.80, FairStock calculates a 14.09 P/E, 1.40 P/B, and 11.40% ROE. That ROE is respectable but not franchise-level, and paying 1.40 times book does not give me an obvious margin of safety. The quarterlies show a rebound: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $28.2M and diluted EPS $0.54; in fiscal Q1 2026, the quarter ended 2026-03-31, net income was $25.6M and diluted EPS $0.48. But the annual record is uneven: FY2023 net income $91.7M and EPS $2.02, FY2024 $85.3M and $1.87, FY2025 $80.3M and $1.62. So the computed Lynch STALWART label—steady profit growth of 23.6% a year over five years—clashes with the latest three annual filings, which show erosion. Earnings are also volatile: fiscal Q3 2025, the quarter ended 2025-09-30, produced just $9.9M of net income and $0.18 diluted EPS. A 6/9 Piotroski F-Score and 71/100 FairStock Score suggest okay, not exceptional, fundamentals. CET1 capital, net interest margin, credit quality, and loan-loss reserves are not in the data; combined ratio is not applicable to a bank. Until I can see those, the low beta and 1.13% dividend yield are small comforts. It looks fairly priced, not compelling.

In plain English: Old Second Bancorp is a bank holding company for Old Second National Bank, which takes deposits and makes loans to customers in the United States. The business looks decently profitable, and its most recent quarter was stronger than a year earlier, but full-year profits have slipped over the past few years. At $24.80, the stock price looks roughly fair compared with the company's profits and assets—not a clear bargain, but not clearly expensive either.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer