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Old Second Bancorp, Inc. (OSBC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Old Second Bancorp, Inc.

OSBCMarket cap $1.27BPrice $25.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Illinois, offering loans, deposits, and wealth management to small businesses and consumers. Its stock has quietly outperformed many bigger regional banks by sticking to old-school local lending instead of chasing risky growth.

In Bastion Portfolios?

52W Return+48%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+9%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1+36%9

EPS Growth Y+2+5%5

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%5

Net Income Margin27%9

Free Cash Flow Margin42%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE11%5

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV1.48

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%8

Dividend Yield1.1%3

Momentum

Short term

1 month return-3%6

3 month return+9%8

YTD return+30%8

Mid term

Price vs 52wHigh96%10

1 year return+47%9

Long term

3 year return+89%7

5 year return+100%7

Risk Shield

Price Risk

Beta0.85

Volatility25%8

Free Cash Flow

Free Cash Flow Margin42%10

Free Cash Flow Yield0.0%8

Quality

ROCE14%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

OSBCOld Second Bancorp

Revenue FY25$311M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+36%9

EPS growth, FY27E+5%5

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 5%/yr).

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 9%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG87 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return+9%8

YTD return+30%8

MID & LONG-TERM▾SCORE

% of 52-week high96%10

1-year return+47%9

3-year return+89%7

5-year return+100%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +89% over three years and +100% over five, ahead of 60% of the market.

It's up 47% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+9%) and so far this year (+30%).

WATCH

Returns sit at the market level over the past month (-3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Old Second Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

OSBCOld Second Bancorp

Revenue FY25$311M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+36%9

EPS growth, FY27E+5%5

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 5%/yr).

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 9%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG87 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return+9%8

YTD return+30%8

MID & LONG-TERM▾SCORE

% of 52-week high96%10

1-year return+47%9

3-year return+89%7

5-year return+100%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +89% over three years and +100% over five, ahead of 60% of the market.

It's up 47% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+9%) and so far this year (+30%).

WATCH

Returns sit at the market level over the past month (-3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Old Second Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community