OSBC
Financial ServicesOld Second Bancorp, Inc. · Banks - Regional · $1B
What is Old Second Bancorp, Inc.?
Old Second Bancorp is the holding company for Old Second National Bank, a community-focused institution headquartered in Aurora, Illinois. It serves individuals, businesses, and agricultural customers across its local markets.
Old Second National Bank generates revenue primarily through traditional community banking — taking deposits and extending loans across commercial, real estate, consumer, and agricultural categories. Fee-based services such as trust and wealth management, corporate cash management, and online banking round out the business. The bank also invests in U.S. Treasury securities and offers a broad suite of deposit products to retain and grow its customer base.
Old Second Bancorp was incorporated in 1993 and is headquartered in Aurora, Illinois.
- Commercial and commercial real estate loans
- Residential mortgage and home equity products
- Trust, wealth management, and custodial services
- Corporate cash management and digital banking tools
Is OSBC a Good Stock to Buy?
UQS Score rates OSBC as Good overall, reflecting a balanced but nuanced picture for a small community bank.
The Quality pillar comes in at a Good level, suggesting the bank maintains reasonable earnings consistency relative to its size. Valuation is rated Attractive, meaning the stock does not appear richly priced compared to fundamentals — a meaningful consideration for value-oriented investors.
Both the Moat and Risk pillars register as Weak, indicating limited competitive differentiation and above-average exposure to factors such as credit risk and interest rate sensitivity common in community banking.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does OSBC pay dividends?
Yes — Old Second Bancorp, Inc. pays a dividend.
Old Second Bancorp pays a regular dividend, consistent with many community banks that return capital to shareholders as a core part of their investor proposition. The dividend reflects the bank's relatively stable deposit-funded earnings model. Income-focused investors should verify the current yield and payout cadence directly through the company's investor relations page.
When does OSBC report earnings?
Old Second Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Community banks like Old Second tend to see earnings move with net interest margin trends, loan growth, and credit quality — all of which shift with the broader interest rate environment. The Growth pillar sits at Neutral, suggesting performance has been steady rather than accelerating.
For the most recent quarter's results, visit Old Second Bancorp's investor relations page directly.
OSBC Price History
+64.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Old Second Bancorp, Inc.?
Based on Old Second Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
OSBC Long-term Outlook
Old Second Bancorp's fundamental outlook reflects the characteristics of a stable but modestly growing community bank. The Neutral Growth pillar points to an institution maintaining its footing rather than expanding rapidly. Meanwhile, the Weak Risk pillar highlights that credit quality and interest rate sensitivity remain meaningful variables to monitor. The Attractive Valuation label suggests the market has not priced in a premium, which may appeal to patient, fundamentals-driven investors.
Growth drivers
- Loan portfolio expansion in commercial and agricultural segments
- Fee income growth from trust, wealth management, and cash management services
- Stable deposit base supporting net interest income in a normalized rate environment
Key risks
- Interest rate sensitivity affecting net interest margin
- Credit risk concentration in a regional loan book
- Limited competitive moat relative to larger regional and national banks
OSBC vs Peers
Old Second Bancorp competes in the community and regional banking space alongside several similarly sized institutions.
Preferred Bank focuses on serving Chinese-American business communities in California, giving it a distinct niche deposit and lending base compared to Old Second's Midwest community focus.
Community Trust Bancorp operates across Kentucky, West Virginia, and Tennessee, sharing a similar community banking model but with a broader multi-state footprint.
OceanFirst operates primarily along the New Jersey and Mid-Atlantic coast, differentiating through a larger balance sheet and a more suburban coastal market orientation.
Frequently Asked Questions
What does Old Second Bancorp do?
Old Second Bancorp is the holding company for Old Second National Bank, which provides community banking services in Illinois. It offers deposit accounts, commercial and consumer loans, residential mortgages, trust and wealth management, and corporate cash management products to individuals, businesses, and agricultural customers.
Does OSBC pay dividends?
Yes, Old Second Bancorp pays a regular dividend. This is consistent with many community banks that distribute a portion of earnings to shareholders. For the current dividend amount and schedule, check the company's investor relations page directly.
When does OSBC report earnings?
Old Second Bancorp follows a quarterly earnings reporting cadence, standard for US-listed bank holding companies. For the exact timing of upcoming results, refer to the company's investor relations page or financial calendar.
Is OSBC a good stock to buy?
UQS Score rates OSBC as Good overall. The Valuation pillar is Attractive and Quality is Good, but the Moat and Risk pillars are both Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is OSBC overvalued?
Based on the UQS Valuation pillar, OSBC is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. Community banks can appear inexpensive on traditional metrics, but valuation should always be considered alongside risk and growth factors.
How does OSBC compare to its competitors?
Old Second Bancorp competes with other community and regional banks such as Preferred Bank (PFBC), Community Trust Bancorp (CTBI), and OceanFirst Financial (OCFC). Each operates in different regional markets with varying business mixes. UQS Pro members can view side-by-side pillar comparisons across these peers.
What is OSBC's market cap bracket?
Old Second Bancorp is classified as a small-cap stock. This places it in a segment of the market that can offer value opportunities but may also carry lower liquidity and higher volatility compared to large-cap financial institutions.
Who founded Old Second Bancorp?
Old Second Bancorp was incorporated in 1993 as the holding company for Old Second National Bank, which has deeper roots as a community banking institution in the Aurora, Illinois area. Detailed founding history is available through the company's official website.
Is OSBC a long-term quality investment?
As a long-term quality indicator, OSBC's Good overall UQS Score reflects reasonable earnings quality and an attractive valuation, but the Weak Moat and Risk pillars suggest limited durable competitive advantages. Long-term investors should weigh these factors carefully alongside their own time horizon.
What is the main competitive advantage of Old Second Bancorp?
Old Second Bancorp's primary advantage lies in its established community relationships and local market presence in the Aurora, Illinois region. However, the UQS Moat pillar rates this as Weak, indicating that these advantages may not be strongly differentiated from other community banks competing for the same customers.
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Pro Analysis
OSBC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 52.1 | 75.4 | 20.0 | 43.6 | 36.5 | 93.6 | +0.1 |
| May 15, 2026 | 52.0 | 75.4 | 20.0 | 43.6 | 36.5 | 93.3 | 0.0 |
| May 14, 2026 | 52.0 | 75.4 | 20.0 | 43.6 | 36.5 | 93.4 | -0.1 |
| May 12, 2026 | 52.1 | 75.4 | 20.0 | 43.6 | 36.5 | 93.8 | +0.2 |
| May 7, 2026 | 51.9 | 75.3 | 20.0 | 43.6 | 36.2 | 92.7 | +0.1 |
| May 1, 2026 | 51.8 | 75.3 | 20.0 | 43.6 | 36.2 | 92.3 | -0.1 |
| Apr 25, 2026 | 51.9 | 75.3 | 20.0 | 43.9 | 36.2 | 92.3 | 0.0 |
| Apr 19, 2026 | 51.9 | 75.3 | 20.0 | 44.0 | 36.2 | 92.3 | 0.0 |
| Apr 18, 2026 | 51.9 | 75.3 | 20.0 | 44.0 | 36.2 | 92.4 | -1.1 |
| Apr 9, 2026 | 53.0 | 75.3 | 20.0 | 44.0 | 36.2 | 100.0 | 0.0 |
OSBC — Pillar Breakdown
Quality
— 75.4/100 (25%)Old Second Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 43.6/100 (20%)Old Second Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.5/100 (15%)Old Second Bancorp, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.6/100 (15%)Old Second Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Old Second Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for OSBC.
Score Composition
Financial Data
More Stock Analysis
How is the OSBC UQS Score Calculated?
The UQS (Unified Quality Score) for Old Second Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Old Second Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Old Second Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.