Old Second Bancorp Inc (OSBC) stock
OSBCNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 15/3011% above fair value
$25.11+0.01 (+0.04%)
Close on Nov 12, 2026Market cap $1.28BP/E 11.8Yield 1.00%
Old Second Bancorp statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, after the close)
- Last ex-dividend date
- Oct 30, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.75
- 1.52
- P/OCF Ratio
- 7.32
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 3.06
- 2.95
- EV / FCF
- 6.81
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- 10.1%
- 0.35%
- Shares Change (QoQ)
- -2.99%
- 0.00%
- Float
- 49M
- 17M
- Shares Held by Insiders
- 3.52%
- 6.05%
- Shares Held by Institutions
- 76.3%
- 61.3%
Short sellingIndustry
- Short Interest
- 3M
- –
- Short Interest Change
- 4.95%
- -4.13%
- Short % of Float
- 6.50%
- 3.58%
- Short % of Shares Outstanding
- 6.27%
- 3.18%
- Days to Cover
- 5.19
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $26.05
- –
- 52-Week Low
- $17.61
- –
- 20-Day Moving Average
- $24.80
- –
- 50-Day Moving Average
- $24.91
- –
- 200-Day Moving Average
- $22.70
- –
- Average True Range (14)
- $0.61
- –
- Price Change (1 Week)
- 3.12%
- 0.51%
- Price Change (1 Month)
- 1.95%
- 4.83%
- Price Change (3 Months)
- -3.09%
- -3.58%
- Price Change (6 Months)
- 21.2%
- 10.8%
- Price Change (YTD)
- 28.8%
- 19.6%
- Price Change (1 Year)
- 36.2%
- 25.4%
- Price Change (3 Years)
- 83.0%
- 76.7%
- Price Change (5 Years)
- 82.5%
- 26.5%
- Price Change (10 Years)
- 187.0%
- 67.0%
- Average Volume (10 Days)
- 585,342
- –
- Average Volume (20 Days)
- 610,473
- –
- Average Volume (90 Days)
- 506,705
- –
- Relative Volume
- 0.69
- 0.67
- Relative Strength Index (14)
- 54.4
- 52.6
- Volatility (1 Year)
- 23.4%
- 24.4%
- Beta (5 Years)
- 0.60
- 0.63
MarginsIndustry
- Pretax Margin
- 39.2%
- 36.9%
- FCF Margin
- 44.9%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.8%
- 10.8%
- Return on Assets (ROA)
- 1.62%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 20.6%
- 11.8%
- Net Income Growth (YoY)
- 57.8%
- 22.7%
- EPS Growth (YoY)
- 40.4%
- 21.6%
- FCF Growth (YoY)
- 78.3%
- 27.5%
- Revenue Growth (3Y CAGR)
- 10.8%
- 5.82%
- Revenue Growth (5Y CAGR)
- 21.3%
- 6.17%
- EPS Growth (3Y CAGR)
- 2.83%
- 1.31%
- EPS Growth (5Y CAGR)
- 12.0%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.06
- 0.04
- Revenue Per Employee
- $360.35K
- $359.04K
- Profits Per Employee
- $104.98K
- $110.51K
- Employee Count
- 1,062
- 492
- WACC
- 7.86%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $149.92M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $108.10M
- $166.15M
- Net Cash Per Share
- $2.12
- $8.19
- Equity (Book Value)
- $878.55M
- $570.13M
- Book Value Per Share
- $17.27
- $28.22
- Tangible Book Value
- $729.16M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.93M
- -$4.27M
- FCF Per Share
- $3.37
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 8.73%
- 8.32%
- FCF Yield
- 13.4%
- 9.23%
- Dividend Yield
- 1.00%
- 2.44%
- Buyback Yield
- 6.24%
- 1.80%
- Shareholder Yield
- 7.24%
- 3.22%
- Dividend Per Share
- $0.25
- $0.92
- Dividend Growth (YoY)
- 19.0%
- 4.26%
- Years of Dividend Growth
- 2
- 2
- Payout Ratio
- 13.1%
- 29.0%
- FCF Payout Ratio
- 8.48%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $38.43M
- $16.14M
- Effective Tax Rate
- 25.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $28.70
- $45.31
- Graham Upside
- 14.3%
- 18.8%
- Altman Z-Score
- 0.31
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $25.40
- –
- Lynch Upside
- 1.16%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | OSBC | S&P 500 | Difference | OSBC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.4% | -2.7% | +4.1 pts | ||
| 3 months | -2.4% | -1.7% | −0.6 pts | ||
| Year to date | +30.4% | +11.9% | +18.6 pts | ||
| 1 year | +38.4% | +12.0% | +26.4 pts | ||
| 3 years | +90.7% | +78.2% | +12.5 pts | +24.0% | +21.2% |
| 5 years | +95.5% | +73.2% | +22.3 pts | +14.3% | +11.6% |
| 10 years | +215.6% | +309.6% | −94.0 pts | +12.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
3M OSBC shares were sold short on Oct 30, 2026, up 4.9% from the previous report, or 6.50% of the shares available to trade. At recent volumes it would take 5.2 days to buy them back. Over the last 20 sessions, 49.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 3,191,124 | +4.9% | 615,014 | 5.2 |
| Oct 15, 2026 | 3,040,735 | +10.8% | 633,680 | 4.8 |
| Sep 30, 2026 | 2,745,379 | +11.2% | 512,663 | 5.4 |
| Sep 15, 2026 | 2,469,231 | +23.3% | 435,557 | 5.7 |
| Aug 31, 2026 | 2,002,571 | +9.5% | 360,778 | 5.5 |
| Aug 14, 2026 | 1,828,676 | +7.1% | 421,465 | 4.3 |
| Jul 31, 2026 | 1,706,682 | -1.3% | 502,964 | 3.4 |
| Jul 15, 2026 | 1,729,893 | -12.2% | 342,807 | 5.0 |
| Jun 30, 2026 | 1,969,834 | +13.6% | 491,844 | 4.0 |
| Jun 15, 2026 | 1,734,571 | +1.3% | 297,374 | 5.8 |
| May 29, 2026 | 1,712,898 | +1.0% | 341,325 | 5.0 |
| May 15, 2026 | 1,696,205 | -4.3% | 370,015 | 4.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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