📊 OSBC Key Takeaways
Is Old Second Bancorp Inc. (OSBC) a Good Investment?
Old Second Bancorp demonstrates strong revenue growth of 21.2% YoY with exceptional free cash flow generation ($117.8M, 33.2% margin) and conservative leverage (0.07x D/E ratio). However, margin compression is concerning—net income declined 5.8% YoY and EPS fell 13.4% despite strong revenue growth, indicating rising costs or credit quality pressures that require clarification before upgrading conviction.
Why Buy Old Second Bancorp Inc. Stock? OSBC Key Strengths
- Strong revenue growth of 21.2% YoY indicating solid market positioning and benefit from rate environment
- Exceptional free cash flow conversion with $117.8M FCF and 33.2% FCF margin demonstrating high-quality earnings
- Conservative capital structure with Debt/Equity of only 0.07x and strong interest coverage of 10.1x
- Solid profitability with 30.3% operating margin and 22.6% net margin
OSBC Stock Risks: Old Second Bancorp Inc. Investment Risks
- Material margin compression: net income down 5.8% YoY despite 21.2% revenue growth indicates rising costs or potential credit deterioration
- EPS declined 13.4% YoY representing significant shareholder value erosion and earnings sustainability concerns
- Moderate ROE at 9.0% suggests capital efficiency below typical expectations for well-capitalized banks
- Community bank sector vulnerability to economic cycles, interest rate changes, and loan loss provisions
Key Metrics to Watch
- Net interest margin (NIM) trends and compression sources
- Non-performing loan ratio and loan loss provision adequacy
- Operating expense growth rate relative to revenue growth
- ROE pathway to 10-12% range
- Deposit stability and cost of deposits
Old Second Bancorp Inc. (OSBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 33.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
OSBC Profit Margin, ROE & Profitability Analysis
OSBC vs Finance Sector: How Old Second Bancorp Inc. Compares
How Old Second Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Old Second Bancorp Inc. Stock Overvalued? OSBC Valuation Analysis 2026
Based on fundamental analysis, Old Second Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Old Second Bancorp Inc. Balance Sheet: OSBC Debt, Cash & Liquidity
OSBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Old Second Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.02 reflects profitable operations.
OSBC Revenue Growth, EPS Growth & YoY Performance
Old Second Bancorp Inc. Dividends, Buybacks & Capital Allocation
OSBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Old Second Bancorp Inc. (CIK: 0000357173)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 6, 2026 | DEF 14A | osbc-20260519xdef14a.htm | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_010405.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_010433.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_010455.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/form4-04022026_010449.xml | View → |
❓ Frequently Asked Questions about OSBC
What is the AI rating for OSBC?
Old Second Bancorp Inc. (OSBC) has an AI rating of HOLD with 70% confidence, based on fundamental analysis of SEC EDGAR filings.
What are OSBC's key strengths?
Claude: Strong revenue growth of 21.2% YoY indicating solid market positioning and benefit from rate environment. Exceptional free cash flow conversion with $117.8M FCF and 33.2% FCF margin demonstrating high-quality earnings.
What are the risks of investing in OSBC?
Claude: Material margin compression: net income down 5.8% YoY despite 21.2% revenue growth indicates rising costs or potential credit deterioration. EPS declined 13.4% YoY representing significant shareholder value erosion and earnings sustainability concerns.
What is OSBC's revenue and growth?
Old Second Bancorp Inc. reported revenue of $355.2M.
Does OSBC pay dividends?
Old Second Bancorp Inc. pays dividends, with $12.2M distributed to shareholders in the trailing twelve months.
Where can I find OSBC SEC filings?
Official SEC filings for Old Second Bancorp Inc. (CIK: 0000357173) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OSBC's EPS?
Old Second Bancorp Inc. has a diluted EPS of $1.62.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is OSBC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Old Second Bancorp Inc. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is OSBC stock overvalued or undervalued?
Valuation metrics for OSBC: ROE of 9.0% (sector avg: 12%), net margin of 22.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy OSBC stock in 2026?
Our dual AI analysis gives Old Second Bancorp Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OSBC's free cash flow?
Old Second Bancorp Inc.'s operating cash flow is $122.3M, with capital expenditures of $4.5M. FCF margin is 33.2%.
How does OSBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.6% (avg: 25%), ROE 9.0% (avg: 12%), current ratio N/A (avg: 1.2).