Old Second Bancorp Inc (OSBC) Stock Price & Analysis
Old Second Bancorp Inc (OSBC) rose 2.21% to USD 24.03 as of July 25, 2026 at 05:10 UTC, according to Nexqual real-time market data.
OSBC last closed at USD 23.51; the session ranged USD 23.63–24.21 on volume of 474,559 shares. Market capitalization is $1.24B, with a 52-week range of USD 16.43–24.21 (NMS). Source: Nexqual, July 25, 2026 at 05:10 UTC.
Key Statistics (as of July 25, 2026 at 05:10 UTC)
| Price | USD 24.03 |
|---|---|
| Change | ▲ 2.21% (up) |
| Previous Close | USD 23.51 |
| Open | USD 23.63 |
| Day Range | USD 23.63 – 24.21 |
| 52-Week Range | USD 16.43 – 24.21 |
| Volume | 474,559 shares |
| Market Cap | $1.24B |
| Exchange | NMS |
Technical Analysis (OSBC)
Nexqual's technical model rates OSBC "BUY" based on 5 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 05:10 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 67.43 (neutral) |
| vs SMA50 | Above (USD 22.26) |
| MACD | 0.4 (positive) |
Analyst Ratings (OSBC)
Wall Street analysts rate OSBC "Buy" based on 6 analysts, with a mean price target of USD 25.5 (range USD 24–27), per Nexqual as of July 25, 2026 at 05:10 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 25.5 |
| High Target | USD 27 |
| Low Target | USD 24 |
| Buy / Hold / Sell | 5 / 1 / 0 |
Earnings (OSBC)
| Next Earnings Date | 2026-10-21 |
|---|---|
| EPS Estimate | USD 0.57 |
| Revenue Estimate | $83.51M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.55 vs est 0.55 ▲ beat |
| 2026-03-31 | USD 0.49 vs est 0.51 ▼ miss |
| 2025-12-31 | USD 0.58 vs est 0.54 ▲ beat |
| 2025-09-30 | USD 0.53 vs est 0.51 ▲ beat |
Source: Nexqual, July 25, 2026 at 05:10 UTC.
Financials & Fundamentals (OSBC)
| Total Revenue | $341.37M |
|---|---|
| Revenue Growth (YoY) | +22.70% |
| Gross Margin | +0.00% |
| Operating Margin | +44.69% |
| Profit Margin | +27.07% |
| ROE | +11.40% |
| Total Cash | $143.33M |
| Total Debt | $468.66M |
Source: Nexqual, July 25, 2026 at 05:10 UTC.
Financial Health Score (OSBC)
Nexqual rates Old Second Bancorp Inc's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 05:10 UTC.
| Growth | Strong — Revenue +21% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $143M cash vs $469M debt |
| Cash Flow | Mixed — No data |
| Efficiency | Mixed — ROE 11%, ROA 1.5% |
Ownership (OSBC)
| Insider Ownership | +4.57% |
|---|---|
| Institutional Ownership | +76.96% |
| Shares Outstanding | 51.43M |
| Float | 49.12M |
| Short % of Float | +3.97% |
Source: Nexqual, July 25, 2026 at 05:10 UTC.
Leadership (OSBC)
Old Second Bancorp Inc is led by James L. Eccher (age 60), President, CEO & Chairman of the Board, per Nexqual as of July 25, 2026 at 05:10 UTC.
| President, CEO & Chairman of the Board | James L. Eccher (age 60) |
|---|---|
| Executive VP, COO & CFO | Bradley S. Adams (age 51) |
| Director, EVP & President, Nat'l Specialty Lending, President, FreedomRoad Fin. & Performance Fin. | Darin P. Campbell (age 59) |
Major Backers & Investors (OSBC)
Notable institutional backers of Old Second Bancorp Inc include American Century Companies Inc, Davis Asset Management, L.P., Goldman Sachs, according to Nexqual as of July 25, 2026 at 05:10 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 5.97% |
| Davis Asset Management, L.P. | 3.5% |
| Goldman Sachs | 3.29% |
| FJ Capital Management LLC | 2.93% |
| Boston Partners | 2.81% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.21% |
| Vanguard Group | 8.66% |
| Dimensional Fund Advisors | 4.64% |
| State Street | 4.3% |
| Geode Capital | 2.49% |
Source: Nexqual, July 25, 2026 at 05:10 UTC.
From Old Second Bancorp Inc's Latest SEC 10-K Filing (filed 2026-02-26)
Key Strengths & Strategy (as disclosed to the SEC)
- Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States.
- The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts.
- It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| OVBC | Ohio Valley Banc Corp. | USD 42.14 | ▼ 1.75% |
| PEBO | Peoples Bancorp Inc. | USD 40.31 | ▲ 0.6% |
| OCFC | OceanFirst Financial Corp. | USD 19.56 | ▼ 0.56% |
| QCRH | QCR Holdings, Inc. | USD 100.15 | ▲ 4.01% |
| MBWM | Mercantile Bank Corporation | USD 58.5 | ▲ 1.21% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 05:10 UTC. This page is informational and not investment advice.