Old Second Bancorp, Inc.
OSBCFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
Scan Results
Daily timeframeOld Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. At a $1.24B market cap, Old Second Bancorp, Inc. ranks as a small-cap company within financial services. 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.
Market Cap
$1.24B
Beta
0.77
P/E (TTM)
11.42
P/E (Fwd)
10.22
EPS (TTM)
$2.14
EPS (Fwd)
$2.39
ROE
12.8%
ROA
1.6%
Cash
$108.1M
Total Debt
$490.4M
Free CF
—
52W Change
31.5%
Annual Financials
Cash vs Debt
Where OSBC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, OSBC finished 8.24% above its 150-day moving average ($22.95) and 11.84% above its 200-day moving average ($22.21). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is OSBC overbought or oversold?
At the October 20, 2026 close, OSBC's RSI(14) was 53.9, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $108.1M in cash, though total debt stands at $490.4M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 12.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.6% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $244.9M (2022) to $333.1M (2025), reflecting a 36% increase over the period.
As with any equity investment, OSBC carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Old Second Bancorp, Inc. and its sector.