Old Second Bancorp, Inc.
OSBCFinancial ServicesNASDAQBanks - Regional
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. The company carries a $1.30B market cap, placing it firmly in the small-cap category. 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
$1.30B
Beta
0.70
P/E (TTM)
14.76
P/E (Fwd)
10.70
EPS (TTM)
$1.73
EPS (Fwd)
$2.39
ROE
11.4%
ROA
1.5%
Cash
$147.2M
Total Debt
$469.2M
Free CF
—
52W Change
40.6%
Annual Financials
Cash vs Debt
Where OSBC stands vs its 150-day and 200-day moving averages
As of the August 17, 2026 close, OSBC finished 20.91% above its 150-day moving average ($21.43) and 24.33% above its 200-day moving average ($20.84). 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 August 17, 2026 close, OSBC's RSI(14) was 75.4, in overbought territory (above 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, OSBC has $147.2M in cash with $469.2M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 11.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.5% 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.
Investors considering Old Second Bancorp, Inc. should weigh the typical risks associated with OSBC's sector, size, and financial profile against their own risk tolerance and investment objectives. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Old Second Bancorp, Inc. and its sector.