Old Second Bancorp, Inc.
OSBCFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Old Second Bancorp, Inc. focuses on Banks - Regional services and products. Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. Valued at $1.10B, OSBC is a small-cap name in its sector. 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
$1.10B
Beta
0.71
P/E (TTM)
12.79
P/E (Fwd)
9.30
EPS (TTM)
$1.67
EPS (Fwd)
$2.30
ROE
10.8%
ROA
1.4%
Cash
$119.8M
Total Debt
$324.1M
Free CF
—
52W Change
30.6%
Annual Financials
Cash vs Debt
The company holds $119.8M in cash, though total debt stands at $324.1M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 10.8%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.4% 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. No single metric tells the full story. Reviewing OSBC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.