Old Second Bancorp, Inc.
OSBCFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
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Daily timeframePart of the financial services sector, Old Second Bancorp, Inc. (OSBC) is listed under Banks - Regional. With a market capitalization of $1.22B, it sits in small-cap territory. 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
$1.22B
Beta
0.70
P/E (TTM)
14.33
P/E (Fwd)
10.29
EPS (TTM)
$1.65
EPS (Fwd)
$2.30
ROE
10.8%
ROA
1.4%
Cash
$119.8M
Total Debt
$324.1M
Free CF
—
52W Change
26.8%
Annual Financials
Cash vs Debt
On the balance sheet, OSBC has $119.8M in cash with $324.1M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. 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.
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. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Old Second Bancorp, Inc.'s trajectory.