Price
No data yet.
Social Signal Score
Analyst Ratings
6 analystsRevenue
$115.16M+306.14%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- James L. Eccher
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 1,062
- Beta
- 0.77
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- -0.43
Financials
Revenue
$115.16M+306.1%Net Income
$28.94M+476.7%EBITDA
$38.75M+350.8%Free Cash Flow
—EPS (diluted)
$0.56+229.4%Shares Outstanding (diluted)
51.15M+71.2%Operating Expenses
$39.99MCash & Debt
$1.13BReturn of Capital
$0.00Dividend per Share
$0.08Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $396.97M | $80.31M | $1.64 |
| 2024 | $336.17M | $85.26M | $1.90 |
| 2023 | $321.03M | $91.73M | $2.05 |
| 2022 | $255.24M | $67.41M | $1.51 |
| 2021 | $141.89M | $20.04M | $0.66 |
| 2020 | $139.51M | $27.82M | $0.94 |
| 2019 | $149.44M | $39.45M | $1.32 |
| 2018 | $136.99M | $34.01M | $1.14 |
| 2017 | $116.54M | $15.14M | $0.51 |
| 2016 | $100.50M | $15.68M | $0.53 |
| 2015 | $97.06M | $15.38M | $0.46 |
| 2014 | $95.75M | $10.14M | $0.46 |
| 2013 | $98.78M | $82.08M | $5.45 |
| 2012 | $110.75M | $-72.0K | $-0.36 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $2.24
- Implied price
- $26.89
- Return from $24.71
- 1.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $13.37 — -45.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -2.0% | -14.9% | -11.0% | -7.7% | -4.8% | -2.2% |
| 3.0% | -10.6% | -6.5% | -3.0% | 0.0% | 2.7% |
| 8.0% | -6.2% | -1.9% | 1.7% | 4.9% | 7.7% |
| 13.0% | -1.9% | 2.6% | 6.4% | 9.7% | 12.7% |
| 18.0% | 2.5% | 7.1% | 11.1% | 14.6% | 17.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70-8.70%Social Signal Score
Mentions (4)
- Newsseekingalpha.com·6h ago·Positive
Old Second Bancorp, Inc. (OSBC) Q3 2026 Earnings Call Transcript Old Second Bancorp, Inc. ( OSBC ) Q3 2026 Earnings Call October 22, 2026 10:00 AM EDT Company Participants James Eccher - President, CEO & Chairman of the Board Bradley Adams - Executive VP, COO & CFO Darin Campbell - Director, EVP & President, Nat'l Specialty Lending, President, FreedomRoad Fin. & Performance Fin.
View source ↗ - Newszacks.com·1d ago·Negative
Old Second Bancorp (OSBC) Misses Q3 Earnings and Revenue Estimates Old Second Bancorp (OSBC) came out with quarterly earnings of $0.55 per share, missing the Zacks Consensus Estimate of $0.59 per share. This compares to earnings of $0.53 per share a year ago.
View source ↗ - Newszacks.com·1d ago·Neutral
Old Second Bancorp (OSBC) Reports Q3 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Old Second Bancorp (OSBC) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
View source ↗ - Newszacks.com·13d ago·Positive
Old Second Bancorp (OSBC) Moves to Buy: Rationale Behind the Upgrade Old Second Bancorp (OSBC) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
View source ↗
Earnings
Wed, Jan 20(in 3 months)
Consensus estimate $0.60 per share
Typical surprise -2.2% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Oct 21$0.55 vs $0.58miss
- Wed, Jul 22$0.55 vs $0.55beat
- Wed, Apr 22$0.49 vs $0.51miss
- Wed, Jan 21$0.58 vs $0.53beat
- Wed, Oct 22$0.19 vs $0.51miss
- Wed, Jul 23$0.48 vs $0.49miss
Estimates and results for OSBC via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by OSBC officers and directors.
- Bought
- $502
- Sold
- $5.9m
1 trade
13 trades
- Collins Gary Ssold
- Mclean Hugh Hsold
- Collins Gary Ssold
- Mclean Hugh Hsold
- Campbell Darin Patricksold
- Eccher Jamessold
- Eccher Jamessold
- Collins Gary Ssold
86 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in OSBC.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.