Stocks · Financial Services · Banks - Regional
Old Second Bancorp, Inc. OSBC
$24.95 +1.30% Close, Oct 2, 2026 · NASDAQ · Market cap $1.28B
Strong trend
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 14.0% in a year.
- Net debt is 3.1× EBITDA, a high level of leverage.
- Revenue over the last four quarters was $429.9M, up 27.3% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth64Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 15%
- EPS growth (TTM, YoY)Bottom 26%
- FCF growth (TTM, YoY)Top 41%
- Revenue growth, 3-year CAGRTop 46%
- Revenue growth accelerationTop 40%
Quality78Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 49%
- Gross marginTop 16%
- Operating marginTop 30%
- Cash conversion (OCF / net income)Top 27%
- Accruals (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Bottom 34%
- Interest coverTop 34%
Value52Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 47%
- Free-cash-flow yieldTop 30%
- EBITDA / enterprise valueTop 41%
- Sales / enterprise valueBottom 36%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum90Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 8%
- 6-month returnTop 19%
- 1-year return vs S&P 500Top 10%
- Distance from 52-week highTop 20%
- Trend checklist (0–4)Top 48%
Revisions44Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 13%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 9%
- Upside to consensus price targetBottom 39%
Stability51Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 27%
- Maximum drawdown, 3 yearsTop 39%
- Beta vs S&P 500 (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Bottom 34%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 26.7% | 27.3% | ↑ |
| EPS growth (YoY) | -8.2% | -4.9% | ↑ |
| Gross margin | 81.9% | 79.8% | ↓ |
| Operating margin | 32.8% | 29.6% | ↓ |
| FCF margin | 32.6% | 32.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 27.3% | 26.7% | ↑ | Top 15% |
| EPS growth (TTM, YoY) | -4.9% | -8.2% | ↑ | Bottom 26% |
| Gross margin | 79.8% | 81.9% | ↓ | Top 16% |
| Operating margin | 29.6% | 32.8% | ↓ | Top 30% |
| Net margin | 21.5% | 24.8% | ↓ | — |
| Free-cash-flow margin | 32.9% | 32.6% | ↑ | — |
| Return on invested capital | 1.4% | — | Top 49% | |
| Revenue growth, 3-year CAGR | 15.9% | — | Top 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.58×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -127.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.10%
- Net buyback yield (TTM)
- 3.59%
- Shareholder yield
- 4.70%
- Share count change, 1 year
- +14.0%
- Share count change, 3-year CAGR
- +4.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -14.3%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $28.00
- Target vs current price
- +12.2%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 83%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +0.9% | -1.1% | +6.5% | +8.4% | — |
| Apr 22, 2026 | -4.7% | -0.7% | -2.2% | -2.7% | +10.6% |
| Jan 21, 2026 | +9.4% | +5.4% | -2.7% | +0.8% | +5.9% |
| Oct 22, 2025 | -62.7% | -0.7% | +2.9% | -1.3% | +14.3% |
| Jul 23, 2025 | -2.0% | -0.3% | -5.6% | -6.3% | -4.4% |
| Apr 23, 2025 | -2.2% | +1.4% | +5.8% | +11.7% | +22.3% |
| Jan 22, 2025 | -8.3% | +0.2% | +0.6% | +0.9% | -20.9% |
| Oct 16, 2024 | +6.4% | +2.0% | +4.8% | +17.7% | +11.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.55 | $0.55 | +0.9% | $96.6M |
| Apr 22, 2026 | $0.49 | $0.51 | -4.7% | $93.8M |
| Jan 21, 2026 | $0.58 | $0.53 | +9.4% | $95.2M |
| Oct 22, 2025 | $0.19 | $0.51 | -62.7% | $95.9M |
| Jul 23, 2025 | $0.48 | $0.49 | -2.0% | $75.1M |
| Apr 23, 2025 | $0.45 | $0.46 | -2.2% | $73.1M |
| Jan 22, 2025 | $0.44 | $0.48 | -8.3% | $73.2M |
| Oct 16, 2024 | $0.50 | $0.47 | +6.4% | $71.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.3× | 9.6× | 76th | Top 47% |
| P/E (forward) | 11.4× | — | — | — |
| EV / EBITDA | 12.7× | — | — | Top 41% |
| EV / Sales | 3.97× | — | — | Bottom 36% |
| Free-cash-flow yield | 11.02% | — | — | Top 30% |
| Earnings yield | 6.97% | — | — | Top 47% |
P/E over the past five years
Range 6.5× – 24.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +43.7%
- Earnings per share growth (TTM)
- -4.9%
- Change in P/E multiple
- +63.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 240
- 50-day average slope (20 days)
- +2.9%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- -1.2%
- Distance from 200-day average
- +13.2%
- RSI (14)
- 49.6
- Relative volume
- 1.46×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.4%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.83
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -3.7%
- Maximum drawdown, 3 years
- -25.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 2, 2022 | May 16, 2023 | -36.6% | 112 days | 372 days (Nov 6, 2024) |
| Feb 6, 2025 | Apr 11, 2025 | -25.5% | 45 days | 162 days (Dec 3, 2025) |
| May 13, 2021 | Aug 4, 2021 | -21.4% | 57 days | 130 days (Feb 8, 2022) |
| Jun 6, 2022 | Sep 30, 2022 | -16.4% | 81 days | 20 days (Oct 28, 2022) |
| Jan 7, 2021 | Jan 29, 2021 | -11.5% | 15 days | 5 days (Feb 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.28B
- P/E (TTM)
- 14.3
- EPS, diluted (TTM)
- $1.74
- Revenue (TTM)
- $429.9M
- Dividend yield
- 1.12%
- 52-week range
- $16.65 – $26.06
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $141.9M | $255.2M | $321.0M | $336.2M | $397.0M |
| Gross profit | $129.1M | $238.4M | $264.5M | $267.1M | $310.2M |
| Operating income | $27.9M | $91.5M | $124.4M | $113.0M | $110.8M |
| Net income | $20.0M | $67.4M | $91.7M | $85.3M | $80.3M |
| EPS (diluted) | $0.65 | $1.49 | $2.02 | $1.87 | $1.62 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $85.2M | $85.4M | $82.4M | $84.6M | $115.5M | $114.5M | $111.2M | $88.8M |
| Net income | $23.0M | $19.1M | $19.8M | $21.8M | $9.9M | $28.8M | $25.6M | $28.2M |
| EPS (diluted) | $0.50 | $0.42 | $0.43 | $0.48 | $0.18 | $0.54 | $0.48 | $0.54 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $31.0M | $97.3M | $116.4M | $131.5M | $122.3M |
| Capital expenditure | -$2.0M | -$4.3M | -$12.4M | -$10.8M | -$4.5M |
| Free cash flow | $29.0M | $93.0M | $104.0M | $120.7M | $117.8M |
| Dividends paid | -$4.6M | -$8.9M | -$8.9M | -$9.4M | -$12.2M |
| Net share buybacks | -$10.4M | -$455,000 | -$605,000 | -$1.0M | -$7.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $46.7M
- Total assets
- $6.85B
- Total liabilities
- $5.95B
- Total debt
- $468.7M
- Net debt
- $422.0M
- Shareholders’ equity
- $902.8M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 31, 2026 | $0.07 | Aug 10, 2026 |
| May 1, 2026 | $0.07 | May 11, 2026 |
| Jan 30, 2026 | $0.07 | Feb 9, 2026 |
| Oct 31, 2025 | $0.07 | Nov 10, 2025 |
| Jul 25, 2025 | $0.06 | Aug 4, 2025 |
| Apr 25, 2025 | $0.06 | May 5, 2025 |
| Jan 31, 2025 | $0.06 | Feb 10, 2025 |
| Oct 25, 2024 | $0.06 | Nov 4, 2024 |
Short interest
- Shares sold short
- 2,469,231
- Days to cover
- 5.67
- Change vs previous report
- +23.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 29, 2004
- 2-for-1
- Jun 25, 2002
- 4-for-3
- May 18, 1999
- 2-for-1
- Jun 18, 1996
- 5-for-4