Old Second Bancorp Inc (OSBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Old Second Bancorp Inc stock (OSBC) is currently trading at $19.61. Old Second Bancorp Inc PE ratio is 12.15. Old Second Bancorp Inc PS ratio (Price-to-Sales) is 3.33. Analyst consensus price target for OSBC is $23.83. WallStSmart rates OSBC as Buy.
- OSBC PE ratio analysis and historical PE chart
- OSBC PS ratio (Price-to-Sales) history and trend
- OSBC intrinsic value — DCF, Graham Number, EPV models
- OSBC stock price prediction 2025 2026 2027 2028 2029 2030
- OSBC fair value vs current price
- OSBC insider transactions and insider buying
- Is OSBC undervalued or overvalued?
- Old Second Bancorp Inc financial analysis — revenue, earnings, cash flow
- OSBC Piotroski F-Score and Altman Z-Score
- OSBC analyst price target and Smart Rating
Old Second Bancorp Inc
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OSBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Old Second Bancorp Inc (OSBC)
OSBC trades at a significant discount to its Graham intrinsic value of $75.82, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Old Second Bancorp Inc (OSBC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Old Second Bancorp Inc (OSBC) Key Strengths (6)
Keeps $45 of every $100 in revenue after operating costs
Revenue surging 32.30% year-over-year
Keeps $26 of every $100 in revenue as net profit
72.15% of shares held by major funds and institutions
Trading at 1.14x book value, attractively priced
Strong earnings growth at 29.90% per year
Supporting Valuation Data
Old Second Bancorp Inc (OSBC) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.33x sales
Old Second Bancorp Inc (OSBC) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Valuation metrics including Price/Book (1.14) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 44.80%, Profit Margin at 25.80%. Growth metrics are encouraging with Revenue Growth at 32.30%, EPS Growth at 29.90%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.51), Price/Sales (3.33) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 32.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OSBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OSBC's Price-to-Sales ratio of 3.33x sits near its historical average of 3.32x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 3.37x set in Mar 2026, and 1% above its historical low of 3.3x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Old Second Bancorp Inc (OSBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Old Second Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 311M with 32% growth year-over-year. Profit margins are strong at 25.8%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 32% YoY, reaching 311M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 25.8% and operating margin of 44.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Old Second Bancorp Inc maintain 32%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Old Second Bancorp Inc.
Bottom Line
Old Second Bancorp Inc offers an attractive blend of growth (32% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(52 last 3 months)
| Insider | Type | Shares |
|---|---|---|
COLLINS, GARY S Director, VICE CHAIRMAN | Sell | -22,154 |
| Insider | Type | Shares |
|---|---|---|
CAMPBELL, DARIN PATRICK Director, President, Powersports Lending | Sell | -35,000 |
| Insider | Type | Shares |
|---|---|---|
CAMPBELL, DARIN PATRICK Director, President, Powersports Lending | Sell | -91 |
| Insider | Type | Shares |
|---|---|---|
LYONS, BILLY J JR. Director | Buy | +23 |
| Insider | Type | Shares |
|---|---|---|
GARTELMANN, RICHARD A JR EVP | Sell | -2,000 |
Data sourced from SEC Form 4 filings
Last updated: 2:28:46 PM
About Old Second Bancorp Inc(OSBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.