OSBC · Old Second Bancorp Inc
$25.34
+0.14 (+0.54%)
At close · Aug 21
Market Cap
$1.29B
Shares
50.88M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$25.34
Open$25.39
Day$25.07–25.50
52W close$16.71–25.91
Avg vol 30d441K
Short int1.7M · 3.4% float · 3.4d
Short vol55%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+20%
above
Price vs 50-day avg
+6%
above
RSI (14)
57
neutral
MACD trend
Negative
52-week position
94%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+27%
trailing
YTD return
+30%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $24 › 200d $21 — 50d above 200d
Institutional flow
Distributing
-3% holders QoQ · +20 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.35% of float · ▼ -1.3% MoM · 3.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
183 holders — mid 3-yr range
Squeeze score
67
elevated · 0–100
Fundamentals
EPS growth
−13%
Y/Y
Free cash flow
$117.8M
Valuation
P/E 14.6
in line
Balance sheet
$64.4M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2024
Securities portfolio growth
· over the next year
$100M – $300M
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2023
Earnings per share (assuming three rate cuts)
· 2024
$2.00
Charge-offs
· first half of the year
$3M – $5M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+20%
Bullish
Price vs 50-day avg
+6%
Bullish
RSI (14)
57
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $24 › 200d $21 — 50d above 200d
Institutional flow
Distributing
-3% holders QoQ · +20 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.35% of float · ▼ -1.3% MoM · 3.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
183 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $17
Now $25 · 94%
Range high $26
vs 200-day avg +20%
vs 50-day avg +6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to nonperforming loans | 124.6% | Q2 2026 | — |
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| ACL to total loans | 1.34% | Q2 2026 | — |
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| Adjusted efficiency ratio (non-GAAP) non-GAAP | 50.8% | Three Months Ended June 30, 2026 | — |
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| Adjusted net income (non-GAAP) non-GAAP | $28.68M | Three Months Ended June 30 | — |
| Adjusted return on average assets (non-GAAP) non-GAAP | 1.68% | Three Months Ended June 30 | — |
| Adjusted ROATCE non-GAAP | 15.85% | Q2 2026 | — |
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| Allowance for credit losses to nonaccrual loans | 130.95% | Q2 2026 | — |
| Cost of deposits | 1% | Q2 2026 | — |
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| Criticized loans to total loans | 3.05% | Q2 2026 | — |
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| Interest bearing liabilities to earning assets | 64.68% | Q2 2026 | — |
| Net interest margin (GAAP) | 5.21% | Q2 2026 | — |
| Net interest margin (NIM) on a fully tax-equivalent basis non-GAAP | 5.23% | Q2 2026 | — |
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| Nonaccrual loans to total loans | 1.02% | Q2 2026 | — |
| Nonperforming assets to total loans plus OREO and repossessed assets | 1.1% | Q2 2026 | — |
| Nonperforming loans to total loans | 1.08% | Q2 2026 | — |
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| Purchased credit-deteriorated loans to total loans | 1.19% | Q2 2026 | — |
| Return on average tangible common equity (non-GAAP) non-GAAP | 15.58% | Three Months Ended June 30, 2026 | — |
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| Tangible common equity to tangible assets non-GAAP | 11.19% | Q2 2026 | — |
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| Average loans (including loans held-for-sale) | 5.21B | first quarter of 2026 | — |
| Classified loans | $148.6M | first quarter of 2026 | — |
| Effective tax rate | 24.89% | first quarter of 2026 | — |
| Nonperforming loans | $75.5M | first quarter of 2026 | — |
| Return on average assets | 1.51% | first quarter of 2026 | — |
| Return on average common equity | 11.43% | first quarter of 2026 | — |
| Tangible book value per share increase | 1.63% | first quarter of 2026 | — |
| Total deposits | 5.56B | first quarter of 2026 | — |
| Total loans | 5.19B | first quarter of 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OSBC
this stock
Old Second Bancorp Inc
|
$1.29B | +29.9% | — | 14.6 | 3.4% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OSBC | -2.2% | +5.4% | +27.3% | +0.2% | +29.9% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -0.9% | +1.8% | +15.7% | -2.3% | +17.6% |
Capital returns
Latest dividend
$0.07
/ share · ex Jul 31, 2026
Paid (TTM)
$0.28
/ share · 4 payouts
Dividend yield (TTM, derived)
1.11%
Buyback program
· as of Sep 30, 2021
Authorized
shares 9,519
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
357173
CUSIP
680277100
13F (30d)
159 filings
159 filers
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