OSBC · Old Second Bancorp Inc
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative 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 |
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| Adjusted ROATCE non-GAAP | 15.85% | Q2 2026 | — |
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| Allowance for Credit Losses on loans (ACL) to total loans | 1.34% | Q2 2026 | — |
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| Classified loans | $132.1M | Q2 2026 | — |
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| Criticized loans (special mention, substandard and doubtful) to total loans | 3.05% | Q2 2026 | — |
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| Efficiency ratio | 51.72% | Q2 2026 | — |
| Net interest margin (NIM) on a fully tax-equivalent basis non-GAAP | 5.23% | Q2 2026 | — |
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| Nonperforming loans | $56.5M | Q2 2026 | — |
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| Nonperforming loans to total loans | 1.08% | Q2 2026 | — |
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| Return on average assets | 1.65% | Q2 2026 | — |
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| Return on tangible common equity (ROATCE) non-GAAP | 15.58% | Q2 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 11.19% | Q2 2026 | — |
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| ACL to nonperforming loans | 95.53% | first quarter of 2026 | — |
| Average loans (including loans held-for-sale) | 5.21B | first quarter of 2026 | — |
| Cost of deposits | 1.05% | first quarter of 2026 | — |
| Effective tax rate | 24.89% | 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 |
|---|---|---|---|---|---|
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OSBC
this stock
Old Second Bancorp Inc
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$1.32B | +32.9% | — | 15.0 | 3.4% |
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MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
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HDB
Hdfc Bank Ltd
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$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OSBC | +1.9% | +9.6% | +32.5% | +2.5% | +32.9% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.5% | +5.2% | +18.7% | -1.5% | +19.0% |
Capital returns
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.