OSBC · Old Second Bancorp Inc
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 23, 2026TL;DR. Old Second Bancorp reported Q2 net income of $28.2 million ($0.54 EPS) with NIM expanding 9 bps to 5.23% and a new $2.5M-share buyback authorization, while elevated $9.2M of net charge-offs (largely tied to two previously identified credits) kept credit a focus despite declines in NPAs and classified loans.
- + Net interest margin expanded 9 bps to 5.23% with management expecting stability
- + Net income of $28.2M and EPS of $0.54 up from $25.6M and $0.48 sequentially
- + Board approved new 2.5 million-share repurchase program through June 30, 2027
- + Tangible book value per share rose to $14.77 from $14.35 with tangible equity ratio up 12 bps
- + PowerSports contribution margin at a historical high with APR over 10%
- − CET1 ratio declined 49 bps year-over-year due to $40.2M of 2026 buybacks
- − C&I credit on warehousing and distribution still on balance sheet with further charges possible
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
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 BuyIllustrative 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 |
|---|---|---|---|
| Adjusted efficiency ratio (non-GAAP) non-GAAP | 50.8% | Three Months Ended June 30, 2026 filing | — |
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| Adjusted return on average assets non-GAAP | 1.68% | three months ended June 30, 2026 filing | — |
| Efficiency ratio (GAAP) | 51.72% | Three Months Ended June 30, 2026 filing | — |
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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
|
$1.27B | +27.9% | — | 14.4 | 4.9% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
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 | +0.0% | -2.8% | +15.9% | +1.9% | +28.0% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +0.2% | -2.4% | +3.7% | +1.0% | +15.1% |
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.