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Earnings transcript
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OSBC
Old Second Bancorp, Inc.
$20.74
0.29
(1.42%)
| Exchange: | NASDAQ |
| Market Cap: | 1.093B |
| Shares Outstanding: | 14.283M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | James L. Eccher | |||||
| Full Time Employees: | 877 | |||||
| Address: |
| |||||
| Website: | https://www.oldsecond.com |
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier’s checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 321,026 | 336,168 | 396,966 |
| Gross Profit | 264,486 | 267,149 | 310,196 |
| EBITDA | 132,112 | 122,116 | 120,833 |
| Operating Income | 124,408 | 112,956 | 110,751 |
| Net Income | 91,729 | 85,264 | 80,310 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 5,722,799 | 5,649,377 | 6,902,675 |
| Total Liabilities | 5,145,518 | 4,978,343 | 6,005,907 |
| Total Stockholders Equity | 577,281 | 671,034 | 896,768 |
| Total Debt | 516,625 | 141,897 | 229,825 |
| Cash and Cash Equivalents | 100,145 | 99,329 | 124,025 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 116,401 | 131,533 | 0 |
| Capital Expenditure | -12,376 | -10,787 | 0 |
| Free Cash Flow | 104,025 | 120,746 | 0 |
| Net Income | 91,729 | 85,264 | 80,310 |
| Net Change in Cash | -15,032 | -816 | -99,329 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 396,177.975 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 397,472.024 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 396,825 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 144,954.208 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 145,427.677 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 145,190.943 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 121,703.279 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 124,407.785 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 123,055.532 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 134,905.168 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 135,345.813 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 135,125.490 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.310 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.330 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.280 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Old Second Bancorp reported a net income of $21.5 million in Q2 2025, reflecting strong profitability as highlighted in the earnings call transcript. Key metrics such as return on equity (ROE TTM) and net profit margin (TTM) indicate efficient capital utilization and operational performance compared to industry benchmarks.
- Positive Revenue Growth: Revenue figures from the income statements demonstrate consistent growth over recent periods, supported by strategic initiatives and product segment performance as detailed in revenue product segments data. This aligns with sector trends in the financial services industry.
- Stable Cash Flow Generation: The cash flow statements reveal strong net cash provided by operating activities and positive free cash flow, indicating robust liquidity to support ongoing operations and potential dividend payouts, as evidenced by the dividend yield (TTM).
- Market Position: As part of the banking industry within the financial sector, OSBC benefits from a stable market presence with a competitive market cap and average trading volume, reinforcing investor confidence as per company profile data.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates OSBC intrinsic value between $21.68 – $39.61 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about OSBC valuation
Is Old Second Bancorp, Inc. (OSBC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Old Second Bancorp, Inc. (OSBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is OSBC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OSBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is OSBC’s P/E ratio?
You can see OSBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for OSBC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is OSBC a good long-term investment?
Whether OSBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
OSBC
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Daily snapshot
1.42
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Daily snapshotTrading Metrics:
| Open: | 20.3 | Previous Close: | 20.45 | |
| Day Low: | 20.13 | Day High: | 20.8 | |
| Year Low: | 14.14 | Year High: | 22 | |
| Price Avg 50: | 20.05 | Price Avg 200: | 18.84 | |
| Volume: | 313886 | Average Volume: | 394200 |
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Login — it's freeOSBC full analysis
Welcome to MARKETSNAP’s SWOT analysis for Old Second Bancorp, Inc., or OSBC as it’s known on the ticker. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed. Let’s break it down with a comprehensive look at the company, some fresh insights from recent data, and of…
