
NASDAQFinancial ServicesBanks - Regional
Latest quote
$24.61
−$0.25 · -1.01%
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
Previous close
$24.61
−$0.25 · -1.01%
Regular session · ET · Market data may be delayed.
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
Day range
Current $24.61
52-week range
Current $24.61
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
77
Undervalued
Sentiment
73
Bullish
Risk
23
Moderate Risk
Momentum
56
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
Day range
Current $24.61
52-week range
Current $24.61
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 396.97M USD | 336.17M USD | 321.03M USD | 255.24M USD | 141.89M USD |
| Cost of goods sold | 86.77M USD | 69.02M USD | 56.54M USD | 16.87M USD | 12.78M USD |
| Gross profit | 310.2M USD | 267.15M USD | 264.49M USD | 238.37M USD | 129.11M USD |
| Selling, general, and administrative | 129.21M USD | 103.08M USD | 93.2M USD | 90.78M USD | 60.22M USD |
| Operating expenses | 199.45M USD | 154.19M USD | 140.08M USD | 146.83M USD | 101.24M USD |
| Interest income | 354.05M USD | 295.63M USD | 290.05M USD | 215.54M USD | 104.71M USD |
| Interest expense | 62.22M USD | 56.27M USD | 40.04M USD | 10.32M USD | 8.45M USD |
| Depreciation and amortization | 11.25M USD | 9.16M USD | 7.7M USD | 6.89M USD | 3.8M USD |
| Operating income | 110.75M USD | 112.96M USD | 124.41M USD | 91.55M USD | 27.87M USD |
| Net income | 80.31M USD | 85.26M USD | 91.73M USD | 67.41M USD | 20.04M USD |
Company facts updated Oct 11, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$30.00
21.90% upsideCash distributions grouped by calendar year; partial years are marked.
$0.25
2025 complete year+56.2% since 2021
2026 partial: $0.21
$0.16
2,021
$0.20
2,022
$0.20
2,023
$0.21
2,024
$0.25
2,025
$0.21
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Jul 31, 2026 | $0.07Quarterly | Jul 31, 2026 | Aug 10, 2026 |
Dividend | May 1, 2026 | $0.07Quarterly | May 1, 2026 | May 11, 2026 |
Dividend | Jan 30, 2026 | $0.07Quarterly | Jan 30, 2026 | Feb 9, 2026 |
Dividend | Oct 31, 2025 | $0.07Quarterly | Oct 31, 2025 | Nov 10, 2025 |
Dividend | Jul 25, 2025 | $0.06Quarterly | Jul 25, 2025 | Aug 4, 2025 |
Dividend | Apr 25, 2025 | $0.06Quarterly | Apr 25, 2025 | May 5, 2025 |
Ex-dividend Jul 31, 2026
$0.07
Quarterly
Record Jul 31, 2026 · Payment Aug 10, 2026
Ex-dividend May 1, 2026
$0.07
Quarterly
Record May 1, 2026 · Payment May 11, 2026
Ex-dividend Jan 30, 2026
$0.07
Quarterly
Record Jan 30, 2026 · Payment Feb 9, 2026
Ex-dividend Oct 31, 2025
$0.07
Quarterly
Record Oct 31, 2025 · Payment Nov 10, 2025
Ex-dividend Jul 25, 2025
$0.06
Quarterly
Record Jul 25, 2025 · Payment Aug 4, 2025
Ex-dividend Apr 25, 2025
$0.06
Quarterly
Record Apr 25, 2025 · Payment May 5, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Avantis U.S. Small Cap Value ETFAVUV40.46M0.13%30.85B USD0.25%$119.64-0.41%
Vanguard Morningstar Total Stock Market ETFVTI38.98M0.00%2.3T USD0.03%$381.94+0.63%
iShares Russell 2000 ETFIWM34.35M0.04%78.74B USD0.19%$278.94+0.49%
U.S. Small Cap Value Portfolio ETF Class SharesDFSV17.12M0.06%26.81B USD0.33%$37.95-0.39%
Vanguard Extended Market ETFVXF14.96M0.02%95.4B USD0.05%$235+0.80%
Dimensional - US Targeted Value ETFDFAT14.77M0.05%30.12B USD0.33%$67.27-0.43%
State Street SPDR S&P Regional Banking ETFKRE11.22M0.34%3.3B USD0.35%$69.01-0.83%
Dimensional - US Small Cap ETFDFAS10.01M0.03%33.87B USD0.31%$78.35+0.32%
Avantis U.S. Small Cap Value ETFAVUV
Vanguard Morningstar Total Stock Market ETFVTI
iShares Russell 2000 ETFIWM
U.S. Small Cap Value Portfolio ETF Class SharesDFSV
Vanguard Extended Market ETFVXF
Dimensional - US Targeted Value ETFDFAT
State Street SPDR S&P Regional Banking ETFKRE
Dimensional - US Small Cap ETFDFASAI-generated and delayed market data for informational and educational purposes only. Not investment advice.