Obermatt

Old Second Bancorp

NSQ:OSBC · US6802771005
BanksX-Small

360

56
Profit price48
Cash yield21
Price/Sales22
EV / Gross Profit48
Price/Book47
Returns on capital52
Profit margins
Cash Conversion82
Accruals75
Owner Earnings Margin45
Sales growth63
Profit Growth56
Owner Earnings Growth39
Reinvestment28
Price momentum59
Debt load34
Debt serviceability64
Liquidity81
Analyst ratings70
Opinion Changes50
Price Target Upside36
Market mood55
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Old Second Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1981
ISINUS6802771005
Last UpdateApr 2, 2026

Description

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides various banking products and services. The bank is a national banking association headquartered in Aurora, Illinois, that operates through vario…

Analysis

Middle-of-the-road

Old Second Bancorp, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 12.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
54
2023202420252026

All-time high

81

Jan 2023

All-time low

54

Jun 2026

Average rank

70

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
22
62
72
95
Price/Earnings
69
76
97
75
Price/Book
47
48
27
60
Dividend Yield
21
8
4
9
Value (overall)
22
45
47
69

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →