Stocktoria
OLD SECOND BANCORP INC OSBC
OLD SECOND BANCORP INC (OSBC) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.02% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OSBC | OLD SECOND BANCORP INC | 3/9 | — | 15 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About OLD SECOND BANCORP INC
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides 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. The company was founded in 1871 and is headquartered in Aurora, Illinois.
FAQ
Is OSBC financially healthy?
OLD SECOND BANCORP INC's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does OSBC pay a dividend, and is it safe?
Yes. OLD SECOND BANCORP INC pays a dividend yielding about 1.02% with a 15.2% payout ratio, rated “safe” for safety.
How profitable is OSBC?
In FY2025, OLD SECOND BANCORP INC had a return on equity of 9.0%.
Is OSBC overvalued or undervalued?
OLD SECOND BANCORP INC trades at about 15.9× trailing earnings — above its 10-year norm (10-year range 6.7×–29.4×, median 12.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for OSBC?
The average Wall-Street price target for OLD SECOND BANCORP INC is $23.80, about 7.8% below the recent price, from 5 analysts (consensus: buy).
Is OSBC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on OLD SECOND BANCORP INC: a Piotroski F-score of 3/9, a P/E of about 15.0×, a dividend yield of 1.02%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.