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Old Second Bancorp Inc

Old Second Bancorp, Inc. is the bank holding company for Old Second National Bank, providing community banking services in the United States. It offers deposit products such as checking, NOW, money market, savings, and time deposit accounts, as well as certificates of deposit and individual retirement accounts. Its lending products include commercial and industrial, commercial real estate, multifamily, construction and development, residential real estate, home equity lines of credit, consumer, installment, and agricultural loans, along with lease financing receivables and overdraft checking. The company also provides online and mobile banking, corporate cash management, and investment, agency, and custodial services. Founded in 1871, it is headquartered in Aurora, Illinois.

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OSBC▲

Axos Financial and Old Second Bancorp Recommended, Byline Bancorp Flagged as Underwhelming

StockStory identifies Axos Financial and Old Second Bancorp as bank stocks to consider, while warning against Byline Bancorp. Axos Financial posted 18.6% annual net interest income growth over five years and a 4.8% net interest margin, with earnings per share compounding at 18.1% annually. Old Second Bancorp achieved 21.5% annual revenue growth and 27.4% annual net interest income growth over five years, alongside a 4.9% net interest margin. Byline Bancorp saw 7.1% annual revenue growth over two years, below the typical banking company, with estimated net interest income growth of 3% for the next 12 months and earnings per share growth trailing revenue gains.
AX · Capital · Positive Axos Financial recommended for strong net interest income growth and earnings compounding.
BY · Capital · Negative Byline Bancorp flagged as underwhelming due to low revenue growth and weak net interest income outlook.
OSBC · Capital · Positive Old Second Bancorp recommended for high revenue and net interest income growth.
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StockStory highlights PJT and Old Second Bancorp as growth picks, flags DHT Holdings

StockStory identifies PJT Partners and Old Second Bancorp as growth stocks with expanding competitive advantages, while DHT Holdings faces challenges. PJT posted 18.7% annual revenue growth over two years and a 27.5% return on equity. Old Second Bancorp achieved 21.5% annual revenue growth over five years and a 4.9% net interest margin. DHT Holdings saw flat sales over five years and a low gross margin of 33.5%.
OSBC · Demand · Positive Old Second Bancorp highlighted as growth stock with 21.5% annual revenue growth over five years and strong net interest margin.
PJT · Demand · Positive PJT Partners highlighted as growth stock with 18.7% annual revenue growth and high return on equity.
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OSBC▲

StockStory picks Old Second Bancorp as momentum buy, flags Ziff Davis and MetLife as sells

StockStory highlights Old Second Bancorp as a momentum stock worth buying while recommending investors avoid Ziff Davis and MetLife. Old Second Bancorp posted annual revenue growth of 21.5% over the past five years and a best-in-class net interest margin of 4.9%, supported by 27.4% annual net interest income growth. Ziff Davis saw flat sales over five years, a 9.2 percentage point drop in adjusted operating margin, and a 7% annual decline in earnings per share. MetLife's net premiums earned grew only 2.7% annually over five years, earnings per share rose 10.8% annually over two years but lagged peers, and book value per share fell 10.8% annually over five years.
MET · Capital · Negative StockStory recommends selling MetLife due to weak premium growth, lagging EPS growth, and declining book value per share.
OSBC · Capital · Positive StockStory highlights Old Second Bancorp as a momentum buy with strong revenue growth, high net interest margin, and robust net interest income growth.
ZD · Capital · Negative StockStory recommends avoiding Ziff Davis due to flat sales, declining adjusted operating margin, and falling earnings per share.
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OSBC

Old Second Bancorp's Net Interest Income Surges but EPS Growth Lags

Old Second Bancorp has recorded a modest 3.9% return over the past six months, underperforming the S&P 500's 10.9% gain. The bank's net interest income has grown at a 27.4% annualized rate over the last five years, driven by increases in outstanding loans and an elite net interest margin averaging 4.9% over the past two years. However, earnings per share grew at just 9.4% annually over the same period, indicating declining per-share profitability despite strong revenue expansion. The stock currently trades at 1.2 times forward price-to-book, or $21.66 per share.
OSBC · Capital · Neutral Net interest income surged but EPS growth lagged, and stock underperformed S&P 500; mixed financial signals.
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