Old Second Bancorporation Inc
Research Old Second Bancorporation Inc (OSBC) on Bullrun: valuation model: 11.5% overvalued, market cap USD 1.27B, P/E 14.2, dividend yield 1.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerOSBC
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal11.5% overvalued
- Market capUSD 1.27B
- P/E14.2
- Dividend yield1.1%
- Financial periodQ2 2026
- RevenueUSD 94.99M
- Net incomeUSD 28.18M
- Free cash flowUSD 27.92M
Valuation Snapshot
Bullrun's latest valuation model marks Old Second Bancorporation Inc as 11.5% overvalued; latest market cap is USD 1.27B; P/E is 14.2; dividend yield is 1.1%.
Peer valuation comparison
Latest P/E is 14.25x versus a Financial Services sector median of 13.41x (6.2% above).
Latest dividend yield is 1.13% versus a Financial Services sector median of 3.66% (69.1% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 333.10M | USD 80.31M | USD 117.76M | n/a | 1.62 | USD 124.03M | USD 315.15M | USD 896.77M |
| FY2024 | USD 279.90M | USD 85.26M | USD 120.75M | n/a | 1.87 | USD 99.33M | USD 105.24M | USD 671.03M |
| FY2023 | USD 280.99M | USD 91.73M | USD 104.03M | n/a | 2.02 | USD 100.15M | USD 490.16M | USD 577.28M |
| FY2022 | USD 244.92M | USD 67.41M | USD 93.01M | n/a | 1.49 | USD 115.18M | USD 228.66M | USD 461.14M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 1.27B | 14.2 | 1.1% | 0.28 |
| 2025 | 2025-12-31 | USD 1.03B | 12.0 | 1.3% | 0.25 |
| 2024 | 2024-12-31 | USD 797.85M | 9.5 | 1.2% | 0.21 |
| 2023 | 2023-12-29 | USD 690.14M | 7.2 | 1.3% | 0.2 |
| 2022 | 2022-12-30 | USD 714.97M | 24.7 | 1.2% | 0.2 |
| 2021 | 2021-12-31 | USD 559.76M | 18.8 | 1.3% | 0.16 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.28 USD, yield 1.1%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.25 USD |
| FY2024 | 0.21 USD |
| FY2023 | 0.2 USD |
| FY2022 | 0.2 USD |
About Old Second Bancorporation 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;
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Frequently asked questions
Is Old Second Bancorporation Inc overvalued or undervalued?
Bullrun's valuation model currently marks Old Second Bancorporation Inc as 11.5% overvalued.
What is Old Second Bancorporation Inc's market cap?
Old Second Bancorporation Inc's market capitalization is USD 1.27B.
What is Old Second Bancorporation Inc's P/E ratio?
Old Second Bancorporation Inc's price-to-earnings (P/E) ratio is 14.2.
Does Old Second Bancorporation Inc pay a dividend?
Old Second Bancorporation Inc has a dividend yield of 1.1%.
What does Old Second Bancorporation Inc do?
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.