US · OSBC
Old Second Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Aurora, IL 60506-4173
- Website
- oldsecond.com
Price · as of 2025-12-31
$20.79
Market cap 1.03B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $22.72 | +9.28% |
| Intrinsic Value(DCF) | $60.66 | +191.77% |
| Graham-Dodd Method(GD) | $22.20 | +6.77% |
| Graham Formula(GF) | $38.65 | +85.91% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $1.08 | $78.16 | $2.84 | $2.96 | $5.45 |
| 2012 | $2.85 | $36.10 | $19.07 | $5.13 | $0.00 |
| 2013 | $4.52 | $9,997.51 | $25.19 | $40.04 | $0.00 |
| 2014 | $5.06 | $55.74 | $10.60 | $2.29 | $2.07 |
| 2015 | $6.61 | $233.23 | $9.94 | $6.67 | $4.94 |
| 2016 | $10.05 | $31.18 | $12.67 | $7.83 | $6.15 |
| 2017 | $13.46 | $31.29 | $14.15 | $8.42 | $11.98 |
| 2018 | $12.76 | $27.91 | $20.37 | $12.09 | $28.56 |
| 2019 | $9.42 | $37.04 | $26.76 | $14.58 | $22.09 |
| 2020 | $12.38 | $64.46 | $14.70 | $13.83 | $1.71 |
| 2021 | $13.49 | $31.00 | $43.28 | $14.79 | $6.54 |
| 2022 | $14.36 | $53.17 | $698.27 | $12.99 | $127.86 |
| 2023 | $13.40 | $31.29 | $678.27 | $18.25 | $67.38 |
| 2024 | $16.85 | $55.14 | $72.40 | $19.25 | $24.20 |
| 2025 | $19.91 | $22.72 | $46.68 | $22.20 | $38.65 |
AI valuation
Our deep-learning model estimates Old Second Bancorp, Inc.'s (OSBC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $22.72
- Current price
- $20.79
- AI upside
- +9.28%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$60.66
+191.77% upside
Graham-Dodd
$22.20
+6.77% upside
Graham Formula
$38.65
+85.91% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OSBC | Old Second Bancorp, Inc. | $20.79 | 1.03B | +9% | +192% | +7% | +86% | 13.06 | 1.17 | 2.64 | 9.86 | — | 1.41 | 78.14% | 27.90% | 20.23% | 10.24% | 27.92% | 1.28% | 0.38 | 1.78 | 0.10 | 0.10 | 1.78 | -1337.00% | 1809.00% | 126.00% | 11.66% | 0.06 | 41.36% | 0.00% | 0.00% | 0.00% | 10.76 | 9.74 | 3.00 | 0.01 |
| BHRB | Burke & Herbert Financial… | $64.44 | 968.44M | -46% | +962% | +44% | +271% | 8.45 | 1.16 | 2.02 | -0.97 | 3.65 | 1.27 | 69.33% | 29.51% | 23.89% | 14.81% | 50.78% | 1.49% | 0.63 | 0.97 | 3.79 | 3.79 | 3.34 | 23120.00% | 2373.00% | -2298.00% | 6.31% | 0.14 | 27.08% | 0.00% | 0.00% | 0.00% | -0.97 | -2.26 | -0.29 | 0.49 |
| CPF | Central Pacific Financial… | $31.85 | 853.8M | -9% | +33% | +15% | +30% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| MBIN | Merchants Bancorp | $42.28 | 1.94B | +86% | -48% | +28% | -69% | 9.09 | 0.87 | 1.46 | 18.77 | — | 0.88 | 41.29% | 19.32% | 16.02% | 9.67% | 3.89% | 1.14% | 1.68 | 0.39 | 1.61 | 1.61 | 14.51 | -4000.00% | -565.00% | -6003.00% | -17.16% | -0.05 | -6.06% | 2.99% | 27.20% | 4.63% | 18.77 | -14.51 | 3.63 | 0.57 |
| OCFC | OceanFirst Financial Corp… | $18.06 | 1.04B | +134% | +26% | -25% | -76% | 15.02 | 0.64 | 1.63 | 15.21 | — | 0.94 | 54.48% | 14.11% | 10.83% | 4.22% | 3.54% | 0.51% | 1.03 | 0.33 | 3.86 | 3.86 | 16.99 | -2909.00% | -470.00% | -1028.00% | 7.12% | 0.02 | 3.79% | 4.52% | 67.90% | 4.52% | 15.21 | 18.52 | 2.15 | 0.87 |
| PEBO | Peoples Bancorp Inc. | $32.27 | 1.15B | +79% | -4% | +22% | -19% | 10.74 | 0.95 | 1.85 | 12.55 | — | 1.41 | 67.46% | 21.80% | 17.27% | 9.21% | 10.71% | 1.13% | 0.61 | 0.85 | 0.84 | 0.84 | 4.05 | -967.00% | 40.00% | -120.00% | 11.75% | 0.02 | 13.51% | 0.00% | 0.00% | 0.00% | 12.55 | 12.56 | 2.74 | 0.10 |
| SBSI | Southside Bancshares, Inc… | $31.32 | 941.67M | +55% | +190% | +749% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
| TCBI | Texas Capital Bancshares,… | $95.30 | 4.35B | -29% | +12% | +17% | +63% | 13.14 | 1.20 | 2.17 | -2.77 | 3.05 | 1.20 | 60.62% | 22.20% | 16.52% | 9.44% | -136.18% | 1.06% | 0.26 | 0.60 | 0.16 | 0.28 | -1.97 | 43125.00% | 1354.00% | -1650.00% | 8.01% | 0.01 | -139.78% | 0.40% | 5.20% | 4.68% | -3.00 | -3.83 | -0.67 | -0.52 |
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. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers 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. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.
- CEO
- James L. Eccher
- Employees
- 877
- Beta
- 0.79
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($60.66 ÷ $20.79) − 1 = +191.77% (DCF, example).