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ISIN
US6802771005
CUSIP
680277100
IPO Date
Aug 18, 1995

Highlights

EPS (TTM)
$2.25
PE Ratio
9.79
PEG Ratio
0.27
Total Revenue (TTM)
$412.93M
Gross Profit (TTM)
$240.87M
EBITDA (TTM)
$91.93M
Year Range
$16.43 - $22.67
Target Price
$23.00
ROA (TTM)
1.25%
ROE (TTM)
9.48%

Share Price Chart


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Performance

OSBC Performance Chart

Old Second Bancorp, Inc. (OSBC) is up 14.0% since the beginning of the year. At $22 per share, OSBC is trading just below its 52-week high of $23. Investors who bought $1,000 worth of OSBC shares 5 years ago would now be looking at an investment worth $1,856.


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S&P 500 Index

Returns By Period

Old Second Bancorp, Inc. (OSBC) has returned 14.02% so far this year and 34.02% over the past 12 months. Over the last ten years, OSBC has had an annualized return of 13.30%, just under the S&P 500 Index benchmark’s 13.88%.


Old Second Bancorp, Inc.

1D
0.87%
1M
4.74%
YTD
14.02%
6M
8.35%
1Y
34.02%
3Y*
20.60%
5Y*
13.17%
10Y*
13.30%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.64%
1Y
25.22%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

OSBC Monthly Returns History

Based on dividend-adjusted daily data since Aug 18, 1995, OSBC's average daily return is +0.06%, while the average monthly return is +1.12%. At this rate, an investment would double in approximately 5.2 years.

Historically, 57% of months were positive and 43% were negative. The best month was Jan 2013 with a return of +69.7%, while the worst month was Jun 2010 at -51.3%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 6 months.

On a daily basis, OSBC closed higher 45% of trading days. The best single day was Sep 20, 2010 with a return of +57.1%, while the worst single day was Dec 1, 2008 at -20.6%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20262.10%-1.06%2.70%2.23%3.80%3.56%14.02%
20256.02%-2.39%-9.27%-4.74%4.75%7.26%-4.02%8.78%-6.37%4.25%5.01%3.45%11.25%
2024-11.50%-1.40%3.05%-0.67%5.55%2.42%14.58%0.65%-8.46%5.71%13.28%-4.41%16.69%
20236.27%-2.41%-15.20%-12.23%-3.66%10.30%22.82%-9.51%-5.94%0.01%3.91%9.58%-2.37%
20227.07%5.96%1.97%-4.75%10.89%-12.38%5.36%-2.35%-4.88%23.03%9.13%-8.13%29.23%
2021-2.67%21.89%10.36%0.38%4.92%-10.53%-6.22%1.55%11.05%4.07%-8.79%1.94%26.26%

Benchmark Metrics

Old Second Bancorp, Inc. has an annualized alpha of 6.76%, beta of 0.83, and R2 of 0.12 versus S&P 500 Index. Calculated based on daily prices since August 18, 1995.

  • This stock participated in 92.97% of S&P 500 Index downside but only 76.73% of its upside - more exposed to losses than it benefited from rallies.
  • R2 of 0.12 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
6.76%
Beta
0.83
0.12
Upside Capture
76.73%
Downside Capture
92.97%

Return for Risk

Risk / Return Rank

OSBC ranks 77 for risk / return — better than 77% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


OSBC Risk / Return Rank: 7777
Overall Rank
OSBC Sharpe Ratio Rank: 7878
Sharpe Ratio Rank
OSBC Sortino Ratio Rank: 7272
Sortino Ratio Rank
OSBC Omega Ratio Rank: 7373
Omega Ratio Rank
OSBC Calmar Ratio Rank: 8181
Calmar Ratio Rank
OSBC Martin Ratio Rank: 8080
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Old Second Bancorp, Inc. (OSBC) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


OSBCBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-0.75

Sortino ratioReturn per unit of downside risk

-0.97

Omega ratioGain probability vs. loss probability

1.24

1.37

-0.13

Calmar ratioReturn relative to maximum drawdown

2.65

2.78

-0.14

Martin ratioReturn relative to average drawdown

6.21

12.44

-6.23

Dividends

Dividend History

Old Second Bancorp, Inc. provided a 1.22% dividend yield over the last twelve months, with an annual payout of $0.27 per share. The company has been increasing its dividends for 9 consecutive years.


0.20%0.40%0.60%0.80%1.00%1.20%$0.00$0.05$0.10$0.15$0.20$0.252016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM2025202420232022202120202019201820172016
Dividend$0.27$0.25$0.21$0.20$0.20$0.16$0.04$0.04$0.04$0.04$0.03

Dividend yield

1.22%1.28%1.18%1.30%1.25%1.27%0.40%0.30%0.31%0.29%0.27%

Monthly Dividends

The table displays the monthly dividend distributions for Old Second Bancorp, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.07$0.00$0.00$0.00$0.07$0.00$0.14
2025$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.07$0.00$0.00$0.25
2024$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.06$0.00$0.00$0.21
2023$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.20
2022$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.20
2021$0.01$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.16

Dividend Yield & Payout


Dividend Yield

Old Second Bancorp, Inc. has a dividend yield of 1.22%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.

Payout Ratio

Old Second Bancorp, Inc. has a payout ratio of 14.22%, which is below the market average. This means Old Second Bancorp, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Old Second Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Old Second Bancorp, Inc. was 97.67%, occurring on Sep 3, 2010. The portfolio has not yet recovered.

The current Old Second Bancorp, Inc. drawdown is 22.00%.


Related event

Drawdown

Fall

Recovery

Underwater

2010 bear market2010
-97.67%Sep 2010
5y 6mo
21y 4moFeb 2005 - now
Dot-com crash2000–2002
-35.02%Mar 2000
1y 11mo1y 1mo
3y 1moApr 1998 - May 2001
1996 bear market1996
-21.10%Jun 1996
14d9mo 6d
9mo 20dJun 1996 - Mar 1997
Dot-com crash2000–2002
-15.84%Sep 2001
1mo 4d2mo 22d
3mo 26dAug 2001 - Dec 2001
2004 correction2004
-14.39%May 2004
1mo 14d3mo 7d
4mo 21dApr 2004 - Aug 2004

Drawdown Indicators


OSBCBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-97.67%

-56.78%

-40.89%

Max Drawdown (1Y)

Largest decline over 1 year

-12.91%

-9.10%

-3.81%

Max Drawdown (3Y)

Largest decline over 3 years

-25.52%

-18.90%

-6.62%

Max Drawdown (5Y)

Largest decline over 5 years

-36.27%

-25.43%

-10.84%

Max Drawdown (10Y)

Largest decline over 10 years

-60.07%

-33.92%

-26.15%

Current Drawdown

Current decline from peak

-22.00%

-1.80%

-20.20%

Average Drawdown

Average peak-to-trough decline

-43.98%

-10.71%

-33.27%

Ulcer Index

Depth and duration of drawdowns from previous peaks

5.49%

2.03%

+3.46%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Old Second Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Old Second Bancorp, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for OSBC, comparing it with other companies in the Banks - Regional industry. Currently, OSBC has a P/E ratio of 9.8. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for OSBC compared to other companies in the Banks - Regional industry. OSBC currently has a PEG ratio of 0.3. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for OSBC relative to other companies in the Banks - Regional industry. Currently, OSBC has a P/S ratio of 2.0. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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