- ISIN
- US6802771005
- CUSIP
- 680277100
- Sector
- Financial Services
- Industry
- Banks - Regional
- 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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.10% | -1.06% | 2.70% | 2.23% | 3.80% | 3.56% | 14.02% | ||||||
| 2025 | 6.02% | -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% |
| 2023 | 6.27% | -2.41% | -15.20% | -12.23% | -3.66% | 10.30% | 22.82% | -9.51% | -5.94% | 0.01% | 3.91% | 9.58% | -2.37% |
| 2022 | 7.07% | 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
- R²
- 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.
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.
| OSBC | Benchmark | Difference | |
|---|---|---|---|
| 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.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 11mo | 1y 1mo | 3y 1moApr 1998 - May 2001 |
1996 bear market1996 | -21.10%Jun 1996 | 14d | 9mo 6d | 9mo 20dJun 1996 - Mar 1997 |
Dot-com crash2000–2002 | -15.84%Sep 2001 | 1mo 4d | 2mo 22d | 3mo 26dAug 2001 - Dec 2001 |
2004 correction2004 | -14.39%May 2004 | 1mo 14d | 3mo 7d | 4mo 21dApr 2004 - Aug 2004 |
Drawdown Indicators
| OSBC | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -22.00% | -1.80% | -20.20% |
Average DrawdownAverage peak-to-trough decline | -43.98% | -10.71% | -33.27% |
Ulcer IndexDepth 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.
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 | — |
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