Insider buying last 90 days
No open-market insider purchases were filed for OSBC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every OSBC insider filing, plotted on the chart in Gekko.Open OSBC in Gekko
NASDAQ: OSBC
Old Second Bancorp (OSBC) Stock Analysis & Forecast
Oct 12 close
$24.84+0.23 (+0.9%)
Gekko Brief
AI summaryOct 12 closeOld Second Bancorp moves this week on an analyst upgrade to Buy and a Raymond James "Strong Buy" call with a raised price target of USD 30.00, alongside continued attention on its upcoming third-quarter results. Coverage also points back to second-quarter revenue of $96.91 million, beating expectations by 2% and up 28.4% year-over-year, though diluted EPS of $0.54 slightly missed consensus. Congress Asset Management separately raised its OSBC stake by 21.40% in the third quarter.
The stock closes at $24.84, up 0.9%, sitting between its 50-day average of $25.23 and 200-day average of $22.16, with the 52-week range spanning $16.65 to $26.06. Over the past year the shares have returned 44.6%, though the one-month return is -2.9%. The GekkoIndex reads 61.4, placing OSBC in the Accumulation zone, and the price sits 6.2% below Gekko Fair Value of $26.48.
The next earnings report is due 21 October 2026, eight days away, inside a typical 20-trading-day holding window; the prior quarter saw EPS of $0.58 beat the $0.53 estimate with a 4.4% reaction. Consensus among 3 firms stands at Buy, with a price target of $28.33 implying 14% upside. Seasonally, the next 20 trading days have averaged a 12.5% return across 5 years, rising in 5 of them, a pattern worth noting heading into the report.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Old Second Bancorp price vs fair value
Close $24.84200-day averageGekko Fair Value $26.48
Old Second Bancorp quick facts
- Market cap
- $1.28B
- P/E ratio
- 14.1
- Forward P/E
- 8.6
- EPS, TTM
- $1.76
- Revenue, TTM
- $341.4M
- Profit margin
- 27.1%
- Dividend yield
- 1.09%
- Beta
- 0.77
- Volume
- 588,832 avg 572,923
- 1-year return
- +44.6%
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.4%
- 50-day average
- $25.23
- 200-day average
- $22.16
- Next earnings
- Oct 21
- Shares outstanding
- 50.88M
Old Second Bancorp swing-trade checklist
Old Second Bancorp scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $24.84 sits between the 50-day ($25.23) and 200-day ($22.16) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
61.4, Accumulation
Reading 61.4 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
6.2% below
Price is 6.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 9 days
Reports on Oct 21, 2026, 9 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+12.5% on average
From this point in the calendar, the next 20 trading days averaged +12.5% over 5 years, rising in 5 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Old Second Bancorp stock chart and price history
Old Second Bancorp closed at $24.84 on Oct 12, 2026, +44.6% over the past year, inside a 52-week range of $16.65 to $26.06.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −2.9%
- 3 months
- +8.0%
- 6 months
- +15.4%
- 1 year
- +44.6%
The full OSBC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open OSBC in Gekko
Follow Old Second Bancorp through every session
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About Old Second Bancorp
Old Second Bancorp operates as the holding company for Old Second National Bank, a community bank serving individuals, businesses and organizations with everyday banking needs. It is known for a wide range of deposit accounts and lending products, covering everything from checking and savings to commercial, construction, residential and consumer loans, giving customers a single institution for most of their banking needs.
Beyond deposits and loans, the company earns income through additional financial services such as trust and wealth management, brokerage, cash management for businesses, and treasury-related offerings. Its corporate clients can use tools like remote deposit capture, ACH transactions, wire transfers and account reconciliation, while individual customers have access to safe deposit boxes, debit and credit cards, and online and mobile banking. Old Second serves individual, corporate and not-for-profit clients, with services delivered through banking centers across several counties in Illinois.
Founded in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp runs 63 banking centers spanning Cook, DeKalb, DuPage, Kane, Kendall, LaSalle and Will counties. Its shares are listed on the NASDAQ under the ticker OSBC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Major banks
- Website
- oldsecond.com
Old Second Bancorp GekkoIndex: the smart money zone
Old Second Bancorp’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 61.4, in the Accumulation zone, up 1.9 points over five sessions.
61.4Accumulation
Up 1.9 points over five sessions, from the Neutral zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 15 | +0.4% | +2.2% | ||
| Accumulation (current zone) | 195 | +0.4% | +4.5% | ||
| Neutral | 402 | +0.7% | +1.6% | ||
| Distribution | 63 | −0.8% | −2.2% | ||
| Selling | 7 | Too few readings yet | |||
Average OSBC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the OSBC price, zone by zone.Track OSBC in Gekko
Is Old Second Bancorp stock overvalued? Gekko Fair Value
Old Second Bancorp trades 6.2% below Gekko Fair Value of $26.48, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Old Second Bancorp shares are worth, recalculated every trading day.
$26.48
Gekko Fair Value, Oct 10, 2026
6.2% Undervalued
At the end of Aug 2026 the price was 5.0% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open OSBC in Gekko
Old Second Bancorp insider and Congress trading
No open-market insider purchases were filed for Old Second Bancorp, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in OSBC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for OSBC, plotted on the chart in Gekko.Open OSBC in Gekko
Buybacks
Old Second Bancorp has been buying back its own shares.
- Latest authorization
- $61.20M, Jun 25, 2026
- Bought back, quarter ended Jun 30, 2026
- $15.75M
- As a share of market cap
- 1.23%
- Trailing four quarters
- $46.13M
From company filings.
Old Second Bancorp earnings: next date and track record
Old Second Bancorp reports on Oct 21, 2026 (9 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Oct 21, 2026
9 days away
- EPS estimate
- $0.58
- Revenue estimate
- $98.22M
6 of 8reports beat the EPS estimate
±3.4%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jan 21, 2026 AI summary
- What they said
- Old Second Bancorp reported strong fourth-quarter 2025 results driven by a robust net interest margin (5.09%), solid profitability (GAAP net income $28.8M; operating net income excluding certain items $30.8M), and improved capital metrics (tangible book value $14.12, CET1 12.99%). The quarter included a small MSR loss and acquisition-related expenses tied to systems conversion. Management highlighted steady loan production (strongest quarter of the year), deposit runoff concentrated in higher-cost wholesale deposits (expected and partially beneficial to NIM), and continued integration of acquired operations. Powersports lending showed higher-than-normal charge-offs but strong contribution margins; management expects elevated Powersports losses near term but views the business as profitable. Management expects mid-single-digit loan growth in 2026, stable-to-strong NIM (management expressed confidence around a ~5% level over the medium term), modest expense growth (~3% year-over-year), opportunistic share repurchases to begin, and ongoing discipline on M&A. Asset quality had some migration in classified loans and nonaccruals primarily tied to a few CRE loans; special mention/watch loans declined materially in the quarter.
- Guidance
- Management provided directional guidance: expects mid-single-digit loan growth in 2026; expects NIM to be around 5% for the full year over the medium term; anticipates roughly 3% expense growth year-over-year in 2026; buybacks expected to begin in short order (opportunistic); Powersports portfolio may exhibit elevated charge-offs for a few quarters. (No specific numeric revenue or EPS guidance provided.)
- Risks flagged
- Risks mentioned include elevated charge-offs in the Powersports portfolio, concentrated runoff in certain syndicated participation and high-beta deposit buckets, some deterioration in C&I performance and specific CRE assets (slow lease-ups and lower valuations), and potential margin pressure from asset deployment decisions and interest rate moves. Also general macro/uncertainty noted in opening risk disclaimers.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 21, 2026 | $0.58 est $0.53 | $95.21M est $94.88M | +4.4% |
| Oct 22, 2025 | $0.53 est $0.26 | $94.18M est $82.88M | −1.2% |
| Jul 23, 2025 | $0.48 est $0.47 | $73.64M est $77.65M | −4.7% |
| Apr 23, 2025 | $0.45 est $0.43 | $71.73M est $60.64M | +2.3% |
| Jan 22, 2025 | $0.44 est $0.49 | — | −2.3% |
| Oct 16, 2024 | $0.51 est $0.47 | $69.70M est $70.56M | +7.8% |
| Jul 17, 2024 | $0.48 est $0.47 | $69.49M est $70.56M | −1.3% |
| Apr 17, 2024 | $0.47 est $0.47 | $69.01M est $69.80M | +3.2% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Old Second Bancorp stock forecast and analyst price targets
Analysts’ average 12-month price target for Old Second Bancorp is $28.33, +14.0% from the last close, from 3 firms rating the stock in the last 90 days.
$28.33consensus 12-month target, +14.0% from the last close
Now $24.84Avg $28.33
Low $27High $30
Each firm’s latest rating in the last 90 days: 3 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 6 | Raymond James | $30 | +20.8% |
| Jul 27 | Piper Sandler | $30 | +20.8% |
| Jul 27 | KBW | $27 | +8.7% |
+4.5%average 20-day move after past Accumulation readings
+12.5%average move over the next 20 trading days in the last 5 years
±2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Old Second Bancorp seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Old Second Bancorp averaged +12.5% across the last 5 years, rising in 5 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.5% | 3 of 5 |
| Next 10 trading days | +5.4% | 4 of 5 |
| Next 15 trading days | +7.4% | 4 of 5 |
| Next 20 trading days | +12.5% | 5 of 5 |
| Next 30 trading days | +13.2% | 4 of 5 |
For scale, OSBC’s typical 20-trading-day move in either direction is about 5.4%.
Old Second Bancorp market cap and key statistics
Old Second Bancorp’s market cap is $1.28B, with a P/E ratio of 14.1 and revenue of $341.4M over the last twelve months.
Valuation
- Market cap
- $1.28B
- P/E ratio
- 14.1
- Forward P/E
- 8.6
- EPS, TTM
- $1.76
- Gekko Fair Value
- $26.48
Trading
- Volume
- 588,832
- Avg volume, 20 days
- 572,923
- 52-week high
- $26.06
- 52-week low
- $16.65
- Shares outstanding
- 50.88M
Financials
- Revenue, TTM
- $341.4M
- Profit margin
- 27.1%
- Return on equity
- 11.4%
- Quarterly earnings growth, YoY
- +12.5%
Risk and income
- Beta
- 0.77
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.4%
- Dividend yield
- 1.09%
Old Second Bancorp stock news this week
Coverage of Old Second Bancorp this week reads positive: 4 positive, 2 neutral and 0 negative headlines.
- Old Second Bancorp (OSBC) Moves to Buy: Rationale Behind the UpgradeZacks Investment Research, Oct 9
- Revenue Beat Could Be A Game Changer For Old Second Bancorp Stock (OSBC)Simply Wall Street, Oct 9
- Congress raises OSBC stake: Old Second Bancorp stock sits 4.49 percent below highAD HOC NEWS, Oct 8
- Old Second Bancorp, Inc. $OSBC Holdings Raised by Congress Asset Management Co.MarketBeat, Oct 8
- Old Second Bancorp stock heads into Q3 results after target raiseAD HOC NEWS, Oct 7
- Old Second Bancorp stock costs EUR 22.20 ahead of third-quarter resultsAD HOC NEWS, Oct 6
Old Second Bancorp peers
Old Second Bancorp’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 6.9% below |
| BACBank of America | Accumulation | 13.1% below |
| RYRoyal Bank Of Canada | Accumulation | 6.5% below |
| WFCWells Fargo | Neutral | 8.5% below |
| CCitigroup | Neutral | 6.6% below |
| TDToronto Dominion Bank | Accumulation | 2.9% below |
A peer links to its own page where one exists.
Old Second Bancorp stock FAQ
What is Old Second Bancorp’s market cap?
Old Second Bancorp’s market cap is $1.28B at the Oct 12, 2026 close of $24.84, with 50.88M shares outstanding. The shares trade on a P/E ratio of 14.1.
What is the Old Second Bancorp stock forecast?
The consensus analyst 12-month price target for Old Second Bancorp is $28.33, +14.0% from the last close. Of the 3 firms that rated the stock in the last 90 days, 3 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Old Second Bancorp stock overvalued or undervalued?
On Gekko’s estimate Old Second Bancorp is undervalued: the Oct 12, 2026 close of $24.84 is 6.2% below Gekko Fair Value of $26.48. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Old Second Bancorp report earnings next?
Old Second Bancorp is expected to report on Oct 21, 2026 (9 days away). Analysts expect earnings of $0.58 per share on revenue of $98.22M. Old Second Bancorp beat the earnings estimate in 6 of its last 8 reports, moving 3.4% on average across the report.
What is Old Second Bancorp’s 52-week high and low?
Old Second Bancorp’s 52-week high is $26.06 and its 52-week low is $16.65; it closed at $24.84 on Oct 12, 2026, +44.6% over the past year.
Is Old Second Bancorp stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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