Old Second Bancorp, Inc. (OSBC) Stock Score, Valuation & Financial Research
Old Second Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 54/100.
Quick answer for OSBC
Old Second Bancorp, Inc. currently has a Wall Street Score of 54/100. The stored market price is $25.58. Its financial score is 17/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Old Second Bancorp, Inc. does
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes,
OSBC financial snapshot
- Wall Street Score:
- 54/100
- Current price:
- $25.58
- Market capitalization:
- $1.32B
- Revenue:
- $429.9M
- Net income:
- $92.4M
- Free cash flow:
- $117.8M
- Cash:
- $46.7M
- Total debt:
- $327.6M
- EPS:
- 1.64
- P/E ratio:
- 15.6x
- Financial score:
- 17/100
- Valuation score:
- 93/100
- Revenue score:
- 37/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $117.8M, showing positive cash generation.
- The balance sheet shows $46.7M of cash versus $327.6M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 17/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research OSBC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.