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Illinois bank holding company serving the Chicago suburbs with commercial, retail and wealth management banking.
Illinois bank holding company serving the Chicago suburbs with commercial, retail and wealth management banking.
Earns mainly from the spread between interest on loans and what it pays on deposits, supported by service charges and wealth-management fees. Acquisitions such as West Suburban and Evergreen Bank Group extended its reach across the Chicago suburbs.
Moat: narrow (distribution). Established Chicago-suburb deposit franchise built through decades of local operation and acquisitions.
Headquarters: Aurora, Illinois · Employees: 1,062
Size Old Second Bancorp (OSBC) is a United States Financials company (Major Banks) with a market value of $1.24B, the 2116th largest of 3,117 United States companies the cockpit tracks. Shares closed at $24.40 on 6 Nov 2026.
Performance Over six months the shares gained 14.7%, against +11.6% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 22.4% over the last twelve months (peer median +8.3%); the operating margin is 39.1% (peer median 29.9%).
Valuation It trades at 1.37× book value against a peer median of 1.24× (8th most expensive of 21).
Price implies The share price implies a return on equity of about 10.9%; Old Second Bancorp delivers 12.8%, so the price asks less than the business earns today.
Short interest Short interest is 6.0% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $456M | $402M | $342M | $326M | $260M |
| Revenue growth | — | +17% | +5% | +26% | — |
| Net income | $111M | $80.3M | $85.3M | $91.7M | $67.4M |
| Free cash flow | $172M | $118M | $120M | $104M | $87.8M |
| Capital expenditure | $3.98M | $5.55M | $11.8M | $13.0M | $4.92M |
| Total debt | $490M | $339M | $142M | $517M | $261M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Old Second Bancorp OSBC | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% |
| Wintrust Financial WTFC | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% |
| First Busey BUSE | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% |
| Byline Bancorp BY | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% |
| Midland States Bancorp MSBI | $660M | +12% | -21% | 10% | 1.57× | 11.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | OSBC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.9% | +2.1% | 7th lowest of 21 |
| 6-month return | +14.7% | +11.6% | 9th highest of 21 |
| Return on equity | 12.8% | 11.1% | 8th highest of 21 |
| Price / book | 1.37× | 1.24× | 8th most expensive of 21 |
| Trailing P/E | 11.5× | 11.2× | 10th most expensive of 20 |
| ROE the price implies | 10.9% | 9.2% | 8th most demanding of 21 |
| ROE delivered | 12.8% | 11.6% | 8th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Old Second Bancorp OSBC | United States | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% | 12.8% |
| Norion Bank NORION.ST | Sweden | $1.18B | +33% | -2% | 13% | 1.23× | 6.8% | 12.6% |
| Toho Bank 8346.T | Japan | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% | 6.6% |
| Yamanashi Chuo Bank 8360.T | Japan | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% | 5.0% |
| Amerant Bancorp AMTB | United States | $1.15B | +26% | -8% | 8% | 1.38× | 11.0% | 7.5% |
| Senshu Ikeda Holdings,Inc 8714.T | Japan | $1.41B | -14% | +29% | 8% | 0.88× | 6.0% | 8.0% |
| Avarda Bank AVARDA.ST | Sweden | $1.47B | +42% | +22% | 26% | 4.29× | 23.7% | 26.0% |
| Punjab & Sind Bank PSB.NS | India | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% | 10.7% |
| Renta 4 Banco R4.MC | Spain | $984M | +13% | +12% | 29% | 4.15× | 13.9% | 29.0% |
| Esquire Financial ESQ | United States | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% | 10.5% |
| Camden National CAC | United States | $980M | +18% | +6% | 13% | 1.36× | 9.5% | 12.9% |
| Pathward Financial CASH | United States | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% | 20.9% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |
| Hope Bancorp HOPE | United States | $1.68B | +6% | +7% | 6% | 0.75× | 7.6% | 5.9% |
| Farmers National Banc FMNB | United States | $914M | +9% | +26% | 12% | 1.28× | 10.2% | 11.6% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |
| First Financial THFF | United States | $907M | +12% | +10% | 14% | 1.37× | 8.6% | 14.3% |
| O-Bank 2897.TW | Taiwan | $889M | +4% | -7% | 6% | 0.68× | 2.8% | 5.6% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |