Nama's AI scorecard currently rates Old Second Bancorp Sell (4.1 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is OSBC's P/E ratio?

Old Second Bancorp trades at a trailing price-to-earnings ratio of 11.2.

When does OSBC report earnings?

Old Second Bancorp's next scheduled report is on Jan 20, 2027. Analysts expect EPS of $0.57.

What is the OSBC price target?

The median analyst price target from 6 analysts is $29.00, with a range of $25.00 – $29.00.

Is OSBC Shariah compliant?

Nama's AAOIFI-style screen reads Old Second Bancorp as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does OSBC pay a dividend?

Yes — Old Second Bancorp's dividend yield is 1.3%.

Nama Insights

Old Second Bancorp (OSBC)

Financial Services · Banks Regional · NASDAQ

Old Second Bancorp (OSBC) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $1.21B and a trailing price-to-earnings ratio of 11.2. Over the most recent reported fiscal year, revenue grew 19.0%. Nama's AI scorecard rates it Sell, 4.1 out of 10. On 12-month momentum it ranks in the leading band of its market.

AI scorecard

Sell · 4.1/10

Negative, at the mild end of Sell. As of Nov 7, 2026.

Momentum

Leading · +35.5% over 12 months ex. last

Top 20% of its market on the past year's steady rise.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-6.3%

How far the last close sits under the highest price of the past five years.

Market cap	$1.21B
Trailing P/E	11.2
Price / book	1.4
Price / sales	3.5
FCF yield	—
Dividend yield	1.3%
Gross margin	0.0%
Operating margin	—
Net margin	31.3%
Revenue growth (YoY)	+19.0%
Revenue growth (3-yr annual)	+10.8%
EPS growth (YoY)	+9.6%
FCF/share growth (YoY)	—
Beta	0.8
Exchange	NASDAQ
Sector	Financial Services
Industry	Banks Regional

OSBC earnings

Next report: Jan 20, 2027 (Q4 2026, EPS estimate $0.57). Beat the EPS estimate in 1 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 21, 2026	$0.55	$0.58	-5.2%	—
Q2 2026	Jul 22, 2026	$0.55	$0.55	+0.0%	$94.99M
Q1 2026	Apr 22, 2026	$0.49	$0.51	-3.9%	$92.25M
Q4 2025	Jan 21, 2026	$0.58	$0.54	+7.4%	$93.55M

OSBC analyst price target

Median target $29.00 from 6 analysts, ranging $25.00 – $29.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live OSBC data on Nama Insights →

OSBC FAQ

Is OSBC a buy?: Nama's AI scorecard currently rates Old Second Bancorp Sell (4.1 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is OSBC's P/E ratio?: Old Second Bancorp trades at a trailing price-to-earnings ratio of 11.2.
When does OSBC report earnings?: Old Second Bancorp's next scheduled report is on Jan 20, 2027. Analysts expect EPS of $0.57.
What is the OSBC price target?: The median analyst price target from 6 analysts is $29.00, with a range of $25.00 – $29.00.
Is OSBC Shariah compliant?: Nama's AAOIFI-style screen reads Old Second Bancorp as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does OSBC pay a dividend?: Yes — Old Second Bancorp's dividend yield is 1.3%.