profit from every $100 of sales.
$0$100
Old Second Bancorp
$25.11+0.04% today
+36.6% in 1 year
1-year low $17.671-year high $25.91
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.46 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Old Second Bancorp sold, what it kept, and what it did with the cash.
Sales went from $245 million in 2022 to $333 million in 2025, with $80.3 million of profit last year.
SalesProfit
Old Second Bancorp handed back 17% of the cash it generated last year.
Buybacks $7M$12M
Free cash flow 2025$118M
Bought back its own shares$7M
Paid as dividends$12M
Cash vs. debt$124M vs. $315M
Old Second Bancorp vs. similar companies
Old Second Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Old Second Bancorp | 15.5× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Old Second Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 245 | 281 | 280 | 333 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 67 | 92 | 85 | 80 | |
| 1.49 | 2.02 | 1.87 | 1.62 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.5% | 32.6% | 30.5% | 24.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 5,888 | 5,723 | 5,649 | 6,903 |
| Cash | 115 | 100 | 99 | 124 |
| Total debt | 229 | 490 | 105 | 315 |
| Total liabilities | 5,427 | 5,146 | 4,978 | 6,006 |
| 461 | 577 | 671 | 897 | |
| 45 | 45 | 46 | 50 | |
| – | – | – | – | |
| 14.6% | 15.9% | 12.7% | 9.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 97 | 116 | 132 | 122 | |
| 4 | 12 | 11 | 5 | |
| 93 | 104 | 121 | 118 | |
| Dividends paid | 9 | 9 | 9 | 12 |
| 0 | 1 | 1 | 7 | |
| 3 | 4 | 4 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.5×
- 11.6×
- 5.47
- 1.2×
- 3.7×
- 6.5%
- 1.3%
Profitability
- 24.1%
- 1.3%
- 7.5%
- 10.2%
- 1.3%
Growth
- +10.8%
- +2.8%
- +44.3%
- +14.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 32%of 827
Top 35%of 709
Bottom 43%of 876
Top 40%of 879
Top 29%of 926
What analysts expect
- Average price target
- $23.67
- Range
- $23.00 – $25.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.49 | 0.52 | −5.8% |
| Jan 21, 2026 | 0.58 | 0.53 | +9.4% |
| Oct 22, 2025 | 0.53 | 0.26 | +105.2% |
| Jul 23, 2025 | 0.48 | 0.47 | +1.8% |
| Apr 23, 2025 | 0.45 | 0.43 | +5.1% |
| Jan 22, 2025 | 0.44 | 0.48 | −8.3% |
| Oct 16, 2024 | 0.50 | 0.47 | +6.4% |
| Jul 17, 2024 | 0.48 | 0.47 | +2.1% |
1.3%of the share price, paid each year
On $1,000 invested$13a year at today's yield, before tax
+44.3%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.03 in 2016 → $0.25 in 2025
How safe it looks
15.2% of its profit
Room to growStretchedMore than it earns: 10.4%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
68Pass
Philip Fisher
58No pass
Peter Lynch
28No pass
Joel Greenblatt
14No pass
Charlie Munger
49No pass
Terry Smith
51No pass
Questions about Old Second Bancorp
Is Old Second Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Old Second Bancorp AI analysis
What does Old Second Bancorp do?
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It is in Banks - Regional.
Does Old Second Bancorp pay a dividend?
Yes. At today's price the dividend is 1.3% a year, about 15% of its yearly profit. In 2025 it paid out $12.2 million in dividends.
Is Old Second Bancorp stock halal?
No. Old Second Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Old Second Bancorp stock done over the past year?
Up 36.6% over the past twelve months, to $25.11. It traded between $17.67 and $25.91 and is 3.1% below its high.
Who are Old Second Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Old Second Bancorp's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.