OSBC
Old Second Bancorp, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
25.34
▲ 0.14 (0.54%)
MARKET · —
Price
Open
25.39
Prev close
25.20
Day high
25.50
Day low
25.07
Volume
315.25K
Market cap
$1.29B
P/E (TTM)
14.64
52W range
16.65 – 26.06
Trailing performance
Returnvs SPY
1W
-2.20%
-0.8%
1M
+7.78%
+4.1%
3M
+20.21%
+17.1%
6M
+23.19%
+12.1%
YTD
+29.95%
+17.7%
1Y
+44.31%
+24.3%
3Y
+68.48%
-5.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$1.29B
Enterprise value$1.61B
Revenue (TTM)$341.37M
Gross profit$341.37M
EBITDA—
Net income$92.42M
EPS (TTM)$1.73
Free cash flow—
Total cash$147.19M
Total debt$469.15M
Book value / share$17.72
Shares outstanding50.88M
Float49.11M
Short % of float3.48%
Dividend yield1.11%
Beta (5Y)0.71
Valuation & profitability ratios
Trailing P/E14.64
Forward P/E10.62
PEG ratio1.51
Price / sales—
Price / book1.43
EV / revenue4.72
EV / EBITDA—
Gross margin0.00%
Operating margin44.69%
Profit margin27.07%
Return on equity11.40%
Return on assets1.47%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $292.96M | $243.05M | $251.93M | $206.16M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $80.31M | $85.26M | $91.73M | $67.41M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $80.31M | $85.26M | $91.73M | $67.41M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.55 | 0.55 | +0.9% |
| Mar 2026 | 0.51 | 0.49 | -4.7% |
| Dec 2025 | 0.54 | 0.58 | +8.1% |
| Sep 2025 | 0.51 | 0.53 | +4.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.58 | 6 | $84.66M | +2.3% |
| Next quarter | 0.59 | 6 | $84.86M | +2.2% |
| Current year | 2.20 | 6 | $334.51M | +14.2% |
| Next year | 2.39 | 6 | $341.63M | +2.1% |
Analyst targets & ownership
Mean target$27.50
High target$30.00
Low target$25.00
Implied upside8.55%
Analyst count6
ConsensusNONE
Strong buy / Buy3 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders4.43%
Held by institutions78.90%
Institutions holding273
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-54.04K
Net selling
Buy transactions
8
98.24K shares
Sell transactions
7
152.27K shares
Net transactions
+15
Buys less sells
Sell : buy shares
1.6 : 1
Mixed
Insider-held shares
2.25M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 12, 26 | ECCHER JAMES L Chief Executive Officer |
SELL | 19.31K | $494.70K | Direct |
| Aug 11, 26 | ECCHER JAMES L Chief Executive Officer |
SELL | 55.69K | $1.42M | Direct |
| Aug 10, 26 | LYONS BILLY J JR. Director |
STOCK | 20 | $508 | Direct |
| May 22, 26 | COLLINS GARY S Officer and Director |
SELL | 5.12K | $108.13K | Indirect |
| May 21, 26 | COLLINS GARY S Officer and Director |
SELL | 10.00K | $211.20K | Indirect |
| May 11, 26 | PILMER DONALD Officer |
SELL | 25.00K | $518.79K | Direct |
| May 11, 26 | LYONS BILLY J JR. Director |
BUY | 24 | $502 | Direct |
| May 8, 26 | COLLINS GARY S Officer and Director |
SELL | 15.00K | $318.52K | |
| Mar 20, 26 | COLLINS GARY S Officer and Director |
SELL | 22.15K | $429.44K | Direct |
| Mar 2, 26 | ECCHER JAMES L Chief Executive Officer |
STOCK | 43.82K | $0 | Direct |
| Mar 2, 26 | ADAMS BRADLEY S. Chief Operating Officer |
STOCK | 15.66K | $0 | Direct |
| Mar 2, 26 | COLLINS GARY S Officer and Director |
STOCK | 14.43K | $0 | Direct |
| Mar 2, 26 | PILMER DONALD Officer |
STOCK | 9.20K | $0 | Direct |
| Mar 2, 26 | GARTELMANN RICHARD A JR Officer |
STOCK | 4.52K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ADAMS BRADLEY S. |
Chief Operating Officer | 170.60K | Stock Award(Grant) |
CAMPBELL DARIN PATRICK |
Officer and Director | 274.59K | Sale |
COLLINS GARY S |
Officer and Director | — | Sale |
ECCHER JAMES L |
Chief Executive Officer | 303.40K | Sale |
GARTELMANN RICHARD A JR |
Officer | 42.11K | Stock Award(Grant) |
LADOWICZ JOHN |
Director | — | Sale |
LYONS BILLY J JR. |
Director | 20.12K | Stock Award(Grant) |
PILMER DONALD |
Officer | 53.71K | Sale |
TEMPLE ROCKS PATTI |
Director | — | Purchase |
Moving averages & technicals
SMA 10
25.53
-0.77% from price
SMA 20
25.49
-0.60% from price
SMA 50
23.98
+5.65% from price
SMA 100
22.52
+12.48% from price
SMA 200
21.14
+19.89% from price
EMA 12
25.41
-0.31% from price
EMA 26
24.98
+1.41% from price
EMA 50
24.15
+4.91% from price
RSI (14)
57.0
Neutral
MACD (12,26,9)
0.43
Hist -0.15
ATR (14)
0.40
1.59% of price
Realised vol 30D
18.7%
Annualised
Bollinger upper
26.14
20, 2σ
Bollinger lower
24.85
20, 2σ
50 / 200 cross
Golden
23.98 vs 21.14
Trend bias
Above 200
+19.89%
Risk profile
Beta vs SPY
0.56
Less volatile than market
Correlation to SPY
0.28
Largely independent
Realised vol 30D
18.7%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-10.9%
Peak to trough
Max drawdown 5Y
-36.6%
Peak to trough
ATR 14
0.40
1.59% of price
Beta (reported)
0.71
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.03
Call-heavy session
Put / call open interest
0.12
Positioning, not flow
Max pain
20.00
-21.1% from spot
ATM implied vol
27.7%
Nearest strike to spot
Skew (10% OTM)
+9.4%
Puts bid over calls
Call volume
98
Contracts, this expiry
Put volume
3
Contracts, this expiry
Heaviest call OI
25.00
80 contracts
Heaviest put OI
20.00
7 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
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Old Second Bancorp Insider Sold Shares Worth $494,701, According to a Recent SEC Filing
MT Newswires · 9d ago
Old Second Bancorp (OSBC) Upgraded to Strong Buy: Here's Why
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.