OSBC
Old Second Bancorp, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+35/100
Last price
25.05
▲ 0.18 (0.72%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
24.91
Prev close
24.87
Day high
25.32
Day low
24.95
Volume
922.39K
Market cap
$1.27B
P/E (TTM)
14.23
52W range
16.65 – 26.06
Day trading desk
Gap from prior close
+0.16%
Prior close 24.87
VWAP
25.08
-0.12% from price
Relative volume
3.66×
Unusually busy
Session range
1.77%
24.88 – 25.32
Position in range
39%
Mid range
ATR (14D)
0.48
1.93% of price
Prior day high
25.06
PDH
Prior day low
24.66
PDL
Bid / ask spread
—
Quote not published
Session volume
1.69M
Avg 460.49K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.62%
-0.3%
1M
-2.60%
-3.8%
3M
+10.30%
+5.8%
6M
+19.63%
+1.4%
YTD
+28.46%
+14.2%
1Y
+45.13%
+28.7%
3Y
+84.06%
+1.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
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.
Free account
5 more panels on OSBC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-225.08K
Net selling
Buy transactions
2
44 shares
Sell transactions
11
225.12K shares
Net transactions
+13
Buys less sells
Sell : buy shares
5,116.4 : 1
Heavily one-sided
Insider-held shares
2.20M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 23, 26 | COLLINS GARY S Officer and Director |
SELL | 16.00K | $395.08K | Direct |
| Sep 8, 26 | MCLEAN HUGH H Director |
SELL | 25.00K | $640.77K | Direct |
| Sep 4, 26 | COLLINS GARY S Officer and Director |
SELL | 5.00K | $128.53K | Indirect |
| Sep 3, 26 | MCLEAN HUGH H Director |
SELL | 25.00K | $643.17K | Direct |
| Sep 2, 26 | CAMPBELL DARIN PATRICK Officer and Director |
SELL | 24.00K | $612.79K | Direct |
| 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 |
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 | 261.15K | Sale |
COLLINS GARY S |
Officer and Director | 74.37K | 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) |
MCLEAN HUGH H |
Director | 135.35K | Sale |
PILMER DONALD |
Officer | 53.71K | Sale |
TEMPLE ROCKS PATTI |
Director | — | Purchase |
Fundamentals
Market cap$1.27B
Enterprise value$1.60B
Revenue (TTM)$341.37M
Gross profit$341.37M
EBITDA—
Net income$92.42M
EPS (TTM)$1.76
Free cash flow—
Total cash$147.19M
Total debt$469.15M
Book value / share$17.72
Shares outstanding50.88M
Float49.18M
Short % of float5.04%
Dividend yield1.12%
Beta (5Y)0.77
Valuation & profitability ratios
Trailing P/E14.23
Forward P/E10.25
PEG ratio1.51
Price / sales—
Price / book1.41
EV / revenue4.68
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 | YoY |
|---|---|---|---|---|---|
| Total revenue | $333.10M | $279.90M | $280.99M | $244.92M | +19.0% |
| Operating revenue | $333.10M | $279.90M | $280.99M | $244.92M | +19.0% |
| Selling, general & admin | $130.29M | $103.08M | $93.20M | $90.78M | +26.4% |
| Pre-tax income | $107.75M | $112.96M | $124.41M | $91.55M | -4.6% |
| Tax provision | $27.44M | $27.69M | $32.68M | $24.14M | -0.9% |
| Net income | $80.31M | $85.26M | $91.73M | $67.41M | -5.8% |
| Net income to common | $80.31M | $85.26M | $91.73M | $67.41M | -5.8% |
| Basic EPS | 1.64 | 1.90 | 2.05 | 1.51 | -13.7% |
| Diluted EPS | 1.62 | 1.87 | 2.02 | 1.49 | -13.4% |
| Basic shares | 48.88M | 44.83M | 44.66M | 44.53M | +9.0% |
| Diluted shares | 49.67M | 45.64M | 45.40M | 45.21M | +8.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $124.03M | $99.33M | $100.14M | $115.18M | +24.9% |
| Property, plant & equipment | $86.64M | $87.31M | $79.31M | $72.36M | -0.8% |
| Goodwill & intangibles | $162.35M | $125.67M | $108.04M | $111.34M | +29.2% |
| Total assets | $6.90B | $5.65B | $5.72B | $5.89B | +22.2% |
| Current debt | $215.00M | $20.00M | $405.00M | $90.00M | +975.0% |
| Long-term debt | $100.15M | $85.24M | $85.16M | $138.66M | +17.5% |
| Total debt | $315.15M | $105.24M | $490.15M | $228.66M | +199.5% |
| Total liabilities | $6.01B | $4.98B | $5.15B | $5.43B | +20.6% |
| Retained earnings | $537.23M | $469.17M | $393.31M | $310.51M | +14.5% |
| Shareholder equity | $896.77M | $671.03M | $577.28M | $461.14M | +33.6% |
| Net tangible assets | $734.42M | $545.37M | $469.24M | $349.80M | +34.7% |
| Shares issued | 53.02M | 44.91M | 44.71M | 44.71M | +18.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $80.31M | $85.26M | $91.73M | $67.41M | -5.8% |
| Depreciation & amortisation | $11.25M | $9.16M | $7.70M | $6.88M | +22.9% |
| Stock-based compensation | $5.55M | $3.91M | $3.60M | $2.96M | +41.8% |
| Change in working capital | -$342.00K | $19.99M | -$7.12M | $16.63M | -101.7% |
| Operating cash flow | $122.26M | $131.53M | $116.40M | $97.34M | -7.0% |
| Capital expenditure | -$4.50M | -$10.79M | -$12.38M | -$4.33M | +58.2% |
| Investing cash flow | $159.82M | $322.70M | $161.56M | -$432.78M | -50.5% |
| Share buybacks | -$7.41M | -$1.05M | -$605.00K | -$455.00K | -607.3% |
| Dividends paid | -$12.24M | -$9.41M | -$8.95M | -$8.88M | -30.0% |
| Financing cash flow | -$257.39M | -$455.05M | -$292.99M | -$301.50M | +43.4% |
| Free cash flow | $117.76M | $120.75M | $104.03M | $93.01M | -2.5% |
| End cash position | $124.03M | $99.33M | $100.14M | $115.18M | +24.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $94.99M | $92.25M | $93.55M | $94.18M | $73.64M | +3.0% |
| Operating revenue | $94.99M | $92.25M | $93.55M | $94.18M | $73.64M | +3.0% |
| Selling, general & admin | $31.70M | $31.34M | $32.37M | $41.56M | $28.37M | +1.1% |
| Pre-tax income | $37.84M | $34.06M | $39.27M | $13.07M | $29.21M | +11.1% |
| Tax provision | $9.66M | $8.48M | $10.48M | $3.20M | $7.39M | +13.9% |
| Net income | $28.18M | $25.59M | $28.79M | $9.87M | $21.82M | +10.1% |
| Net income to common | $28.18M | $25.59M | $28.79M | $9.87M | $21.82M | +10.1% |
| Basic EPS | 0.55 | 0.49 | 0.55 | 0.19 | 0.49 | +12.2% |
| Diluted EPS | 0.54 | 0.48 | 0.54 | 0.18 | 0.48 | +12.5% |
| Basic shares | 51.25M | 52.21M | 52.67M | 52.69M | 45.05M | -1.8% |
| Diluted shares | 52.12M | 53.30M | 53.48M | 53.51M | 45.84M | -2.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $143.33M | $115.73M | $124.03M | $116.53M | $141.77M | +23.9% |
| Property, plant & equipment | $84.50M | $85.63M | $86.64M | $87.71M | $85.70M | -1.3% |
| Goodwill & intangibles | $160.37M | $161.29M | $162.35M | $164.74M | $122.88M | -0.6% |
| Total assets | $6.87B | $6.85B | $6.90B | $6.99B | $5.70B | +0.3% |
| Current debt | $375.00M | $200.00M | $215.00M | $165.00M | $0 | +87.5% |
| Long-term debt | $70.42M | $100.19M | $100.15M | $100.12M | $85.28M | -29.7% |
| Total debt | $445.42M | $300.19M | $315.15M | $265.12M | $85.28M | +48.4% |
| Total liabilities | $5.97B | $5.96B | $6.01B | $6.13B | $4.98B | +0.2% |
| Retained earnings | $583.70M | $559.13M | $537.23M | $512.13M | $505.42M | +4.4% |
| Shareholder equity | $902.81M | $893.30M | $896.77M | $866.68M | $718.65M | +1.1% |
| Net tangible assets | $742.44M | $732.01M | $734.42M | $701.95M | $595.76M | +1.4% |
| Shares issued | 50.94M | 53.02M | 53.02M | 53.02M | 45.09M | -3.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $28.18M | $25.59M | $28.79M | $9.87M | $21.82M | +10.1% |
| Depreciation & amortisation | $2.38M | $2.36M | $2.41M | $3.42M | $2.72M | +1.0% |
| Stock-based compensation | $1.41M | $1.44M | $1.46M | $1.56M | $1.15M | -2.2% |
| Change in working capital | -$16.29M | -$2.77M | $3.40M | $13.93M | -$8.15M | -487.5% |
| Operating cash flow | $28.59M | $36.94M | $44.24M | $35.94M | $24.25M | -22.6% |
| Capital expenditure | -$667.00K | -$769.00K | -$881.00K | -$1.23M | -$789.00K | +13.3% |
| Investing cash flow | -$6.48M | $29.59M | $81.46M | $91.79M | -$90.16M | -121.9% |
| Share buybacks | -$15.75M | -$24.45M | -$36.00K | -$5.88M | -$62.00K | +35.6% |
| Dividends paid | -$3.62M | -$3.69M | -$3.69M | -$3.15M | -$2.70M | +1.8% |
| Financing cash flow | $5.50M | -$74.82M | -$118.20M | -$152.97M | -$48.44M | +107.4% |
| Free cash flow | $27.92M | $36.17M | $43.36M | $34.72M | $23.46M | -22.8% |
| End cash position | $143.33M | $115.73M | $124.03M | $116.53M | $141.77M | +23.9% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
25.00
-0.2% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
20
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
25.00
0 contracts
Heaviest put OI
—
—
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.
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 | $84.76M | +2.4% |
| Next quarter | 0.59 | 6 | $85.06M | +2.4% |
| Current year | 2.21 | 6 | $334.81M | +14.3% |
| Next year | 2.42 | 6 | $343.78M | +2.7% |
Analyst targets & ownership
Mean target$27.50
High target$30.00
Low target$25.00
Implied upside9.78%
Analyst count6
ConsensusBUY
Strong buy / Buy3 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders4.33%
Held by institutions78.82%
Institutions holding273
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
24.78
+1.09% from price
SMA 20
24.98
+0.28% from price
SMA 50
25.27
-0.88% from price
SMA 100
23.81
+5.22% from price
SMA 200
22.08
+13.46% from price
EMA 12
24.88
+0.70% from price
EMA 26
24.97
+0.33% from price
EMA 50
24.78
+1.10% from price
RSI (14)
51.9
Neutral
MACD (12,26,9)
-0.09
Hist 0.00
ATR (14)
0.48
1.93% of price
Realised vol 30D
12.8%
Annualised
Bollinger upper
25.64
20, 2σ
Bollinger lower
24.32
20, 2σ
50 / 200 cross
Golden
25.27 vs 22.08
Trend bias
Above 200
+13.46%
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.
Risk profile
Beta vs SPY
0.50
Less volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
12.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-10.2%
Peak to trough
Max drawdown 5Y
-36.6%
Peak to trough
ATR 14
0.48
1.93% of price
Beta (reported)
0.77
5Y monthly, from filing
Short interest
Shares short
2.47M
Prior 1.83M
Change vs prior
+35.0%
Shorts adding
% of float
5.04%
Normal
% of shares out
4.85%
Against total outstanding
Days to cover
6.2
Crowded exit
Float
49.18M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | Raymond James | UPGRADE | Outperform | Strong Buy |
| Jul 27, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 25, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Jun 26, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 27, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jan 23, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Oct 24, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 25, 25 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Jul 2, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 25, 25 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
| Apr 25, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Feb 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$0.28 / yr
Forward yield1.12%
5-year avg yield1.30%
Payout ratio15.34%
Ex-dividend dateJul 31, 2026
Next pay dateAug 10, 2026
Last split2:1
Split dateJul 29, 2004
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-10-01
Offering Registrations
S-3ASR · 2026-08-18
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-07-08
Corporate Changes & Voting Matters
8-K · 2026-07-01
Annual report of employee stock purchase
11-K · 2026-06-29
Headlines
Raymond James Upgrades Old Second Bancorp to Strong Buy From Outperform, Raises Price Target to $30 From $27
MT Newswires · 20h ago
2 Safe-and-Steady Stocks on Our Watchlist and 1 Facing Challenges
StockStory · 6d ago
2 Reasons to Watch OSBC and 1 to Stay Cautious
StockStory · 13d ago
1 Bank Stock Worth Investigating and 2 We Avoid
StockStory · 19d ago
O2 Sponsor Finance Hires Kyle Bucsa as Assistant Vice President
ACCESS Newswire · 28d ago
Old Second Bancorp Insider Sold Shares Worth $640,768, According to a Recent SEC Filing
MT Newswires · 28d ago
O2 Sponsor Finance Hires Aaron Markos as Senior Vice President
ACCESS Newswire · 35d ago
1 Stock Under $50 with Solid Fundamentals and 2 Facing Challenges
StockStory · 42d ago
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.