Lumida
/OSBC
⌘K
Old Second Bancorp Inc

Old Second Bancorp Inc

OSBC
$25.58USD+0.20%+0.05 today

MARKET CAP

1.3B

P/E (TTM)

15.5x

FWD P/E

DAY RANGE

$25 – $26

52W RANGE

$17
$26

AI Summary

Stalk
StalkMedium

OSBC sits at 52-week highs but the active Bullish Exhaustion pattern and extreme overbought readings point to a likely short-term pullback. The medium-term Stage 2 advance—with higher highs and lows above rising EMAs—remains intact, supporting a bullish bias. We will stalk for a clean pullback into the rising 9/20 EMA support band for a low-risk entry under a COMP accumulation approach.

  • Q2 net income $28.2M (EPS $0.54) and ROA 1.65% demonstrate strong profitability
  • Net interest margin improved to 5.23%; tangible book value rose to $14.77
  • Net charge-offs of $9.2M in PowerSports and CRE signal asset quality risks
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$144.4M$259.6M$326.1M$341.7M$401.5M
YoY %+1.9%+79.7%+25.6%+4.8%+17.5%
P / Sales2.7x2.8x2.1x2.4x2.4x
EV / Sales41.9x23.5x17.7x16.8x17.2x
Gross Profit, Adj.$136.0M$249.3M$286.1M$285.5M$339.3M
YoY %+5.2%+83.3%+14.8%-0.2%+18.9%
Margin %94.1%96.0%87.7%83.5%84.5%
EV / Gross Profit44.6x24.5x20.2x20.1x20.4x
EBITDA, Adj.$27.9M$91.5M$124.4M$113.0M$107.8M
YoY %-25.5%+228.5%+35.9%-9.2%-4.6%
Margin %19.3%35.3%38.1%33.1%26.8%
EV / EBITDA217.4x66.6x46.5x50.8x64.2x
EBIT$27.9M$91.5M$124.4M$113.0M$107.8M
YoY %-25.5%+228.5%+35.9%-9.2%-4.6%
Margin %19.3%35.3%38.1%33.1%26.8%
EV / EBIT217.4x66.6x46.5x50.8x64.2x
Net Income$20.0M$67.4M$91.7M$85.3M$80.3M
YoY %-28.0%+236.3%+36.1%-7.0%-5.8%
Net Margin13.9%26.0%28.1%25.0%20.0%
EPS (GAAP)$0.65$1.49$2.02$1.87$1.62
YoY %-29.3%+129.2%+35.6%-7.4%-13.4%