Old Second Bancorp (NASDAQ:OSBC) Issues Quarterly Earnings Results

Old Second Bancorp (NASDAQ:OSBC) released its earnings results on Wednesday. The financial services provider reported $0.58 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.53 by $0.05, Zacks reports. The company had revenue of $95.21 million for the quarter, compared to the consensus estimate of $82.49 million. Old Second Bancorp had a net margin of 18.89% and a return on equity of 12.34%.

Old Second Bancorp Trading Up 5.4%

Shares of NASDAQ OSBC opened at $21.47 on Thursday. The company’s fifty day moving average is $19.70 and its 200-day moving average is $18.55. The stock has a market cap of $1.13 billion, a price-to-earnings ratio of 14.22 and a beta of 0.82. Old Second Bancorp has a twelve month low of $14.14 and a twelve month high of $21.51. The company has a quick ratio of 0.89, a current ratio of 0.89 and a debt-to-equity ratio of 0.12.

Old Second Bancorp Dividend Announcement

The company also recently announced a quarterly dividend, which will be paid on Monday, February 9th. Shareholders of record on Friday, January 30th will be issued a $0.07 dividend. The ex-dividend date is Friday, January 30th. This represents a $0.28 annualized dividend and a yield of 1.3%. Old Second Bancorp’s dividend payout ratio (DPR) is 18.54%.

Wall Street Analyst Weigh In

A number of equities research analysts recently weighed in on OSBC shares. Wall Street Zen raised shares of Old Second Bancorp from a “sell” rating to a “hold” rating in a research note on Saturday, October 25th. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Old Second Bancorp in a report on Wednesday, October 8th. Finally, Keefe, Bruyette & Woods increased their price target on Old Second Bancorp from $22.00 to $23.00 and gave the company an “outperform” rating in a research note on Friday, October 24th. Four analysts have rated the stock with a Buy rating and one has given a Hold rating to the company. Based on data from MarketBeat, the company currently has a consensus rating of “Moderate Buy” and an average price target of $21.63.

Key Stories Impacting Old Second Bancorp

Here are the key news stories impacting Old Second Bancorp this week:

• Positive Sentiment: Q4 EPS beat — Old Second reported $0.58 GAAP EPS vs. the Zacks/consensus $0.53 estimate, signaling stronger profitability than expected. Article Title
• Positive Sentiment: Revenue materially exceeded estimates — Q4 revenue came in at ~$95.2M versus consensus near ~$82–82.5M, supporting the EPS beat and pointing to stronger loan, fee or noninterest income performance. Article Title
• Positive Sentiment: Net income jumped QoQ and YoY — The company reported Q4 net income of $28.8M, or $0.54 per diluted share, well above the prior quarter and ahead of the prior-year quarter, showing improving earnings momentum. Article Title
• Positive Sentiment: Dividend maintained — Old Second declared a $0.07 quarterly dividend (ex-dividend Jan 30; pay Feb 9), which supports income-focused holders even though yield is modest. Article Title
• Neutral Sentiment: Analyst previews and metric checks — Several previews and writeups (Benzinga, Zacks, Yahoo) provided expectations and noted key metrics to watch (credit quality, yields, margin trends); these items frame investor expectations but don’t change the headline beat. Article Title Article Title
• Negative Sentiment: Liquidity metric below 1.0 — The company’s reported current and quick ratios (~0.89) are under 1.0, which could concern some investors focused on short-term liquidity or deposit trends (banks have different balance-sheet dynamics, but the numbers bear monitoring).
• Negative Sentiment: Modest dividend yield — The $0.07 quarterly dividend equates to ~1.3% annual yield, which may disappoint income investors seeking higher yield from regional banks.

Insider Activity at Old Second Bancorp

In related news, insider Darin Patrick Campbell sold 31,159 shares of the firm’s stock in a transaction on Friday, October 31st. The stock was sold at an average price of $17.89, for a total transaction of $557,434.51. The sale was disclosed in a filing with the SEC, which is available at this hyperlink. 3.80% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently added to or reduced their stakes in the business. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. increased its holdings in shares of Old Second Bancorp by 4.3% in the first quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 25,864 shares of the financial services provider’s stock valued at $430,000 after purchasing an additional 1,067 shares during the last quarter. EverSource Wealth Advisors LLC boosted its holdings in shares of Old Second Bancorp by 458.5% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 1,480 shares of the financial services provider’s stock worth $26,000 after buying an additional 1,215 shares during the period. Sei Investments Co. grew its stake in Old Second Bancorp by 2.7% in the 3rd quarter. Sei Investments Co. now owns 55,126 shares of the financial services provider’s stock valued at $953,000 after buying an additional 1,470 shares during the last quarter. Intech Investment Management LLC raised its holdings in Old Second Bancorp by 8.8% in the 3rd quarter. Intech Investment Management LLC now owns 20,047 shares of the financial services provider’s stock valued at $347,000 after acquiring an additional 1,620 shares during the period. Finally, First Trust Advisors LP lifted its position in Old Second Bancorp by 6.4% during the second quarter. First Trust Advisors LP now owns 28,937 shares of the financial services provider’s stock worth $513,000 after acquiring an additional 1,752 shares during the last quarter. 67.76% of the stock is owned by institutional investors and hedge funds.

Old Second Bancorp Company Profile

Old Second Bancorp, Inc is a bank holding company based in Aurora, Illinois, serving businesses and consumers through its primary subsidiary, Old Second National Bank. The company provides a broad range of commercial and retail banking services across the suburban Chicago marketplace, supported by a branch network and online platforms designed to meet the financial needs of local communities.

In its commercial banking division, Old Second offers lending solutions that include lines of credit, term loans, equipment financing and commercial real estate financing.