Fairvalue-Calculator Fairvalue-Calculator
EN DE

Old Second Bancorp, Inc (OSBC) Fair Value & Analysis

Financial Services · US · Market cap $1.1B

Price$22.89
Fair Value$20.30
Upside-11.3%
Quality95/100
Evidence: High Range $15.22 – $25.37

Analysis

Old Second Bancorp, Inc (OSBC) currently trades at $22.89, while our model-based Fair Value estimate is $20.30 — implying the stock looks roughly 11.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investmen…

Open the full interactive analysis →

Similar stocks

State Bank of India (SBID) -98% HDFC Bank Limited (HDFCBANK) +18% ICICI Bank Limited (ICICIBANK) -29% PT Bank Central Asia Tbk (BBCA) +6% KB Financial Group (105560) +12% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100%

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.