Old Second Bancorp Net Income
| OSBC Stock | USD 21.04 0.38 1.84% |
As of the 7th of February, Old Second holds the Semi Deviation of 1.46, coefficient of variation of 694.93, and Risk Adjusted Performance of 0.1214. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Old Second, as well as the relationship between them.
Old Second Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.2129 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 98.1 M | 103 M | |
| Net Income Applicable To Common Shares | 77.5 M | 81.4 M | |
| Net Income From Continuing Ops | 98.1 M | 103 M | |
| Net Income Per Share | 1.52 | 1.60 | |
| Net Income Per E B T | 0.75 | 0.74 |
Old | Net Income | Build AI portfolio with Old Stock |
Analyzing Old Second's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Old Second's current valuation and future prospects.
Latest Old Second's Net Income Growth Pattern
Below is the plot of the Net Income of Old Second Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Old Second Bancorp financial statement analysis. It represents the amount of money remaining after all of Old Second Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Old Second's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Old Second's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 85.26 M | 10 Years Trend |
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Net Income |
| Timeline |
Old Net Income Regression Statistics
| Arithmetic Mean | 39,342,794 | |
| Geometric Mean | 20,777,979 | |
| Coefficient Of Variation | 87.59 | |
| Mean Deviation | 30,020,464 | |
| Median | 27,825,000 | |
| Standard Deviation | 34,462,264 | |
| Sample Variance | 1187.6T | |
| Range | 98.2M | |
| R-Value | 0.75 | |
| Mean Square Error | 559T | |
| R-Squared | 0.56 | |
| Significance | 0.0006 | |
| Slope | 5,101,343 | |
| Total Sum of Squares | 19002.4T |
Old Net Income History
Other Fundumenentals of Old Second Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Old Second Net Income component correlations
Old Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Old Second is extremely important. It helps to project a fair market value of Old Stock properly, considering its historical fundamentals such as Net Income. Since Old Second's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Old Second's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Old Second's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could Old diversify its offerings? Factors like these will boost the valuation of Old Second. Anticipated expansion of Old directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Old Second data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.286 | Dividend Share 0.25 | Earnings Share 1.62 | Revenue Per Share | Quarterly Revenue Growth 0.323 |
Old Second Bancorp's market price often diverges from its book value, the accounting figure shown on Old's balance sheet. Smart investors calculate Old Second's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Old Second's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Old Second's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Old Second should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Old Second's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Old Second 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Old Second's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Old Second.
| 11/09/2025 |
| 02/07/2026 |
If you would invest 0.00 in Old Second on November 9, 2025 and sell it all today you would earn a total of 0.00 from holding Old Second Bancorp or generate 0.0% return on investment in Old Second over 90 days. Old Second is related to or competes with Tompkins Financial, FirstSun Capital, Texas Capital, Peoples Bancorp, Southside Bancshares, Burke Herbert, and First Mid. Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banki... More
Old Second Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Old Second's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Old Second Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.64 | |||
| Information Ratio | 0.0938 | |||
| Maximum Drawdown | 11.79 | |||
| Value At Risk | (1.66) | |||
| Potential Upside | 3.09 |
Old Second Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Old Second's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Old Second's standard deviation. In reality, there are many statistical measures that can use Old Second historical prices to predict the future Old Second's volatility.| Risk Adjusted Performance | 0.1214 | |||
| Jensen Alpha | 0.1676 | |||
| Total Risk Alpha | 0.0706 | |||
| Sortino Ratio | 0.1023 | |||
| Treynor Ratio | 0.2465 |
Old Second February 7, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1214 | |||
| Market Risk Adjusted Performance | 0.2565 | |||
| Mean Deviation | 1.3 | |||
| Semi Deviation | 1.46 | |||
| Downside Deviation | 1.64 | |||
| Coefficient Of Variation | 694.93 | |||
| Standard Deviation | 1.79 | |||
| Variance | 3.21 | |||
| Information Ratio | 0.0938 | |||
| Jensen Alpha | 0.1676 | |||
| Total Risk Alpha | 0.0706 | |||
| Sortino Ratio | 0.1023 | |||
| Treynor Ratio | 0.2465 | |||
| Maximum Drawdown | 11.79 | |||
| Value At Risk | (1.66) | |||
| Potential Upside | 3.09 | |||
| Downside Variance | 2.69 | |||
| Semi Variance | 2.13 | |||
| Expected Short fall | (1.63) | |||
| Skewness | (0.38) | |||
| Kurtosis | 2.86 |
Old Second Bancorp Backtested Returns
Old Second appears to be very steady, given 3 months investment horizon. Old Second Bancorp maintains Sharpe Ratio (i.e., Efficiency) of 0.13, which implies the firm had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Old Second Bancorp, which you can use to evaluate the volatility of the company. Please evaluate Old Second's Coefficient Of Variation of 694.93, semi deviation of 1.46, and Risk Adjusted Performance of 0.1214 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Old Second holds a performance score of 10. The company holds a Beta of 1.0, which implies a somewhat significant risk relative to the market. Old Second returns are very sensitive to returns on the market. As the market goes up or down, Old Second is expected to follow. Please check Old Second's coefficient of variation, maximum drawdown, skewness, as well as the relationship between the total risk alpha and downside variance , to make a quick decision on whether Old Second's historical price patterns will revert.
Auto-correlation | 0.39 |
Below average predictability
Old Second Bancorp has below average predictability. Overlapping area represents the amount of predictability between Old Second time series from 9th of November 2025 to 24th of December 2025 and 24th of December 2025 to 7th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Old Second Bancorp price movement. The serial correlation of 0.39 indicates that just about 39.0% of current Old Second price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.39 | |
| Spearman Rank Test | 0.43 | |
| Residual Average | 0.0 | |
| Price Variance | 0.3 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Old Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Old Second Bancorp reported net income of 85.26 M. This is 93.33% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 85.07% higher than that of the company.
Old Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Old Second's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Old Second could also be used in its relative valuation, which is a method of valuing Old Second by comparing valuation metrics of similar companies.Old Second is currently under evaluation in net income category among its peers.
Old Second ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Old Second's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Old Second's managers, analysts, and investors.Environmental | Governance | Social |
Old Second Institutional Holders
Institutional Holdings refers to the ownership stake in Old Second that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Old Second's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Old Second's value.| Shares | Manufacturers Life Insurance Co | 2025-06-30 | 934.5 K | Jpmorgan Chase & Co | 2025-06-30 | 849.9 K | Stieven Capital Advisors, L.p. | 2025-06-30 | 717 K | Alliancebernstein L.p. | 2025-06-30 | 713.7 K | Aqr Capital Management Llc | 2025-06-30 | 520.9 K | Bridgeway Capital Management, Llc | 2025-06-30 | 484.5 K | Jacobs Asset Management, Llc | 2025-06-30 | 462.5 K | Northern Trust Corp | 2025-06-30 | 414.4 K | Nuveen, Llc | 2025-06-30 | 383 K | Blackrock Inc | 2025-06-30 | 3.5 M | Vanguard Group Inc | 2025-06-30 | 2.7 M |
Old Fundamentals
| Return On Equity | 0.1 | ||||
| Return On Asset | 0.0128 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.45 % | ||||
| Current Valuation | 1.32 B | ||||
| Shares Outstanding | 52.67 M | ||||
| Shares Owned By Insiders | 4.73 % | ||||
| Shares Owned By Institutions | 70.17 % | ||||
| Number Of Shares Shorted | 1.12 M | ||||
| Price To Earning | 13.09 X | ||||
| Price To Book | 1.21 X | ||||
| Price To Sales | 3.56 X | ||||
| Revenue | 396.97 M | ||||
| Gross Profit | 311.34 M | ||||
| EBITDA | 120.83 M | ||||
| Net Income | 85.26 M | ||||
| Cash And Equivalents | 281.34 M | ||||
| Cash Per Share | 6.31 X | ||||
| Total Debt | 338.92 M | ||||
| Debt To Equity | 12.32 % | ||||
| Book Value Per Share | 17.03 X | ||||
| Cash Flow From Operations | 131.53 M | ||||
| Short Ratio | 3.87 X | ||||
| Earnings Per Share | 1.62 X | ||||
| Price To Earnings To Growth | 2.60 X | ||||
| Target Price | 23.8 | ||||
| Number Of Employees | 877 | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 1.11 B | ||||
| Total Asset | 6.9 B | ||||
| Retained Earnings | 537.23 M | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 0.60 % | ||||
| Net Asset | 6.9 B | ||||
| Last Dividend Paid | 0.25 |
About Old Second Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Old Second Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Old Second using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Old Second Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Old Second Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Old Second's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Old Second Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Old Second Bancorp Stock:Check out You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.
Will Regional Banks sector continue expanding? Could Old diversify its offerings? Factors like these will boost the valuation of Old Second. Anticipated expansion of Old directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Old Second data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.286 | Dividend Share 0.25 | Earnings Share 1.62 | Revenue Per Share | Quarterly Revenue Growth 0.323 |
Old Second Bancorp's market price often diverges from its book value, the accounting figure shown on Old's balance sheet. Smart investors calculate Old Second's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Old Second's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Old Second's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Old Second should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Old Second's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.