Stock Fundamentals

Company Information

Company Name
Old Second Bancorp Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US6802771005
CIK: 0000357173
CUSIP: 680277100
Currency: USD
Full Time Employees: 877
Phone: 630 892 0202
Fiscal Year End: December
IPO Date: Aug 18, 1995
Description:

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 offers 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, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.

Address:

37 South River Street, Aurora, IL, United States, 60507

Directors & Officers

Name Title Year Born
Mr. James L. Eccher President, CEO & Chairman of the Board 1965
Mr. Bradley S. Adams Executive VP, COO & CFO 1974
Mr. Richard A. Gartelmann Jr., CFP EVP & Head of Wealth Management 1969
Mr. Donald J. Pilmer Executive VP & Chief Lending Officer 1965
Mr. Kris Wieschhaus Senior VP & Chief Technology Officer 1987
Ms. Jacqueline Ann Runnberg CFP Senior VP & MD of Wealth Management 1965
Mr. Steven C. Meves Chief Investment Officer of Wealth Management Group NA
Ms. Shirley Cantrell Shareholder Relations Manager 1961
Mr. Chris Lasse Senior Vice President of Human Resources 1980
Mr. Joseph Monocchio Senior Vice President of Retirement Plan Services 1961

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 3.82M Sep 30, 2025 7.25% $0.00 9.03%
Vanguard Group Inc 3.28M Dec 31, 2025 6.22% $0.00 0.26%
Dimensional Fund Advisors, Inc. 2.26M Dec 31, 2025 4.29% $0.01 2.54%
FJ Capital Management LLC 1.83M Dec 31, 2025 3.47% $3.94 -4.70%
Davis Asset Management, L.P. 1.75M Dec 31, 2025 3.31% $1.22 16.37%
JPMorgan Chase & Co 1.56M Sep 30, 2025 2.96% $0.00 83.56%
The Goldman Sachs Group Inc 1.56M Sep 30, 2025 2.96% $0.00 11.71%
American Century Companies Inc 1.47M Dec 31, 2025 2.79% $0.01 5.93%
State Street Corp 1.37M Sep 30, 2025 2.60% $0.00 4.74%
Geode Capital Management, LLC 1.36M Sep 30, 2025 2.59% $0.00 18.40%
Kennedy Capital Management Inc 1.27M Dec 31, 2025 2.41% $0.52 15.89%
Northern Trust Corp 997.90K Sep 30, 2025 1.89% $0.00 140.80%
Wellington Management Company LLP 969.71K Dec 31, 2025 1.84% $0.00 521.18%
Banc Funds Co LLC 905.19K Dec 31, 2025 1.72% $3.49 -10.05%
Manufacturers Life Insurance Co 891.88K Dec 31, 2025 1.69% $0.01 -2.70%
Stieven Capital Advisors, L.p. 776.13K Dec 31, 2025 1.47% $2.81 -0.24%
AllianceBernstein L.P. 699.27K Sep 30, 2025 1.33% $0.00 -2.03%
AQR Capital Management LLC 518.10K Sep 30, 2025 0.98% $0.01 -0.54%
Charles Schwab Investment Management Inc 437.51K Dec 31, 2025 0.83% $0.00 -0.02%
Bridgeway Capital Management, LLC 427.62K Dec 31, 2025 0.81% $0.17 -15.32%

Shares Statistics

Shares Outstanding: 52.67M
Shares Float: 50.72M
% Insiders: 472.70%
% Institutions: 7,199.30%
Short % Float: 2.87%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 3.82M 7.25% ▲ 9.03% Sep 30, 2025
2 Vanguard Group Inc 3.28M 6.22% ▲ 0.26% Dec 31, 2025
3 Dimensional Fund Advisors, Inc. 2.26M 4.29% ▲ 2.54% Dec 31, 2025
4 FJ Capital Management LLC 1.83M 3.47% ▼ 4.70% Dec 31, 2025
5 Davis Asset Management, L.P. 1.75M 3.31% ▲ 16.37% Dec 31, 2025
6 JPMorgan Chase & Co 1.56M 2.96% ▲ 83.56% Sep 30, 2025
7 The Goldman Sachs Group Inc 1.56M 2.96% ▲ 11.71% Sep 30, 2025
8 American Century Companies Inc 1.47M 2.79% ▲ 5.93% Dec 31, 2025
9 State Street Corp 1.37M 2.60% ▲ 4.74% Sep 30, 2025
10 Geode Capital Management, LLC 1.36M 2.59% ▲ 18.40% Sep 30, 2025

Valuation Metrics

Enterprise Value: $1.25B
Trailing P/E: 12.12
Forward P/E: 8.60

Financial Highlights

Market Cap: $1.03B
P/E Ratio: $12.12
PEG Ratio: $2.60
Book Value: $17.03
Dividend/Share: $0.25
Dividend Yield: 1.24%
Earnings/Share: $1.62
Profit Margin: 25.80%
Operating Margin: 44.80%
ROA (TTM): 1.28%
ROE (TTM): 10.25%
Revenue (TTM): $311.34M
Revenue/Share (TTM): $6.37
Earnings Growth (YOY): 29.90%
Revenue Growth (YOY): 32.30%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.10x 0.27x 0.87x 1.78x 1.98x
2024-12-31 0.36x 0.21x 0.88x 2.01x 1.16x
2023-12-31 0.34x 0.89x 0.90x 3.11x 3.91x
2022-12-31 0.37x 0.57x 0.92x 8.87x 2.65x
2021-12-31 136.46x 0.33x 0.02x 3.30x 5.29x
2020-12-31 41.37x 0.38x 0.03x 3.00x 2.87x
2019-12-31 0.29x 0.74x 0.89x 2.75x 3.75x
2018-12-31 0.29x 1.37x 0.91x 2.63x 6.70x
2017-12-31 0.32x 1.23x 0.92x 2.72x 6.72x
2016-12-31 0.32x 1.13x 0.92x 2.47x 7.36x
2015-12-31 0.27x 0.98x 0.92x 2.68x 5.69x
2014-12-31 0.25x 0.88x 0.91x 1.45x 8.69x
2013-12-31 0.25x 0.89x 0.93x 0.86x 7.85x
2012-12-31 0.39x 3.06x 0.96x 0.00x 50.35x
2011-12-31 0.21x 1.42x 0.96x -0.30x -66.53x
2010-12-31 0.08x 1.31x 0.96x -2.38x -1.81x
2009-12-31 0.08x 0.90x 0.92x -2.44x -1.70x
2008-12-31 0.04x 1.92x 0.94x 0.21x 17.41x
2007-12-31 0.04x 2.39x 0.94x 0.38x 9.11x
2006-12-31 0.05x 1.24x 0.94x 0.47x 4.80x
2005-12-31 0.05x 1.76x 0.94x 0.89x 5.47x
2004-12-31 0.04x 1.15x 0.94x 1.36x 3.33x
2003-12-31 0.04x 1.58x 0.94x 1.34x 4.45x
2002-12-31 0.05x 0.52x 0.92x 1.10x 2.05x
2001-12-31 0.05x 0.78x 0.91x 0.75x 3.25x
2000-12-31 0.05x 0.24x 0.90x 0.54x 1.21x
1999-12-31 0.08x 0.27x 0.90x 0.62x 1.34x
1998-12-31 0.11x 0.36x 0.90x 0.50x 1.77x
1997-12-31 0.11x 0.34x 0.90x 0.44x 2.00x
1996-12-31 0.11x 0.08x 0.90x 0.43x 0.40x
1995-12-31 0.13x 0.12x 0.90x 0.50x 0.64x
1994-12-31 0.13x 0.16x 0.91x 0.58x 0.86x
1993-12-31 0.11x 0.13x 0.91x 0.49x 0.72x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 18, 2026 Darin Patrick Campbell N/A Sale 35.00K $20.94 $732.90K
Feb 13, 2026 Darin Patrick Campbell N/A Sale 91.00 $20.70 $1.88K
Feb 05, 2026 Richard A Gartelmann Jr N/A Sale 2.00K $20.98 $41.96K
Oct 31, 2025 Darin Patrick Campbell N/A Sale 31.16K $17.89 $557.43K
Oct 30, 2025 Darin Patrick Campbell N/A Sale 26.41K $18.27 $482.44K
Aug 04, 2025 Billy J Jr. Lyons N/A Purchase 25.00 $16.61 $415.25

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