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OSBC Stock Forecast & Price Target

OSBC Analyst Ratings

Based on 5 analyst ratings
Buy
Strong Buy 0%
Buy 80%
Hold 20%
Sell 0%
Strong Sell 0%

Bulls say

Old Second Bancorp's outlook is bolstered by projected profitability enhancements following its acquisition of Evergreen Bank, anticipated to improve return on equity (ROE) and return on average tangible common equity (ROATCE) by approximately 152 basis points and 267 basis points, respectively, by 2026. Additionally, the strong performance of Old Second’s net interest income, which achieved a net interest margin (NIM) of 4.68%, indicates effective deposit management and a favorable interest rate environment contributing to revenue growth. The strategic expansion into a nationwide consumer lending platform through the acquisition is expected to drive loan growth and enhance the firm's overall return profile, despite carrying some associated risks of higher losses through the economic cycle.

Bears say

Old Second Bancorp faces significant headwinds due to a higher-than-expected loan loss provision (LLP), which was primarily driven by net charge-offs significantly surpassing consensus estimates. The bank's deposit pricing strategy is concerning, as a lag in repricing its deposit base relative to rising interest rates may constrict net interest margins, compounded by potential shifts in its deposit mix. Additionally, the risk of loan credit quality deterioration poses a substantial threat, as it could necessitate increased provisions for loan losses, further undermining financial stability and stock performance outlook.

OSBC has been analyzed by 5 analysts, with a consensus rating of Buy. 0% of analysts recommend a Strong Buy, 80% recommend Buy, 20% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Old Second Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Old Second Bancorp (OSBC) Forecast

Analysts have given OSBC a Buy based on their latest research and market trends.

According to 5 analysts, OSBC has a Buy consensus rating as of Jun 16, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $20, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $20, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Old Second Bancorp (OSBC)


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