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OSBC
Volume: 187.51K
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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 Inc is poised for enhanced profitability, with projected improvements in return on equity (ROE) and return on average tangible common equity (ROATCE) expected to increase significantly by 152 basis points and 267 basis points, respectively, in 2026. The company is benefiting from a strong net interest margin (NIM) of 4.68%, supported by a robust deposit base and a favorable mix of interest-bearing deposits, which bodes well for its overall financial performance. Additionally, the recent acquisition of Evergreen Bank is anticipated to boost loan growth through the introduction of a new consumer lending platform, further positioning Old Second for sustainable growth and a stable earnings profile.

Bears say

Old Second Bancorp has faced challenges with a higher-than-expected loan loss provision (LLP), resulting in net charge-offs that significantly exceeded consensus estimates. The company's deposit base has been slow to reprice in response to rising interest rates, raising concerns about a potential decline in net interest margins if the deposit beta accelerates or if there is a shift in the mix of deposits. Additionally, the risks associated with credit quality deterioration, regulatory changes, and potential issues arising from acquisitions could further strain the company’s financial outlook and ultimately influence its stock performance negatively.

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 Jul 12, 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 $20.30, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $20.30, 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)

Volume: 187.51K

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