# OLD Second Bancorp Inc. (OSBC)

- Sector: Financials · Industry: Banks Regional
- SEC CIK: 0000357173 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000357173))
- Full page: https://inspectstocks.com/stocks/osbc
- Data as of: price 2026-09-25; newest filing used 2026-08-06; latest fiscal period ended 2026-06-30

## Grade

**A+** on the balance-sheet rubric used for lenders, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $92.4M |  |
| Earnings growing overall | passed | $92.4M | $92.3M |
| Earnings growing recently | passed | $92.4M | $80.3M |
| Earns well on its assets | passed | 1.3% |  |
| Book value per share growing | passed | $18.05 | $10.20 |

Business quality (the + / − mark): 7 of 8 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 24.2% |  |
| Healthy profit margin | passed | 24.2% |  |
| Good return on equity | failed | 10.3% |  |
| Debt under control | passed | 0.25 |  |
| Turns sales into cash | passed | 37.3% |  |
| Earns a wide spread on lending | passed | 4.8% |  |
| Runs the bank efficiently | passed | 57.0% |  |
| Credit losses well covered | passed | 10.4% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $381.5M |
| Net income, trailing twelve months | $92.4M |
| Free cash flow, trailing twelve months | $142.2M |
| Net margin | 24.2% |
| Return on equity | 10.3% |
| Debt to equity | 0.25 |
| Diluted EPS, trailing twelve months | $1.76 |
| Share price | $24.95 |
| Market value | $1.3B |
| Price / earnings | 14.2x |
| Price / sales | 3.3x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/osbc)
- [Financial statements](https://inspectstocks.com/stocks/osbc/financials)
- [Competitors](https://inspectstocks.com/stocks/osbc/peers)
- [Earnings](https://inspectstocks.com/stocks/osbc/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.