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Upturn AI SWOT - About
OSBC 
Old Second Bancorp Inc (OSBC)
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Upturn Advisory Summary
04/01/2025: OSBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -0.55% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 748.23M USD | Price to earnings Ratio 8.88 | 1Y Target Price 21.83 |
Price to earnings Ratio 8.88 | 1Y Target Price 21.83 | ||
Volume (30-day avg) 224637 | Beta 1.05 | 52 Weeks Range 13.03 - 19.46 | Updated Date 04/1/2025 |
52 Weeks Range 13.03 - 19.46 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.44% | Basic EPS (TTM) 1.87 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.37% | Operating Margin (TTM) 41.23% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 13.66% |
Valuation
Trailing PE 8.88 | Forward PE 8.6 | Enterprise Value 788412160 | Price to Sales(TTM) 2.75 |
Enterprise Value 788412160 | Price to Sales(TTM) 2.75 | ||
Enterprise Value to Revenue 3.05 | Enterprise Value to EBITDA - | Shares Outstanding 45047200 | Shares Floating 43343468 |
Shares Outstanding 45047200 | Shares Floating 43343468 | ||
Percent Insiders 4.85 | Percent Institutions 73.96 |
Analyst Ratings
Rating 4.33 | Target Price 21.33 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Old Second Bancorp Inc
Company Overview
History and Background
Old Second Bancorp Inc. was founded in 1871 in Aurora, Illinois. Initially a local bank, it has grown through acquisitions and organic expansion to serve communities in northern and central Illinois.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, mortgage loans, consumer loans, and other financial services to individuals and families.
- Wealth Management: Provides investment advisory services, trust administration, and financial planning services to individuals and institutions.
Leadership and Structure
James Eccher serves as the Chief Executive Officer. The company operates with a traditional corporate structure, including a Board of Directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the purchase, construction, or refinance of commercial properties. This represents a significant portion of Old Second's loan portfolio. Competitors include larger national and regional banks such as BofA (BAC), JP Morgan Chase (JPM), and regional players like Wintrust Financial (WTFC).
- Mortgage Loans: Residential mortgage loans for home purchase or refinance. Market share is small compared to national lenders. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks like Old Second are focused on maintaining strong relationships with their customers and navigating the evolving regulatory landscape.
Positioning
Old Second Bancorp Inc. is positioned as a community-focused bank providing personalized service to businesses and individuals in its market area. Its competitive advantage lies in its local presence and strong relationships with customers.
Total Addressable Market (TAM)
The TAM for banking services in Old Second's geographic footprint is estimated to be in the billions of dollars. Old Second's positioning is focused on capturing a significant share of the small to medium-sized business segment and retail banking customers within that market.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Solid capital base
- Customer-focused approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on interest rate environment
- Less investment in Fintech
Opportunities
- Expansion into new markets through acquisitions
- Increased demand for wealth management services
- Leveraging technology to improve efficiency
- Growth in loan demand from small businesses
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates and inflation
- Changes in regulatory environment
Competitors and Market Share
Key Competitors
- WTFC
- MBWM
- TFC
Competitive Landscape
Old Second Bancorp Inc. faces a competitive environment with both larger national banks and smaller regional players. Its ability to maintain strong customer relationships and offer personalized service is key to its competitive advantage. However it still lacks the market share of some larger regional banks.
Major Acquisitions
West Suburban Bancorp
- Year: 2021
- Acquisition Price (USD millions): 297
- Strategic Rationale: Expanded Old Second's footprint and increased market share in the Chicago metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady with organic growth and acquisitions to continue to maintain market share, however it requires up to date reporting.
Future Projections: Future growth is anticipated to remain steady, with potential for increased earnings based on interest rate hikes and further lending. Requires up to date analyst reporting
Recent Initiatives: Recent initatives include expansion of digital banking services and strategic acquisitions to expand market reach.
Summary
Old Second Bancorp Inc. is a financially sound community bank with a strong presence in Illinois. It faces competition from larger banks and fintech companies, but its focus on customer relationships and local expertise provide a competitive advantage. Strategic acquisitions and investments in technology are key to its future growth, but rising interest rates and economic volatility need to be monitored.
Similar Companies
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
HBNC
Horizon Bancorp
HBNC
Horizon Bancorp
MBWM
Mercantile Bank Corporation
MBWM
Mercantile Bank Corporation
WTFC
Wintrust Financial Corporation
WTFC
Wintrust Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets (e.g., Yahoo Finance, Google Finance)
- Analyst Reports (where available, accessed through subscription services)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be construed as financial advice. Market share data is based on available estimates and may not be precise. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Second Bancorp Inc
Exchange NASDAQ | Headquaters Aurora, IL, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman of the Board Mr. James L. Eccher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 877 | Website https://www.oldsecond.com |
Full time employees 877 | Website https://www.oldsecond.com | ||
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.
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