OSBC Stock Analysis: Buy, Sell, or Hold?
OSBC - Old Second Bancorp Inc
$20.43
-0.28 (-1.35%)
▼
5d:
-3.99%
30d:
-5.29%
90d:
-0.68%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 22, 2026
0d
Get Alerted When OSBC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: OSBC shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: OSBC shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.14
Based on 4.0% avg growth
INTRINSIC VALUE TODAY
$15.61
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OSBC is currently trading at $20.43, which is considered oversold relative to its 30-day fair value range of $20.49 to $21.52. The stock's valuation (Forward PE: 8.9) is in line with its historical norms (9.0). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This pessimistic expectation contrasts with the company's recent 11.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, OSBC is in a uptrend. The price is currently testing key support at $19.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $23.20 (+13.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OSBC is in a uptrend. The price is currently testing key support at $19.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $23.20 (+13.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$20.49 -
$21.52
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($23.20)
Trading Range Analysis
30-Day Trading Range
$20.49 -
$21.52
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$19.93
Resistance Level
$21.47
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.90
Wall Street Target
$23.20
(+13.6%)
Revenue Growth (YoY)
19.2%
Earnings Growth (YoY)
11.6%
Profit Margin
26.5%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
8.9 vs 9.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$20.35
(0%)
2-Year Target
$20.27
(-1%)
3-Year Target
$20.19
(-1%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$20.42
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 4.0%)
$57.08
(+179%)
Base:
(SPY PE: 8.9, Growth: 4.0%)
$23.01
(+13%)
Bear:
(PE: 7.6, Growth: 4.0%)
$19.56
(-4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 12.40 | Current EPS (TTM): $1.67
Bull Case
$31.32
(+53%)
Analyst growth 37.5%, PE expands to 13.6
Base Case
$28.47
(+39%)
Market implied 37.5%, PE stable at 12.4
Bear Case
$14.08
(-31%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.9 to 9.0
Stabilization Target:
$20.66
(+1.1%)
PE Expansion Potential:
+1.1%
Share & Embed Analysis
Last updated: May 16, 2026 6:08 AM ET
Data refreshes hourly during market hours. Next update: 7:08 AM
Data refreshes hourly during market hours. Next update: 7:08 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is OSBC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Darin Patrick Campbell
SELL
35000 shares
2026-02-18
Darin Patrick Campbell
SELL
91 shares
2026-02-13
Richard A Gartelmann Jr
SELL
2000 shares
2026-02-05
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 55 HOLD |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$234 | 60 BUY |
|
RF
Regions Financial Corpor… |
HOLD
24 analysts |
$31 | 58 HOLD |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$56 | 60 HOLD |
|
CFG
Citizens Financial Group… |
BUY
21 analysts |
$73 | 46 HOLD |
