Old Second Bancorp (OSBC) stock
OSBC's Quality Score rose 3 points on Tue, Nov 10, to 17.
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Key facts on OSBC
| Outperforming | Up 19% in 6 months vs the S&P's +1% |
| Latest filing | 10-Q, Nov 4 |
What moves banks
OSBC catalysts
After its last 4 reports it closed -1.9% on average, higher 1 of 4 times.
Why OSBC scores 17
Excellentfor quality, not price, 8 of 14 chart checks firingWhat the Quality Score means
Well above its recent run. OSBC scores 17 today, against a median of 11 over its last 20 recorded sessions.
- +8Chart checks 8 of 14 firing right now, one point each
- +4Long-term trend above a rising 200-day average, near its 52-week high, at a multi-year high
- Profit adds
- Growth adds
- Persistence adds
How OSBC ranks in Banks
OSBC is #1 of 168 by Quality Score.
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| 1 | ||
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| Open for its score | ||
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When does OSBC report earnings, and what happens after?
Expected to report Wed Jan 20, after the close (in 71 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
What OSBC reported on Oct 21, 2026
The quarter
A profit of $0.56 a share, from $0.18.
“Provision for credit losses of $6.8 million was driven by $3.1 million of net charge-offs related to powersport loans, and non-powersport charge-offs were primarily isolated to two commercial loans on a single relationship.”
Where the sales came from
OSBC's results filing gives no sales by line in a table we read.
The outlook
No outlook figures read from this release.
In the company's words
“Loan losses remained higher than we wanted this quarter due to one previously identified commercial relationship, but the trends are extremely encouraging with nonperforming and classified loans declining by 30% and 44%, respectively.”
From its results filing (SEC filing · Oct 21)
The numbers
- $1.2B
- today
Close after the report, last 3
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 21, 2026 | -1.5% | -0.6% | -1.9% |
| Jul 22, 2026 | -1.8% | +0.4% | +8.0% |
| Apr 22, 2026 | -6.4% | -6.4% | -3.3% |
OSBC has 8 of 14 chart checks firing
OSBC RSI today: 51.1, below its 50-day, above its 200-day
RSI 51.1, MACD above signal, below its 50-day, above its 200-day. Not scored.
The deep dive on OSBC
- What it does and how it makes money
- Where it standsWeighted shares, the quarter to Sep 30, 2026
- Who holds and trades it
Is OSBC's dividend covered? What its financials say
Its dividends come to 9% of its free cash flow.
| Dividend | $0.32 a share a year |
| Paid out | About $15.8M a year |
| Free cash flow | $172M |
| Record | Raised each of the last 3 years |
OSBC insider trades
3 insiders sold $2.7M across 7 filings in the last 6 months. No open-market buys on record. The newest:
OSBC's officers and directors
Officers and directors with a Form 4 in the last 12 months.
Which ETFs hold OSBC?
In ETFs: OSBC is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
About Old Second Bancorp
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
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- What would move OSBC's score: 3 things
- 4 more filings explained, a plain line each
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Straight AnswersStraight Answers
What does OSBC's Quality Score say?
OSBC scores 17 today, which Breakaway calls Excellent. It is #1 of 168 in Banks by Quality Score, with 8 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
What is OSBC's Quality Score?
OSBC scores 17 today, which Breakaway calls Excellent (15 to 19). That is #1 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind OSBC's 17.
Are insiders buying OSBC?
3 insiders sold $2.7M across 7 filings in the last 6 months. No open-market buys on record. The newest is Gary S. Collins, Vice Chairman, who sold $395K on Sep 23. Every filing, with the scored weight, for Pro members.
Are the prices delayed?
Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.