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Old Second BancorpFRA:OSB +2.54%73 3-Year Book Growth Rate is 18.10% as of Jun. 2026, which is 103% above its 10-year median of 8.90. GuruFocus rates FRA:OSB with a GF Score™ of 73/100 and a GF Value™ of €15.40 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,488 Banks companies, Old Second Bancorp ranks better than 86.63% on this metric.
During the past 12 months, Old Second Bancorp's average Book Value per Share Growth Rate was 11.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 18.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 10.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 11.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Old Second Bancorp was 379.40% per year. The lowest was -82.70% per year. And the median was 8.90% per year.
Old Second Bancorp (FRA:OSB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Old Second Bancorp 3-Year Book Growth Rate Related Terms
FRA:OSB vs HBT, FMBH, PFBC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Old Second Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Old Second Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's 3-Year Book Growth Rate falls into.
Old Second Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 18.10% mean?
Old Second Bancorp (FRA:OSB) has a 3-Year Book Growth Rate of 18.10% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Old Second Bancorp and its competitors. This is 103% above median its historical median of 8.90. According to the industry distribution chart, Old Second Bancorp ranks #199 out of 1488 companies in the Banks industry, placing it in the top 13.4%.
Is Old Second Bancorp's 3-Year Book Growth Rate too high?
Old Second Bancorp's current 3-Year Book Growth Rate of 18.10% is 103% above median its 10-year median of 8.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Old Second Bancorp's value of 18.10% is 105.7% above this industry median. Based on the distribution chart, Old Second Bancorp ranks #199 out of 1488 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Old Second Bancorp has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's 3-Year Book Growth Rate compare to HBT and FMBH?
According to the Banks industry distribution chart, Old Second Bancorp ranks #199 out of 1488 companies for 3-Year Book Growth Rate. This places Old Second Bancorp in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Old Second Bancorp's value of 18.10% is 105.7% above this benchmark. While the company's 10-year median is 8.90 vs. the industry median of 8.80, Old Second Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current 3-Year Book Growth Rate of 18.10% is 105.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Old Second Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current 3-Year Book Growth Rate is 18.10%, which is 103% above median its own 10-year median of 8.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old Second Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Old Second Bancorp (FRA:OSB) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.40, compared to a current price of €20.20 — trading 31.2% above its estimated fair value. The current 3-Year Book Growth Rate is 18.10%, which is 103% above median its 10-year median of 8.90 and 105.7% above the Banks industry median of 8.80. Old Second Bancorp's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current 3-Year Book Growth Rate is 18.10% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Old Second Bancorp (FRA:OSB) Overvalued in 2026?
Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued.
The current stock price of €20.20 is trading 31.2% above its estimated GF Value™ of €15.40.
GuruFocus considers Old Second Bancorp to be Significantly Overvalued.
Key valuation signals for FRA:OSB:
3-Year Book Growth Rate: 18.10% (103% above median its 10-year median of 8.90)
GF Value™: €15.40 vs. price of €20.20 (31.2% above fair value)
Industry Position: 105.7% above the Banks median (#199 of 1488)
No single metric tells the full story. See the FRA:OSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
73GF Score
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