Old Second Bancorp (FRA:OSB) Long-Term Debt: €86.7 Mil (As of Mar. 2026)


FRA:OSB Old Second Bancorp Inc FRA:OSB
69 GF Score
Price €20.40
GF Value €16.40
! 7 Warning Signs
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What is Old Second Bancorp Long-Term Debt?

Old Second Bancorp FRA:OSB +10.27% 69 Long-Term Debt is €86.7 Mil as of Mar. 2026. GuruFocus rates FRA:OSB with a GF Score™ of 69/100 and a GF Value™ of €16.40. The stock has 7 warning signs investors should review.

Old Second Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was €86.7 Mil.

Old Second Bancorp's quarterly Long-Term Debt increased from Sep. 2025 (€85.3 Mil) to Dec. 2025 (€85.5 Mil) and increased from Dec. 2025 (€85.5 Mil) to Mar. 2026 (€86.7 Mil).

Old Second Bancorp's annual Long-Term Debt increased from Dec. 2023 (€78.1 Mil) to Dec. 2024 (€81.4 Mil) and increased from Dec. 2024 (€81.4 Mil) to Dec. 2025 (€85.5 Mil).

Old Second Bancorp  (FRA:OSB) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Old Second Bancorp Long-Term Debt Related Terms

Old Second Bancorp Long-Term Debt Historical Data

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The historical data trend for Old Second Bancorp's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Old Second Bancorp Long-Term Debt Chart

Old Second Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 131.46 130.89 78.09 81.40 85.53

Old Second Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 78.87 73.94 85.30 85.53 86.66
FRA:OSB
69GF Score
Old Second Bancorp Inc FRA:OSB
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €86.7 Mil mean?
Old Second Bancorp (FRA:OSB) has a Long-Term Debt of €86.7 Mil as of Mar. 2026.
Is Old Second Bancorp's Long-Term Debt too high?
Old Second Bancorp's current Long-Term Debt is €86.7 Mil. Overall, Old Second Bancorp has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Long-Term Debt compare to HFWA and CCB?
Old Second Bancorp's Long-Term Debt of €86.7 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Old Second Bancorp's current Long-Term Debt is €86.7 Mil. 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?
Old Second Bancorp (FRA:OSB) has a current Long-Term Debt of €86.7 Mil. The stock's GF Value™ is €16.40, compared to a current price of €20.40 — trading 24.4% above its estimated fair value. The current Long-Term Debt is €86.7 Mil. Old Second Bancorp's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current Long-Term Debt is €86.7 Mil as of Mar. 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 €20.40 is trading 24.4% above its estimated GF Value™ of €16.40.

Key valuation signals for FRA:OSB:

  • Long-Term Debt: €86.7 Mil
  • GF Value™: €16.40 vs. price of €20.40 (24.4% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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 Business Description

Other Exchanges OSBC:USA
Address 37 South River Street, Aurora, IL, USA, 60507
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.
69GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.40
Price
€16.40
GF Value