OSBC (Old Second Bancorp) Moat Score: 4/10 (As of Jun. 27, 2026)


OSBC Old Second Bancorp Inc OSBC
68 GF Score
Price $23.36
GF Value $18.66
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Old Second Bancorp Moat Score?

Old Second Bancorp OSBC +1.63% 68 Moat Score is 4 as of Jun. 27, 2026. GuruFocus rates OSBC with a GF Score™ of 68/100 and a GF Value™ of $18.66 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,610 Banks companies, Old Second Bancorp ranks better than 86.15% on this metric.

Old Second Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Old Second Bancorp has Narrow Moat: Old Second Bancorp Inc benefits from a stable customer base and some regulatory barriers in the banking sector. However, it faces intense competition and lacks significant pricing power or brand strength, resulting in a discernible but modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Old Second Bancorp might have Narrow Moat - Discernible but modest moat.

Old Second Bancorp  (NAS:OSBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Old Second Bancorp Moat Score Related Terms

OSBC vs UVSP, CCB, MCB: Moat Score Comparison

For the Banks - Regional subindustry, Old Second Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Old Second Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Old Second Bancorp's Moat Score falls into.


OSBC
68GF Score
Old Second Bancorp Inc OSBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Old Second Bancorp (OSBC) has a Moat Score of 4 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Old Second Bancorp ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is Old Second Bancorp's Moat Score too high?
Old Second Bancorp's current Moat Score is 4. Based on the distribution chart, Old Second Bancorp ranks #223 out of 1610 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 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Moat Score compare to UVSP and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #223 out of 1610 companies for Moat Score. This places Old Second Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Old Second Bancorp's current Moat Score is 4. 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 (OSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.66, compared to a current price of $23.36 — trading 25.2% above its estimated fair value. The current Moat Score is 4. Old Second Bancorp's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current Moat Score is 4 as of Jun. 27, 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 (OSBC) Overvalued in 2026?

Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued. The current stock price of $23.36 is trading 25.2% above its estimated GF Value™ of $18.66. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

  • Moat Score: 4
  • GF Value™: $18.66 vs. price of $23.36 (25.2% above fair value)
  • GF Score™: 68/100 with 7 warning signs

No single metric tells the full story. See the OSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Old Second Bancorp Business Description

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.
68GF Score

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$23.36
Price
$18.66
GF Value