Old Second BancorpOSBC +0.57%69 Pretax Margin % is 36.92% as of Mar. 2026, which is 6% above its 10-year median of 34.77. GuruFocus rates OSBC with a GF Score™ of 69/100 and a GF Value™ of $18.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Old Second Bancorp ranks worse than 56.36% on this metric.
The historical rank and industry rank for Old Second Bancorp's Pretax Margin % or its related term are showing as below:
OSBC'
s Pretax Margin % Range Over the Past 10 Years
Min: 20.88 Med: 34.77 Max: 44.28
Current: 32.69
OSBC's Pretax Margin % is ranked worse than 56.36% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs OSBC: 32.69
Old Second Bancorp (NAS:OSBC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Old Second Bancorp Pretax Margin % Related Terms
Old Second Bancorp Pretax Margin % Historical Data
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The historical data trend for Old Second Bancorp's Pretax Margin % 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.
OSBC vs UVSP, CCB, MCB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Old Second Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's Pretax Margin % falls into.
* 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 (OSBC) has a Pretax Margin % of 36.92% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Old Second Bancorp and its competitors. This is near median its historical median of 34.77. Over the past decade, Old Second Bancorp's Pretax Margin % has ranged from 20.88 to 44.28. According to the industry distribution chart, Old Second Bancorp ranks #860 out of 1526 companies in the Banks industry, placing it in the top 56.4%.
Is Old Second Bancorp's Pretax Margin % too high?
Old Second Bancorp's current Pretax Margin % of 36.92% is near median its 10-year median of 34.77. Over the past 10 years, this metric has ranged from a low of 20.88 to a high of 44.28. The Banks industry median Pretax Margin % is 34.89. Old Second Bancorp's value of 36.92% is 5.8% above this industry median. Based on the distribution chart, Old Second Bancorp ranks #860 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Old Second Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Pretax Margin % compare to UVSP and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #860 out of 1526 companies for Pretax Margin %. This places Old Second Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.89. Old Second Bancorp's value of 36.92% is 5.8% above this benchmark. Historically, Old Second Bancorp's own Pretax Margin % has ranged from 20.88 to 44.28 over the past decade. While the company's 10-year median is 34.77 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current Pretax Margin % of 36.92% is 5.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current Pretax Margin % is 36.92%, which is near median its own 10-year median of 34.77. 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 $23.02 — trading 23.4% above its estimated fair value. The current Pretax Margin % is 36.92%, which is near median its 10-year median of 34.77 and 5.8% above the Banks industry median of 34.89. Old Second Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current Pretax Margin % is 36.92% 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 (OSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued.
The current stock price of $23.02 is trading 23.4% above its estimated GF Value™ of $18.66.
GuruFocus considers Old Second Bancorp to be Modestly Overvalued.
Key valuation signals for OSBC:
Pretax Margin %: 36.92% (near median its 10-year median of 34.77)
GF Value™: $18.66 vs. price of $23.02 (23.4% above fair value)
Industry Position: 5.8% above the Banks median (#860 of 1526)
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 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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