Old Second Bancorp (FRA:OSB) Growth Rank: 4 (As of Jul. 26, 2026) — Near Median

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FRA:OSB Old Second Bancorp Inc FRA:OSB
68 GF Score
Price €20.40
GF Value €15.94
! 7 Warning Signs
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What is Old Second Bancorp Growth Rank?

Old Second Bancorp FRA:OSB +3.03% 68 Growth Rank is 4 as of Jul. 26, 2026, which is at its 10-year median of 4.00. GuruFocus rates FRA:OSB with a GF Score™ of 68/100 and a GF Value™ of €15.94. The stock has 7 warning signs investors should review.

Old Second Bancorp has the Growth Rank of 4.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Old Second Bancorp Growth Rank Related Terms

FRA:OSB vs HFWA, CCB, UVSP: Growth Rank Comparison

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

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

* The bar in red indicates where Old Second Bancorp's Growth Rank falls into.


FRA:OSB
68GF Score
Old Second Bancorp Inc FRA:OSB
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 4 mean?
Old Second Bancorp (FRA:OSB) has a Growth Rank of 4 as of Jul. 26, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Old Second Bancorp and its competitors. This is near median its historical median of 4.00. Over the past decade, Old Second Bancorp's Growth Rank has ranged from 1.00 to 10.00.
Is Old Second Bancorp's Growth Rank too high?
Old Second Bancorp's current Growth Rank of 4 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Old Second Bancorp has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Growth Rank compare to HFWA and CCB?
Old Second Bancorp's Growth Rank of 4 can be compared against companies in the Banks industry. Historically, Old Second Bancorp's own Growth Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Old Second Bancorp and its competitors. Old Second Bancorp's current Growth Rank is 4, which is near median its own 10-year median of 4.00. 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 Growth Rank of 4. The stock's GF Value™ is €15.94, compared to a current price of €20.40 — trading 28% above its estimated fair value. The current Growth Rank is 4, which is near median its 10-year median of 4.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current Growth Rank is 4 as of Jul. 26, 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 28% above its estimated GF Value™ of €15.94.

Key valuation signals for FRA:OSB:

  • Growth Rank: 4 (near median its 10-year median of 4.00)
  • GF Value™: €15.94 vs. price of €20.40 (28% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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

€20.40
Price
€15.94
GF Value