OSBC (Old Second Bancorp) Quality Rank


OSBC Old Second Bancorp Inc OSBC
69 GF Score
Price $23.24
GF Value $18.69
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Old Second Bancorp Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Old Second Bancorp Quality Rank Related Terms

OSBC
69GF Score
Old Second Bancorp Inc OSBC
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $23.24 is trading 24.3% above its estimated GF Value™ of $18.69. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

  • Quality Rank:
  • GF Value™: $18.69 vs. price of $23.24 (24.3% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for OSBC

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

$23.24
Price
$18.69
GF Value