Old Second BancorpOSBC +0.39%69 Return-on-Tangible-Equity is 13.96% as of Mar. 2026, which is 5% below its 10-year median of 14.68. GuruFocus rates OSBC with a GF Score™ of 69/100 and a GF Value™ of $18.68 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Old Second Bancorp ranks better than 60.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Old Second Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $102.3 Mil. Old Second Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $733.2 Mil. Therefore, Old Second Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.96%.
The historical rank and industry rank for Old Second Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
OSBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.94 Med: 14.68 Max: 22.4
Current: 12.91
During the past 13 years, Old Second Bancorp's highest Return-on-Tangible-Equity was 22.40%. The lowest was 5.94%. And the median was 14.68%.
OSBC's Return-on-Tangible-Equity is ranked better than 60.34% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs OSBC: 12.91
Old Second Bancorp (NAS:OSBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Old Second Bancorp Return-on-Tangible-Equity Related Terms
Old Second Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Old Second Bancorp's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
OSBC vs HFWA, CCB, UVSP: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Old Second Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.96% mean?
Old Second Bancorp (OSBC) has a Return-on-Tangible-Equity of 13.96% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Old Second Bancorp and its competitors. This is near median its historical median of 14.68. Over the past decade, Old Second Bancorp's Return-on-Tangible-Equity has ranged from 5.94 to 22.40. According to the industry distribution chart, Old Second Bancorp ranks #604 out of 1523 companies in the Banks industry, placing it in the top 39.7%.
Is Old Second Bancorp's Return-on-Tangible-Equity too high?
Old Second Bancorp's current Return-on-Tangible-Equity of 13.96% is near median its 10-year median of 14.68. Over the past 10 years, this metric has ranged from a low of 5.94 to a high of 22.40. The Banks industry median Return-on-Tangible-Equity is 11.20. Old Second Bancorp's value of 13.96% is 24.6% above this industry median. Based on the distribution chart, Old Second Bancorp ranks #604 out of 1523 companies in the Banks industry, which is above 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 Return-on-Tangible-Equity compare to HFWA and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #604 out of 1523 companies for Return-on-Tangible-Equity. This puts Old Second Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Old Second Bancorp's value of 13.96% is 24.6% above this benchmark. Historically, Old Second Bancorp's own Return-on-Tangible-Equity has ranged from 5.94 to 22.40 over the past decade. While the company's 10-year median is 14.68 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current Return-on-Tangible-Equity of 13.96% is 24.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current Return-on-Tangible-Equity is 13.96%, which is near median its own 10-year median of 14.68. 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 $18.68, compared to a current price of $23.34 — trading 24.9% above its estimated fair value. The current Return-on-Tangible-Equity is 13.96%, which is near median its 10-year median of 14.68 and 24.6% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current Return-on-Tangible-Equity is 13.96% 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 $23.34 is trading 24.9% above its estimated GF Value™ of $18.68.
GuruFocus considers Old Second Bancorp to be Modestly Overvalued.
Key valuation signals for OSBC:
Return-on-Tangible-Equity: 13.96% (near median its 10-year median of 14.68)
GF Value™: $18.68 vs. price of $23.34 (24.9% above fair value)
Industry Position: 24.6% above the Banks median (#604 of 1523)
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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