Old Second Bancorp (FRA:OSB) Risk Assessment


FRA:OSB Old Second Bancorp Inc FRA:OSB
69 GF Score
Price €20.00
GF Value €16.09
! 7 Warning Signs
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What is Old Second Bancorp Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Old Second Bancorp is: No Data: Cannot be evaluated.

Old Second Bancorp  (FRA:OSB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Old Second Bancorp Risk Assessment Related Terms

FRA:OSB vs HFWA, CCB, UVSP: Risk Assessment Comparison

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

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

* The bar in red indicates where Old Second Bancorp's Risk Assessment falls into.


FRA:OSB
69GF Score
Old Second Bancorp Inc FRA:OSB
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €20.00 is trading 24.3% above its estimated GF Value™ of €16.09.

Key valuation signals for FRA:OSB:

  • Risk Assessment:
  • GF Value™: €16.09 vs. price of €20.00 (24.3% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for FRA:OSB

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

€20.00
Price
€16.09
GF Value