OSBC (Old Second Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


OSBC Old Second Bancorp Inc OSBC
69 GF Score
Price $23.24
GF Value $18.68
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Old Second Bancorp ROC (Joel Greenblatt) %?

Old Second Bancorp OSBC -1.69% 69 ROC (Joel Greenblatt) % is % as of Mar. 2026. 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 47 Banks companies, Old Second Bancorp ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

OSBC
69GF Score
Old Second Bancorp Inc OSBC
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Old Second Bancorp (OSBC) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Old Second Bancorp and its competitors. According to the industry distribution chart, Old Second Bancorp ranks #999999 out of 47 companies in the Banks industry.
Is Old Second Bancorp's ROC (Joel Greenblatt) % too high?
Old Second Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Old Second Bancorp ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to HFWA and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Old Second Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current ROC (Joel Greenblatt) % is %. 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 $23.24 — trading 24.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current ROC (Joel Greenblatt) % is % 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 $23.24 is trading 24.4% above its estimated GF Value™ of $18.68. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $18.68 vs. price of $23.24 (24.4% 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.24
Price
$18.68
GF Value