OSBC (Old Second Bancorp) Tariff Resilience Score: 9/10 (As of Jun. 29, 2026)


OSBC Old Second Bancorp Inc OSBC
68 GF Score
Price $23.36
GF Value $18.66
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Old Second Bancorp Tariff Resilience Score?

Old Second Bancorp OSBC +1.63% 68 Tariff Resilience Score is 9 as of Jun. 29, 2026. GuruFocus rates OSBC with a GF Score™ of 68/100 and a GF Value™ of $18.66 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,610 Banks companies, Old Second Bancorp ranks better than 99.25% on this metric.

Old Second Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Old Second Bancorp has Old Second Bancorp Inc, a regional bank, has negligible exposure to tariffs. Its operations are primarily domestic, with no significant import/export activities. The financial services industry is generally insulated from direct tariff impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Old Second Bancorp might have Highly Resilient.

Old Second Bancorp  (NAS:OSBC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Old Second Bancorp Tariff Resilience Score Related Terms

OSBC vs HFWA, CCB, UVSP: Tariff Resilience Score Comparison

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

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

* The bar in red indicates where Old Second Bancorp's Tariff Resilience Score falls into.


OSBC
68GF Score
Old Second Bancorp Inc OSBC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Old Second Bancorp (OSBC) has a Tariff Resilience Score of 9 as of Jun. 29, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Old Second Bancorp ranks #12 out of 1610 companies in the Banks industry, placing it in the top 0.7%.
Is Old Second Bancorp's Tariff Resilience Score too high?
Old Second Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, Old Second Bancorp ranks #12 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Old Second Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Tariff Resilience Score compare to HFWA and CCB?
According to the Banks industry distribution chart, Old Second Bancorp ranks #12 out of 1610 companies for Tariff Resilience Score. This places Old Second Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Old Second Bancorp's current Tariff Resilience Score is 9. 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 $18.66, compared to a current price of $23.36 — trading 25.2% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current Tariff Resilience Score is 9 as of Jun. 29, 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 $23.36 is trading 25.2% above its estimated GF Value™ of $18.66. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

  • Tariff Resilience Score: 9
  • GF Value™: $18.66 vs. price of $23.36 (25.2% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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

$23.36
Price
$18.66
GF Value