What Is Old Second Bancorp, Inc. (OSBC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Old Second Bancorp, Inc.'s intrinsic value is estimated at a composite fair value of $29.98. While the stock appears modestly undervalued at $23.06 (implied upside of +30.0%), our analysis suggests a thinner margin of safety across 7 of 12 bullish models. Notably, ML-RIV sees the most upside at +184.9% (fair value: $65.70), while EPV is the most conservative at -61.2% ($8.96). The spread between these extremes — +246.0% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About OSBC?
12 of 13 models are currently active for OSBC. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates OSBC's intrinsic value at $43.77, implying +89.8% upside from the current price. See which stocks rank higher →
How Does OSBC Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, OSBC ranks #29 by Quality of Company score. CirclFi's QOC score of 8.8/10 evaluates 32 fundamental signals. A score of 8.8 places OSBC in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, Old Second Bancorp, Inc. competes in an environment where net interest margin (NIM) often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is OSBC a Value Trap?
The Value Trap algorithm is not active for OSBC. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Old Second Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Old Second Bancorp, Inc. is rated at 8.8/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +246.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every OSBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across OSBC's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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