Will Old Second Bancorporation stock go up?

According to Danelfin AI, Old Second Bancorporation has today an AI Score of 6/10 (Hold rating), because its probability of beating the market in 3 months (56.36%) is +5.54% vs. the average probability (50.82%) of all US-listed stocks.

What is the target price for Old Second Bancorporation stock?

The Old Second Bancorporation target price is $23.25 (1Y), according to the average price target offered by analysts.

Is it a good time to buy, sell, or hold Old Second Bancorporation stock right now?

Old Second Bancorporation has today a Hold rating (AI Score 6/10), according to Danelfin AI. Its probability of beating the market in 3 months (56.36%) is +5.54% vs. the average probability (50.82%) of all US-listed stocks, based on our AI-powered analysis. You can find more details on whether Old Second Bancorporation stock is a good buy .

Is Old Second Bancorporation undervalued right now?

Based on analysts, the average price target downside for Old Second Bancorporation is 0.00% (1Y). According to Danelfin AI, Old Second Bancorporation has today an AI Score of 6/10 (Hold Rating).

What was the price range of Old Second Bancorporation stock over the past 12 months?

The Old Second Bancorporation stock price range over the past 12 months has been $16.56 - $23.62.

What is going on with Old Second Bancorporation stock in the last 3 months?

The Old Second Bancorporation stock performance in the last quarter has been +13.69%.

Does Old Second Bancorporation offer dividend payments?

Yes, Old Second Bancorporation stock dividend yield is 1.16%.

What is the current market capitalization of Old Second Bancorporation?

Old Second Bancorporation's market cap is $1.19B, as of 2026-07-03 08:00.

Old Second Bancorp Inc (OSBC) AI Stock Analysis

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OSBC AI-Powered Stock Analysis

AI Score Explanation

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Valuation+3.54%
How the stock is priced relative to its fundamentals
Sentiment+1.06%
How analysts and the market view the stock
Earnings Quality+0.69%
Stability and reliability of reported earnings
Volatility+0.35%
How much the stock price tends to fluctuate
Size & Liquidity+0.21%
Company size and trading liquidity
Growth+0.16%
Expected pace of revenue and earnings expansion

Momentum-0.30%
Direction and strength of recent price movements
Profitability-0.18%
Profitability and operating efficiency metrics

OSBC probability advantage of beating the market (3M):

+5.54%

AI Score

Hold

Old Second Bancorporation (OSBC) has an AI Score of 6/10 (Hold) because, according to an overall analysis, it has a probability advantage of +5.54% of beating the market (S&P500) in the next 3 months. This advantage is calculated as the difference between the average probability of any US-listed stock (50.82%) and the probability of OSBC (56.36%) of outperforming the market in the next 3 months, as determined by Danelfin AI’s comprehensive analysis.

Average probability of any US-listed stock of beating the market (3M)50.82%
OSBC probability advantage of beating the market (3M)+5.54%
OSBC probability of beating the market (3M)56.36%

OSBC probability advantage of beating the market (3M): +5.54%

The AI-powered overall analysis of Old Second Bancorporation (OSBC) is based on the 27 fundamental, technical, and sentiment features that had the greatest impact on stock performance during the last 12 months (alpha signals). These alpha signals explain the probability advantage of OSBC:

Type	Alpha Signal	Current Value	Value Decile Position	Probability Advantage Impact (3M)
Fundamental	Fundamentals Impact (Long Tail)	-	N/A	+3.18%
Sentiment	Industry (GICS)	Banks	N/A	+1.08%
Sentiment	Sentiment Impact (Long Tail)	-	N/A	+0.69%
Fundamental	Operating Cash Flow (Qtr Discrete)	36.94		+0.69%
Technical	Chart Pattern (252d)	figure_76	N/A	+0.54%
Technical	Chart Pattern (180d)	figure_169	N/A	-0.44%
Technical	Technicals Impact (Long Tail)	-	N/A	+0.42%
Fundamental	Tangible Shareholders' Equity	732.01		+0.40%
Technical	Chart Pattern (90d)	figure_139	N/A	-0.38%
Fundamental	Net Property, Plant & Equipment (Net PP&E)	85.63		-0.37%
Technical	Upgrade to unlock			-0.37%
Technical	Upgrade to unlock			-0.34%
Sentiment	Upgrade to unlock			-0.33%
Sentiment	Upgrade to unlock			-0.30%
Technical	Upgrade to unlock			+0.27%

Rest of Alpha Signals: +0.78%

OSBC probability advantage of beating the market (3M)Total:+5.54%
OSBC AI Score

Significant changes Vs previous day

OSBC Trading Parameters

These suggested trading parameters for a 3-month horizon help improve risk management and decision-making.

Entry:$23.25
Horizon: 3 months
Stop Loss:$XXXXXPro (XXXXXPro) or AI Score < 4/10
Take Profit:$XXXXXPro (XXXXX
Pro
) or AI Score < 4/10

OSBC Proven Hold Signal & Price Forecast

This is the price chart for OSBC from January 2, 2026 until today. The chart indicates, in yellow, the 48 days when the stock received a Hold rating (hold signals, AI Score 4 to 6).

Forecast: In the section below, the central dotted line represents the most expected path, while the shaded area indicates the anticipated price range. This is based on previous Hold signals with a 90% confidence level.

Full Track Record

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Closing price (USD)
Hold signals

Forecast:

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1 Year

OSBC Average Past Performance & Win Rate

Three months after its 1296 Hold signals since July 2026, OSBC had an average performance of xxxxxx and a xxxxxx Win rate (positive performance).

1296 Past OSBC Hold Signals	1 Month Later	3 Months Later	6 Months Later	1 Year Later
Average Performance				+3.63%
Average Alpha				-8.36%
Win Rate (% Positive Perf.)				55.95%
% Positive Alpha				38.35%

OSBC Frequently Asked Questions

Will Old Second Bancorporation stock go up?
According to Danelfin AI, Old Second Bancorporation has today an AI Score of 6/10 (Hold rating), because its probability of beating the market in 3 months (56.36%) is +5.54% vs. the average probability (50.82%) of all US-listed stocks.
What is the target price for Old Second Bancorporation stock?
Is it a good time to buy, sell, or hold Old Second Bancorporation stock right now?
Is Old Second Bancorporation undervalued right now?
What was the price range of Old Second Bancorporation stock over the past 12 months?
What is going on with Old Second Bancorporation stock in the last 3 months?
Does Old Second Bancorporation offer dividend payments?
What is the current market capitalization of Old Second Bancorporation?

Old Second Bancorp Inc Company Profile

Old Second Bancorp, Inc. serves as the parent company for Old Second National Bank, contributing to community banking services. It delivers a range of account services which include demand, NOW, money market, savings, time deposit, individual retirement accounts and check accounts in tandem with certificate of deposit accounts. Additionally, it handles an array of loans like commercial loans; lease financing receivables; various real estate loans including commercial real estate and construction loans; residential first mortgage and second mortgage loans; home equity line of credit; consumer loans entailing motor vehicle, home improvement and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking.

The company also offers safe deposit services along with trust and wealth management services. Its suite of additional amenities encompasses money orders, cashier’s checks, foreign currency handling, direct deposits procurement facility, discount brokerage service as well as debit and credit cards provision. Besides these offerings, it also facilitates acquisition of U.S treasury notes and bonds.

Depicting a strong virtual presence through its online and mobile banking platforms, the corporation further dispenses corporate cash management products such as remote mobile deposits capture system that includes investment sweep accounts. This extends to zero balance accounts…and vault facilities for storing currency/coin-based transactions. Alongside all these expansive amenities it provides agency investment support accompanied by custodial services serving individuals or corporate/not-for-profit clients.

Established in 1981 with its headquarters proudly stationed in Aurora Illinois to-date this marks the illustrious stride made by Old Second Bancorp Inc., solidifying its reputable status within the industry.

Sector:Financials
Country:United States
Industry:Banks
Address:37 S River St, Aurora
Employees:1,062
Website:oldsecond.com

Pros

Stable, localized core deposit funding base

Customer relationship-driven business model

Operating leverage from branch network infrastructure

Cross-selling opportunities across financial products

Regulatory expertise in a complex industry

Cons

Sensitivity to interest rate fluctuations

Concentration risk in regional economic conditions

Intense competition from larger financial institutions

Cyclical exposure to credit quality deterioration

High regulatory compliance and capital costs

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OSBC Stock AI Analysis