What is the 13F Pro Quality Score for OSBC?

13F Pro ranks OLD SECOND BANCORP INC (OSBC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OSBC's current score at https://13fpro.ai/company/OSBC (free sign-up required for the full ranking).

Where does 13F Pro source OSBC data?

All OLD SECOND BANCORP INC fundamentals and ownership data come directly from SEC EDGAR. OLD SECOND BANCORP INC files with the SEC under CIK 357173. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OSBC in?

OLD SECOND BANCORP INC (OSBC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives OSBC's revenue?

Per OLD SECOND BANCORP INC's latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Noninterest income ($13.3M, +$2.4M YoY (+21.7% YoY)). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/OSBC.

How often is OSBC research updated on 13F Pro?

OSBC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

OLD SECOND BANCORP INC(OSBC)Stock Analysis

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13F Pro Quality Score

58.7/100

Rank #990 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

72.5/100

Profitability

78.9/100

Balance Sheet

49.1/100

Earnings Quality

70.3/100

Free Cash Flow

89.5/100

Institutional Flow

74.1/100

Revenue Scale

32.9/100

Dilution Risk

43.8/100

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Why OSBC Scores 59/100

exact factor attribution · 2026-09-11

OSBC's composite is driven by revenue growth and free cash flow, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+6.0 pts

73th pct

Free cash flow

+5.9 pts

90th pct

Profitability

+5.8 pts

79th pct

Earnings quality

+2.0 pts

70th pct

Institutional flow

+1.6 pts

74th pct

Capital efficiency

-0.1 pts

49th pct

Shareholder dilution

-0.4 pts

44th pct

Earnings growth

-0.7 pts

39th pct

Scale

-3.4 pts

33th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

OSBC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for OLD SECOND BANCORP INC (OSBC), a Financials sector company. 13F Pro's AI-powered ranking engine scores OSBC at 58.7/100 on a 32-signal composite quality model, placing it at rank #990 of 2,962 stocks — the top half of the AI-ranked universe. OSBC scores in the top quartile across free cash flow (89.5), profitability (78.9). Areas of concern include revenue scale (32.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 43.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), OLD SECOND BANCORP INC reports quarterly revenue of $96.6M, net income of $28.2M, an operating margin of 39.2%. Top institutional holders of OSBC by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. OSBC trades on the Nasdaq exchange and files with the SEC under CIK 357173. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OSBC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OLD SECOND BANCORP INC directly from SEC EDGAR. OLD SECOND BANCORP INC's 13F Pro composite quality score has ranged between 35 and 59 since 2026, currently 58.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving OSBC's Business? Latest 10-Q Breakdown

AI-extracted from OLD SECOND BANCORP INC's 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $28.2M ($0.54 diluted EPS) grew 29% YoY, driven by Bancorp Financial acquisition (+$1.25B loan portfolio, +$1.2B deposits) and 38bps NIM expansion to 5.21%, partially offset by 3x higher provision for credit losses.

Biggest Revenue Drivers

Noninterest income$13.3M+$2.4M YoY (+21.7% YoY)

Gains on mortgage loan sales +$90K; BOLI cash surrender value +$779K; wealth management +$525K; powersport and consumer fees +$551K from Bancorp acquisition.

Biggest Revenue Drivers

Total revenue: $101.2M+26.0M YoY interest income; +$2.4M nonin

Noninterest income$13.3M+$2.4M YoY (+21.7% YoY)

Gains on mortgage loan sales +$90K; BOLI cash surrender value +$779K; wealth management +$525K; powersport and consumer fees +$551K from Bancorp acquisition.

Largest Expense Items

Salaries and employee benefits$30.1M+$3.2M YoY (+11.7% YoY)

Bancorp Financial acquisition added employees; higher base salary rates, stock compensation, 401(k), and deferred compensation expense.

Computer and data processing$3.2M+$525K YoY (+19.5% YoY)

Bancorp Financial acquisition operational costs and systems conversion completed October 2025.

Consumer credit expense$1.7M+$1.7M YoY (from $15K)

Powersport loan portfolio from Bancorp acquisition: title fees, credit checks, collection, statement costs, onboarding software.

Margins: Net interest margin (GAAP) expanded 38 bps to 5.21% YoY, driven by higher loan yields (+63 bps from Bancorp acquisition powersport/consumer portfolio) and accretion on purchased loans, partially offset by higher deposit costs (+17 bps on interest-bearing deposits) and increased FHLB borrowing expense. NIM also benefited from asset-sensitive positioning in stable-rate environment.

Watch Items from the Filing

Nonperforming loans increased to 1.1% of total loans ($56.5M) from 1.0% at December 31, 2025 and 0.8% a year ago; primarily driven by two commercial relationships totaling $16.5M moved to nonaccrual in Q1 2026, with $3M charged off in Q2. Classified assets ratio 15.14% at June 30 vs 17.82% at December 31, 2025.
Provision for credit losses surged to $7.5M in Q2 2026 vs $2.5M in Q2 2025 and $9.5M in Q1 2026; driven by elevated charge-offs ($9.2M in Q2 vs $785K YoY) and one commercial relationship downgrade. Annualized net charge-offs 0.71% of avg loans, up from 0.08% YoY.
Deposits decreased $151M to $5.44B from December 31, 2025, primarily from $185M reduction in time deposits as exception-priced deposits and brokered CDs from Bancorp acquisition run off. Brokered deposits $30.3M remaining expected to mature by early 2028.
Commercial real estate loans and undrawn commitments (excluding owner-occupied) equal 210.2% of Tier 1 capital plus ACL, down from 220.3% at December 31, 2025; real estate lending comprises 55.1% of loan portfolio. Downtown Chicago office and declining occupancy office assets in nonaccrual status.
Capital ratios remain strong: Common Equity Tier 1 13.28%, Total Risk-Based 15.26%, Tier 1 Leverage 12.05%, all exceeding well-capitalized thresholds. Shares repurchased 1.9M for $38.8M in first half 2026; $546M authorized repurchase capacity remaining.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$96.6M

Net Income

Q2 2026

$28.2M

Free Cash Flow

Q2 2026

$27.9M

Operating Margin

Q2 2026

39.2%

ROIC

Q2 2026

11.0%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+18.9% YoY

$339.3MFY 2025

FY22 $249.3MFY23 $286.1MFY24 $285.5MFY25 $339.3M

Net Income

-5.8% YoY

$80.3MFY 2025

FY22 $67.4MFY23 $91.7MFY24 $85.3MFY25 $80.3M

EPS (Diluted)

-13.4% YoY

$1.62FY 2025

FY22 $1.49FY23 $2.02FY24 $1.87FY25 $1.62

Total Assets

+22.2% YoY

$6.90BFY 2025

FY22 $5.89BFY23 $5.72BFY24 $5.65BFY25 $6.90B

Total Debt

+138.8% YoY

$338.9MFY 2025

FY22 $260.8MFY23 $516.6MFY24 $141.9MFY25 $338.9M

Op. Cash Flow

-7.0% YoY

$122.3MFY 2025

FY22 $97.3MFY23 $116.4MFY24 $131.5MFY25 $122.3M

Free Cash Flow

-2.5% YoY

$117.8MFY 2025

FY22 $93.0MFY23 $104.0MFY24 $120.7MFY25 $117.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$339.3M +18.9%	$285.5M -0.2%	$286.1M +14.8%	$249.3M +83.3%	$136.0M +5.2%	$129.2M
Net Income	$80.3M -5.8%	$85.3M -7.0%	$91.7M +36.1%	$67.4M +236.3%	$20.0M -28.0%	$27.8M
EPS (Diluted)	$1.62 -13.4%	$1.87 -7.4%	$2.02 +35.6%	$1.49 +129.2%	$0.65 -29.3%	$0.92
Total Assets	$6.90B +22.2%	$5.65B -1.3%	$5.72B -2.8%	$5.89B -5.2%	$6.21B +104.3%	$3.04B
Total Debt	$338.9M +138.8%	$141.9M -72.5%	$516.6M +98.1%	$260.8M +31.1%	$198.9M +23.9%	$160.5M
Operating Cash Flow	$122.3M -7.0%	$131.5M +13.0%	$116.4M +19.6%	$97.3M +213.5%	$31.0M +19.5%	$26.0M
Free Cash Flow	$117.8M -2.5%	$120.7M +16.1%	$104.0M +11.8%	$93.0M +220.6%	$29.0M +31.5%	$22.1M

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Available Research

13F Pro tracks comprehensive data for OLD SECOND BANCORP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OSBC

BlackRock, Inc.
$100.2M4,298,683 sh
DIMENSIONAL FUND ADVISORS LP
$58.3M2,498,671 sh
VANGUARD CAPITAL MANAGEMENT LLC
$50.8M2,179,877 sh
STATE STREET CORP
$42.9M1,839,202 sh
Davis Asset Management, L.P.
$42.0M1,800,000 sh
AMERICAN CENTURY COMPANIES INC
$41.6M1,783,820 sh
GOLDMAN SACHS GROUP INC
$37.9M1,624,852 sh
FJ Capital Management LLC
$34.1M1,460,413 sh
Boston Partners
$32.9M1,415,165 sh
GEODE CAPITAL MANAGEMENT, LLC
$31.5M1,349,432 sh

Fund	Value	Shares
BlackRock, Inc.	$100.2M	4,298,683
DIMENSIONAL FUND ADVISORS LP	$58.3M	2,498,671
VANGUARD CAPITAL MANAGEMENT LLC	$50.8M	2,179,877
STATE STREET CORP	$42.9M	1,839,202
Davis Asset Management, L.P.	$42.0M	1,800,000
AMERICAN CENTURY COMPANIES INC	$41.6M	1,783,820
GOLDMAN SACHS GROUP INC	$37.9M	1,624,852
FJ Capital Management LLC	$34.1M	1,460,413
Boston Partners	$32.9M	1,415,165
GEODE CAPITAL MANAGEMENT, LLC	$31.5M	1,349,432

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Is OSBC a good stock to buy?

13F Pro's AI-powered analysis of OLD SECOND BANCORP INC (OSBC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OSBC are available on the OSBC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. OSBC is classified as a small company.

Which hedge funds own OSBC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OSBC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of OLD SECOND BANCORP INC's investment landscape.