OSBC
Old Second Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: OSBC
- PE Ratio
The current PE ratio for Old Second Bancorp stock as of Jun 22, 2026 is 12.76. This is calculated based on the TTM EPS of $1.73 and the stock price of $22.08 per share. The PE ratio has grown by 15% from its last 4 quarters average of 11.1.
OSBC PE ratio history
The average historical PE ratio of Old Second Bancorp for the last ten years is 13.24. The current P/E ratio of 12.76 is 3.6% lower than the historical average. Looking back at the last ten years, OSBC's PE ratio peaked in the Mar 2022 quarter at 27.9, when the price was $14.51 and the EPS was $0.52. The lowest point was in the Sep 2023 quarter, when it reached 6.24 with a price of $13.61 and an EPS of $2.18.
Old Second Bancorp PE ratio by year
Maximum annual increase: 1,272.94% in 2014
Maximum annual decrease: -57.4% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.89 | 27.03% | $19.5 | $1.64 |
| 2024 | 9.36 | 24.3% | $17.78 | $1.9 |
| 2023 | 7.53 | -29.1% | $15.44 | $2.05 |
| 2022 | 10.62 | -44.34% | $16.04 | $1.51 |
| 2021 | 19.08 | 77.65% | $12.59 | $0.66 |
| 2020 | 10.74 | 5.29% | $10.1 | $0.94 |
| 2019 | 10.2 | -10.53% | $13.47 | $1.32 |
| 2018 | 11.4 | -57.4% | $13 | $1.14 |
| 2017 | 26.76 | 28.35% | $13.65 | $0.51 |
| 2016 | 20.85 | 22.36% | $11.05 | $0.53 |
| 2015 | 17.04 | 46.02% | $7.84 | $0.46 |
| 2014 | 11.67 | 1,272.94% | $5.37 | $0.46 |
| 2013 | 0.85 | N/A | $4.62 | $5.45 |
| 2012 | N/A | N/A | $1.22 | -$0.36 |
| 2011 | N/A | N/A | $1.3 | -$0.79 |
Old Second Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 11.65 | -2.02% | $20.16 | $1.73 |
| Dec 2025 | 11.89 | 5.97% | $19.5 | $1.64 |
| Sep 2025 | 11.22 | 18.23% | $17.29 | $1.54 |
| Jun 2025 | 9.49 | 6.03% | $17.74 | $1.87 |
| Mar 2025 | 8.95 | -4.38% | $16.64 | $1.86 |
| Dec 2024 | 9.36 | 12.91% | $17.78 | $1.9 |
| Sep 2024 | 8.29 | 6.97% | $15.59 | $1.88 |
| Jun 2024 | 7.75 | 11.99% | $14.81 | $1.91 |
| Mar 2024 | 6.92 | -8.1% | $13.84 | $2 |
| Dec 2023 | 7.53 | 20.67% | $15.44 | $2.05 |
| Sep 2023 | 6.24 | -1.58% | $13.61 | $2.18 |
| Jun 2023 | 6.34 | -20.15% | $13.06 | $2.06 |
| Mar 2023 | 7.94 | -25.24% | $14.06 | $1.77 |
| Dec 2022 | 10.62 | -48.72% | $16.04 | $1.51 |
| Sep 2022 | 20.71 | -22.61% | $13.05 | $0.63 |
OSBC Price vs fair value
OSBC average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
OSBC's current PE ratio is higher than the 3 and 5-year averages, but it is lower than its 10-year average.
PE comparison
Old Second Bancorp's price to earnings (P/E) of 12.76 is lower than the Financial Services sector and the industry average. But in comparison with the Financial Services sector average of 12.78, Old Second Bancorp's price to earnings (P/E) is only 0.2% lower.
OSBC PE vs peers
In comparison to its peer WTFC, OSBC's PE ratio is lower, but it is higher than BUSE's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| BUSE First Busey Corp | 12.67 | $2.44B |
| WTFC Wintrust Financial Corp | 13.01 | $10.62B |
| OSBC Old Second Bancorp Inc | 13.05 | $1.16B |
Frequently asked questions
What is Old Second Bancorp's PE ratio?
OSBC stock has a price to earnings ratio of 12.76 as of Jun 22, 2026.
What is the 3-year average PE ratio for Old Second Bancorp (OSBC)?
Over the last 3 years, the average price to earnings ratio for OSBC stock is 8.8.
What is the 5-year average PE ratio for Old Second Bancorp (OSBC)?
Over the last 5 years, the average price to earnings ratio for OSBC stock is 11.91.
What is the highest PE ratio for OSBC?
The highest quarterly PE ratio in the last ten years has been 27.9 and it was in the Mar 2022 quarter.
How does the current PE ratio for OSBC compare to its historical average?
The current PE ratio of OSBC is 3.6% lower than the 10-year historical average.
How is OSBC's PE ratio calculated (Old Second Bancorp PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 22, 2026), Old Second Bancorp's share price is $22.08. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.73. Therefore, Old Second Bancorp's PE ratio for today is 12.76. PE RATIO(12.76) = STOCK PRICE($22.08) / TTM EPS($1.73)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.