Old Second Bancorp (OSBC) Valuation Check After Q1 2026 Earnings And Higher Credit Costs

Simply Wall St.

May 10

AdvertisementQ1 2026 earnings event reshapes the story Old Second Bancorp (OSBC) just posted Q1 2026 results that combine higher net income, a completed acquisition that expanded assets and footprint,...

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Its 1 year total shareholder return of 27.57% and 3 year total shareholder return of 95.98% point to momentum...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"OSBC":"Old Second Bancorp"},"translate_title":"Old Second Bancorp(OSBC)2026年第一季度盈利和信贷成本上升后的估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"OSBC":1.5},"content_text":"AdvertisementQ1 2026 earnings event reshapes the story Old Second Bancorp (OSBC) just posted Q1 2026 results that combine higher net income, a completed acquisition that expanded assets and footprint, and a clear rise in credit costs tied to problem loans. See our latest analysis for Old Second Bancorp. At a share price of $21.08, Old Second Bancorp has a year to date share price return of 8.21%. Its 1 year total shareholder return of 27.57% and 3 year total shareholder return of 95.98% point to momentum that has been building over time. If these earnings have you thinking more broadly about where growth and income could come from next, it may be worth scanning 18 top founder-led companies With Q1 bringing higher net income, a larger balance sheet and sharply higher credit costs, the stock now sits about 10% below one analyst target. Is OSBC still undervalued, or is the market already pricing in future growth? Most Popular Narrative: 9.9% Undervalued The most followed narrative pegs Old Second Bancorp’s fair value at $23.40, a touch above the recent $21.08 close, and ties that gap to earnings quality and modelled cash flows using a 6.98% discount rate.  Ongoing economic growth in suburban and exurban Midwest markets, paired with company commentary around loan origination momentum and deposit growth, is likely to support sustained mid single digit loan and deposit growth, expanding both revenue and earnings potential over the next few years.  Read the complete narrative. Want to see what sits behind that growth story and fair value gap? The narrative leans on a specific blend of revenue, margin and earnings assumptions that are not obvious from the headline numbers. Result: Fair Value of $23.40 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this depends on OSBC managing its concentrated Illinois exposure and any deterioration in commercial real estate credit, which could pressure earnings, capital, and that valuation gap. Find out about the key risks to this Old Second Bancorp narrative. Next Steps With sentiment clearly mixed, and with both risks and rewards in play, it makes sense to move quickly, review the data for yourself, and weigh the 3 key rewards and 2 important warning signs Looking for more investment ideas? If OSBC has your attention, do not stop here. Broaden your watchlist with a few focused stock ideas built from clear fundamentals and income potential.  Target resilient companies with strong finances by scanning the solid balance sheet and fundamentals stocks screener (44 results). Identify quality at a reasonable price by reviewing the 51 high quality undervalued stocks. Explore potential income streams by checking out the 12 dividend fortresses.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n        and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n        financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n        Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n        Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"dataReport","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}