Old Second Bancorp (OSBC) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.55
- Estimate
- $0.58
- Surprise
- -5.2%
- Score at report (before → after)
- 6.0 → 5.9/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Old Second Bancorp (OSBC) missed the $0.58 estimate with adjusted EPS of $0.55 — a clear 5.2% shortfall. TrendMatrix's engine moved from Buy (Wait) (6.0/10) to Sell at 5.9/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates OSBC Hold at 6.2/10.
1 of the last 4 quarters beat the estimate; this quarter's -5.2% surprise compares with a -0.2% four-quarter average. Next scheduled report: 2027-01-20.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Earnings estimates trending UP
What argues against it
- Single-region cliff: 67% exposure to Illinois, Wisconsin, and Indiana (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.
- Concentration risk — Geographic: Illinois, Wisconsin, and Indiana (66.8%)
- Analyst target reached - limited upside remaining
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $25.08
- Stop
- $23.60
At 11.7× trailing and 10.6× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-11-11 — shown for context, not personalized investment advice.
OSBC at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $1.24B
- P/E (fwd)
- 10.6
- P/E (ttm)
- 11.7
- 52-week range
- $17.61–$26.06
- Off 52-week high
- 3.8%
- RSI (14)
- 53
- Volume vs avg
- 1.06×
- Score today
- 6.2/10