OSBC Should I Buy
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Old Second Bancorp Inc (OSBC) is not a strong buy at the moment for a beginner, long-term investor. While the company has shown strong financial performance in the latest quarter, the technical indicators are neutral, and insider selling has surged significantly. Additionally, there are no strong positive catalysts or trading signals to support an immediate buy decision.
The MACD histogram is negative at -0.0756, indicating bearish momentum, but it is contracting. RSI is neutral at 48.174, suggesting no overbought or oversold conditions. Moving averages are converging, showing no clear trend. Key support and resistance levels are Pivot: 20.291, R1: 20.952, S1: 19.63, R2: 21.36, S2: 19.222.
Strong financial performance in Q4 2025 with revenue up 32.55% YoY, net income up 50.64% YoY, and EPS up 28.57% YoY. Analysts expect growth to inflect higher in 2026 with sound cost control.
Insider selling has increased by 678.63% in the last month. Elevated non-performing asset balance compared to peers is a concern. No recent news or significant hedge fund activity to support a positive sentiment.
In Q4 2025, revenue increased to $91,212,000 (up 32.55% YoY), net income increased to $28,787,000 (up 50.64% YoY), and EPS increased to 0.54 (up 28.57% YoY). Gross margin remained unchanged.
DA Davidson raised the price target to $23 from $22 and maintained a Neutral rating. Analysts highlighted a strong net interest margin but noted higher-than-historical net charge-offs and elevated non-performing assets as concerns.
