Old Second Bancorp stock heads into Q3 results with 5.23% margin

Published on 10/05/2026 at 18:18 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Old Second Bancorp stock was trading at USD 24.82 on October 5, 2026, 4.76 percent below its 52-week high. Q2 net income reached USD 28.2 million.

OSBC, US6802771005, Illustration mit AI erstellt.

Old Second Bancorp (ISIN US6802771005) was trading at USD 24.82 on Nasdaq at 12:15 p.m. ET on October 5, 2026, with a market capitalization of USD 1.3 billion. The bank is preparing to publish third-quarter results after the market closes on October 21, 2026, according to StockTitan.

Q3 results set for October 21

The October 1, 2026, filing states that Old Second Bancorp will release its financial results for Q3 2026 after the market closes on October 21. The company scheduled its earnings call for October 22 at 10:00 a.m. ET, giving investors a defined checkpoint for loan growth, credit quality and net interest income.

The Q3 event follows a profitable second quarter. FinancialContent reported that GAAP net income reached USD 28.2 million, or USD 0.54 in diluted EPS, in Q2 2026, compared with USD 25.6 million and USD 0.48 in Q1 2026.

Net interest margin drives the story

The bank's Q2 adjusted net income was USD 28.7 million and adjusted diluted EPS was USD 0.55, up from USD 26.0 million and USD 0.49 in Q1, according to FinancialContent. That progression puts the Q3 release in a clear operating context: the next report must show whether earnings momentum is holding while the bank manages funding costs and credit risk.

Analyst sentiment is constructive but the target spread is limited at the current quote. MarketBeat reported a Moderate Buy consensus from seven analysts on September 21, 2026, with five Buy ratings, two Hold ratings and an average 12-month price target of USD 25.40. The target lies 2.34 percent above the Nasdaq price of USD 24.82.

MarketBeat also reported that Piper Sandler raised its price objective from USD 26.00 to USD 30.00 on July 27, 2026, while Zacks Research cut its rating from Strong Buy to Hold on August 31, 2026. The difference between those views makes the October report important for testing whether the bank's margin and credit trends support the more optimistic valuation case.

Stock remains below its yearly high

Old Second Bancorp stock was trading at USD 24.82 on Nasdaq on October 5, 2026, down USD 0.13, or 0.52 percent, from the previous close. The price was 4.76 percent below the 52-week high of USD 26.06 and above the 52-week low of USD 16.65, while volume stood at 163,257 shares.