<p>Old Second Bancorp (OSBC) 再次成为焦点，因为雷蒙德·詹姆斯在该银行参加小型银行峰会后重申了其强烈买入评级，并且在一个季度中，尽管每股收益未达预期，但收入超出了预期。</p>
<p>查看我们对 Old Second Bancorp 的最新分析。</p>
<p>重申的强烈买入评级正值 Old Second 的股价悄然积累动能，30 天的股价回报率达到 11.23%，推动了 5 年总股东回报率达到 122.81%。这表明投资者看到尽管最近每股收益未达预期，但增长前景正在改善。</p>
<p>如果这种稳定的银行故事让你想到其他可能被忽视的机会，现在是探索高内部持股的快速增长股票以寻找其他吸引人想法的好时机。</p>
<p>在股价接近历史高点但仍以较大折扣交易于某些内在价值估算时，Old Second Bancorp 是一个被低估的复合增长股，还是最近的反弹已经将下一个增长阶段的预期价格纳入了？</p>
<h2>最受欢迎的叙述：低估 5.7%</h2>
<p>Old Second Bancorp 最近收盘价为 20.51 美元，而叙述的公允价值为 21.75 美元，差距虽小但仍指向上行空间。</p>
<p><em>最近的 Evergreen Bank 收购表现超出预期，提供了高于预期的盈利能力和更有利的资产组合，预计将推动增量收入增长，增强净利差，并在整合完成后提升资产回报率。</em></p>
<p>阅读完整叙述。</p>
<p>想看看一笔交易和重新调整的利润率如何为未来的收益倍数提供更高的合理性吗？叙述概述了潜在的增长跑道、盈利能力的变化以及将这些要素联系在一起的估值桥梁。想知道哪些假设需要成立才能实现这种上行空间吗？继续阅读以了解这一公允价值评估背后的框架。</p>
<p><strong>结果：公允价值为 21.75 美元（被低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，这种上行空间依赖于伊利诺伊州的韧性以及 Old Second 在数字化方面的跟进，因为任何地方性的经济下滑或技术滞后都可能迅速挑战这一论点。</p>
<p>了解 Old Second Bancorp 叙述的关键风险。</p>
<h2>另一种观点：倍数讲述了更艰难的故事</h2>
<p>忽视与公允价值的 5.7% 小幅折扣，情况变得更加复杂。在市盈率方面，Old Second 的市盈率为 15.3 倍，明显高于同行的 11.4 倍和市场可能转向的 14.5 倍的公允比率。</p>
<p>这种溢价意味着即使是稳健的执行也可能仅能证明今天的价格，而任何失误都可能迅速压缩估值，留下的错误空间比叙述所暗示的要小。这是值得支付的质量溢价，还是已经消失的安全边际？</p>
<p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/cacdb93c-b2cc-49f3-9c17-fd6b46f18912/chart/pe-multiple-vs-industry?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1640" height="650" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/cacdb93c-b2cc-49f3-9c17-fd6b46f18912/chart/pe-multiple-vs-industry"/></p>
<p>截至 2025 年 12 月的 NasdaqGS:OSBC 市盈率</p>
<h2>自建 Old Second Bancorp 叙述</h2>
<p>如果你对数字有不同的看法，或者更愿意自己深入细节，你可以在几分钟内构建一个完整的叙述：按你的方式进行。</p>
<p>进行 Old Second Bancorp 研究的一个很好的起点是我们的分析，突出 2 个关键奖励和 2 个可能影响你投资决策的重要警示信号。</p>
<h2>寻找更多投资想法？</h2>
<p>准备好进行下一步明智的投资吗？使用 Simply Wall Street 筛选器发现专注的机会，以便在市场注意到之前提升你的竞争优势。</p>
<ul>
<li>通过审查这 13 只收益率超过 3% 的股息股票，目标是可靠的收入来源，旨在平衡稳定性与有意义的现金回报。</li>
<li>通过扫描这 26 只推动自动化、数据和智能软件边界的 AI 便士股票，利用创新的机会。</li>
<li>通过这些 80 只加密货币和区块链股票，提前布局，受益于数字资产和区块链采用的增长。</li>
</ul>
<p><em>这篇文章由 Simply Wall St 撰写，性质一般。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
<p>移动基础设施用于国防和灾难</p>
<p>下一波机器人技术不是人形的。它是完全自主的塔，在 30 分钟内提供 5G、ISR 和雷达，覆盖任何地方。</p>
<p>在下一轮合同之前获取投资者简报</p>
<p>由 CiTech 赞助</p>

Old Second银行

<p>Raymond James 重申了对 Old Second Bancorp (OSBC) 的强烈买入评级，尽管该银行的每股收益未达预期，但其收入超出了预期。该股票在过去 30 天内表现出强劲的动能，回报率为 11.23%，5 年回报率为 122.81%。最近收购的 Evergreen Bank 表现良好，为盈利和增长做出了贡献。然而，OSBC 当前的市盈率高于同行，暗示出错的空间有限。公允价值估计为 21.75 美元，显示出 5.7% 的低估</p>

<p>Old Second Bancorp (OSBC) is back in focus after Raymond James reiterated its Strong Buy rating following the bank’s appearance at the Small Cap Bank Summit and a quarter where revenue topped expectations despite an earnings per share miss.</p>
<div class="lb-trans"><p>Old Second Bancorp (OSBC) 再次成为焦点，因为雷蒙德·詹姆斯在该银行参加小型银行峰会后重申了其强烈买入评级，并且在一个季度中，尽管每股收益未达预期，但收入超出了预期。</p>
</div><p>See our latest analysis for Old Second Bancorp.</p>
<div class="lb-trans"><p>查看我们对 Old Second Bancorp 的最新分析。</p>
</div><p>The renewed Strong Buy call comes as Old Second’s share price has quietly built momentum, with a robust 30 day share price return of 11.23 percent feeding into a 5 year total shareholder return of 122.81 percent. This suggests investors see improving growth prospects despite the recent earnings per share miss.</p>
<div class="lb-trans"><p>重申的强烈买入评级正值 Old Second 的股价悄然积累动能，30 天的股价回报率达到 11.23%，推动了 5 年总股东回报率达到 122.81%。这表明投资者看到尽管最近每股收益未达预期，但增长前景正在改善。</p>
</div><p>If this kind of steady bank story has you thinking about what else might be overlooked, now is a good time to explore fast growing stocks with high insider ownership for other compelling ideas.</p>
<div class="lb-trans"><p>如果这种稳定的银行故事让你想到其他可能被忽视的机会，现在是探索高内部持股的快速增长股票以寻找其他吸引人想法的好时机。</p>
</div><p>With shares near record highs yet still trading at a steep discount to some intrinsic value estimates, is Old Second Bancorp a quietly undervalued compounder, or has the recent rally already priced in the next leg of growth?</p>
<div class="lb-trans"><p>在股价接近历史高点但仍以较大折扣交易于某些内在价值估算时，Old Second Bancorp 是一个被低估的复合增长股，还是最近的反弹已经将下一个增长阶段的预期价格纳入了？</p>
</div><h2>Most Popular Narrative: 5.7% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：低估 5.7%</h2>
</div><p>With Old Second Bancorp last closing at $20.51 versus a narrative fair value of $21.75, the gap is modest but still points to upside.</p>
<div class="lb-trans"><p>Old Second Bancorp 最近收盘价为 20.51 美元，而叙述的公允价值为 21.75 美元，差距虽小但仍指向上行空间。</p>
</div><p><em>The recent Evergreen Bank acquisition is performing ahead of expectations, providing higher than expected profitability and a more favorable asset mix, which is expected to drive incremental revenue growth, strengthen net interest margin, and enhance ROA as integration is completed.</em></p>
<div class="lb-trans"><p><em>最近的 Evergreen Bank 收购表现超出预期，提供了高于预期的盈利能力和更有利的资产组合，预计将推动增量收入增长，增强净利差，并在整合完成后提升资产回报率。</em></p>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Want to see how one deal and a revamped margin profile could justify a richer future earnings multiple than many peers? The narrative outlines the potential growth runway, the shift in profitability, and the valuation bridge that ties these elements together. Curious which assumptions would need to hold for that upside to materialize? Read on to see the framework behind this fair value assessment.</p>
<div class="lb-trans"><p>想看看一笔交易和重新调整的利润率如何为未来的收益倍数提供更高的合理性吗？叙述概述了潜在的增长跑道、盈利能力的变化以及将这些要素联系在一起的估值桥梁。想知道哪些假设需要成立才能实现这种上行空间吗？继续阅读以了解这一公允价值评估背后的框架。</p>
</div><p><strong>Result: Fair Value of $21.75 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 21.75 美元（被低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, this upside depends on Illinois staying resilient and Old Second keeping pace digitally, as any local downturn or tech lag could swiftly challenge the thesis.</p>
<div class="lb-trans"><p>然而，这种上行空间依赖于伊利诺伊州的韧性以及 Old Second 在数字化方面的跟进，因为任何地方性的经济下滑或技术滞后都可能迅速挑战这一论点。</p>
</div><p>Find out about the key risks to this Old Second Bancorp narrative.</p>
<div class="lb-trans"><p>了解 Old Second Bancorp 叙述的关键风险。</p>
</div><h2>Another View: Multiples Tell a Tougher Story</h2>
<div class="lb-trans"><h2>另一种观点：倍数讲述了更艰难的故事</h2>
</div><p>Look past the modest 5.7 percent discount to fair value and the picture gets trickier. On a price to earnings basis, Old Second trades at 15.3 times earnings, materially richer than both peers at 11.4 times and the 14.5 times fair ratio the market could move toward.</p>
<div class="lb-trans"><p>忽视与公允价值的 5.7% 小幅折扣，情况变得更加复杂。在市盈率方面，Old Second 的市盈率为 15.3 倍，明显高于同行的 11.4 倍和市场可能转向的 14.5 倍的公允比率。</p>
</div><p>That premium means even solid execution might only justify today’s price, while any stumble could see the valuation compress quickly, leaving less room for error than the narrative suggests. Is this a quality premium worth paying, or a margin of safety that has already disappeared?</p>
<div class="lb-trans"><p>这种溢价意味着即使是稳健的执行也可能仅能证明今天的价格，而任何失误都可能迅速压缩估值，留下的错误空间比叙述所暗示的要小。这是值得支付的质量溢价，还是已经消失的安全边际？</p>
</div><p>See what the numbers say about this price — find out in our valuation breakdown.</p>
<div class="lb-trans"><p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/cacdb93c-b2cc-49f3-9c17-fd6b46f18912/chart/pe-multiple-vs-industry" alt="" original-src="https://images.simplywall.st/company/cacdb93c-b2cc-49f3-9c17-fd6b46f18912/chart/pe-multiple-vs-industry"/></p>
<p>NasdaqGS:OSBC PE Ratio as at Dec 2025</p>
<div class="lb-trans"><p>截至 2025 年 12 月的 NasdaqGS:OSBC 市盈率</p>
</div><h2>Build Your Own Old Second Bancorp Narrative</h2>
<div class="lb-trans"><h2>自建 Old Second Bancorp 叙述</h2>
</div><p>If you see the numbers differently or would rather dig into the details yourself, you can build a complete narrative in just a few minutes: Do it your way.</p>
<div class="lb-trans"><p>如果你对数字有不同的看法，或者更愿意自己深入细节，你可以在几分钟内构建一个完整的叙述：按你的方式进行。</p>
</div><p>A great starting point for your Old Second Bancorp research is our analysis highlighting 2 key rewards and 2 important warning signs that could impact your investment decision.</p>
<div class="lb-trans"><p>进行 Old Second Bancorp 研究的一个很好的起点是我们的分析，突出 2 个关键奖励和 2 个可能影响你投资决策的重要警示信号。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>Ready for your next smart move? Use the Simply Wall Street Screener to uncover focused opportunities that could sharpen your edge before the market catches on.</p>
<div class="lb-trans"><p>准备好进行下一步明智的投资吗？使用 Simply Wall Street 筛选器发现专注的机会，以便在市场注意到之前提升你的竞争优势。</p>
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<div class="lb-trans"><ul>
<li>通过审查这 13 只收益率超过 3% 的股息股票，目标是可靠的收入来源，旨在平衡稳定性与有意义的现金回报。</li>
<li>通过扫描这 26 只推动自动化、数据和智能软件边界的 AI 便士股票，利用创新的机会。</li>
<li>通过这些 80 只加密货币和区块链股票，提前布局，受益于数字资产和区块链采用的增长。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>这篇文章由 Simply Wall St 撰写，性质一般。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
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<div class="lb-trans"><p>移动基础设施用于国防和灾难</p>
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<div class="lb-trans"><p>下一波机器人技术不是人形的。它是完全自主的塔，在 30 分钟内提供 5G、ISR 和雷达，覆盖任何地方。</p>
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<div class="lb-trans"><p>在下一轮合同之前获取投资者简报</p>
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<div class="lb-trans"><p>由 CiTech 赞助</p>
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Old Second Bancorp (OSBC)：在收入超预期而每股收益未达预期后，重申强力买入评级，引发对估值的新关注