Roiver Score™ for
OSBCOld Second Bancorp Inc
Based on the annual report for the fiscal year ended December 31, 2025.
Old Second Bancorp Inc (OSBC) scores 38/100 (Mixed) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. Its strongest area is capital strength; its weakest is stability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about OSBC
What is OSBC's Roiver Score?
Old Second Bancorp Inc scores 38 out of 100 (Mixed). Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for OSBC calculated?
It combines profitability, capital strength, efficiency, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Old Second Bancorp Inc is scored with the bank model: This score uses measures suited to banks in place of the standard five, because ratios like debt-to-equity mean something different for them. The full methodology is published.
Is OSBC a good quality stock?
On quality, OSBC rates "Mixed" (38/100). Its strongest driver is capital strength and its weakest is stability. Quality is one input to a decision, not a buy/sell call.
Embed on your site
Drop this iframe into a Substack, blog post, or notion page. Updates automatically as fundamentals change.
<iframe src="https://roiver.com/embed/score/OSBC" width="640" height="280" frameborder="0" style="border:0;border-radius:16px;overflow:hidden" loading="lazy"></iframe>
Get OSBC's Score in your inbox
A free weekly digest of quality scores and what changed. No account needed.
Educational use only. Roiver Score is a quality signal, not a recommendation.