Stocky turns companies like Old Second Bancorp, Inc. into a fun, safe way to learn investing — a virtual portfolio, live scores & charts, and real analyst data, with no real money.
Try Stocky free →Stocky rates Old Second Bancorp, Inc. at 39/100 based on business quality, leadership alignment, valuation.
Not graded: for banks, insurers and brokers, borrowing and taking deposits is the business itself, so the usual debt checks don't apply.
Every stock is scored across six dimensions built to answer one question — can this business keep compounding? — without a Bloomberg subscription. Here's the actual snapshot for Old Second Bancorp, Inc.:
Quality + moat + leadership + valuation fused into a single 0–100 number. When you see 39/100, you know instantly whether to dig deeper or skip.
Pricing power, switching costs, network effects, and 10-year ROIC data. Same framework Morningstar charges for — free inside Stocky.
Founder tenure, insider ownership, CEO pay reasonableness, long-term value creation. Six factors, one score — turns "trust the CEO" into evidence.
Customer concentration, supply chain, refinancing walls, regulatory exposure. Stocky maps knowable fragilities so you're never blindsided.
We don't claim a backtest. The top-scoring basket is recorded every month and measured against the S&P 500 from that date onward — judged on what it said before the outcome was known. The record is young, and published as it stands.
Analyst target shifts, insider buys, big moves — plus a monthly Portfolio Health Report telling you what's actually driving your returns.
Stocky rates Old Second Bancorp, Inc. (OSBC) at 39/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation into a single number.
OSBC's current Stocky Verdict is 39/100, placing it in the "Avoid" band. This composite combines a 55/100 Compounder score, 40/100 Leadership, 48/100 Moat rating.
Old Second Bancorp, Inc. rates Limited moat (48/100 Moat Score) — based on 10-year return-on-invested-capital, pricing power, switching costs and network effects. Wide moats compound; Limited moats erode.
Old Second Bancorp, Inc. scores 40/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
Old Second Bancorp, Inc.'s Resilience Profile scores 25/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to Old Second Bancorp, Inc..
Sign up free and unlock the full analysis on OSBC — the same tools professional analysts use, personalised to your portfolio:
Free forever tier includes 5 Verdict lookups a day. Plus €19/mo unlocks everything above. Cancel any time.
This page is just a preview. Open the live, interactive version for the full picture:
Or jump straight to the interactive dashboard for OSBC in the app.
