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Old Second Bancorp (OSBC) Financials

Old Second Bancorp logo
$22.12 +0.18 (+0.82%)
Closing price 04:00 PM Eastern
Extended Trading
$22.12 0.00 (0.00%)
As of 04:56 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Old Second Bancorp

Annual Income Statements for Old Second Bancorp

This table shows Old Second Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 14 16 15 34 39 28 20 67 92 85 80
Consolidated Net Income / (Loss)		 15 16 15 34 39 28 20 67 92 85 80
Net Income / (Loss) Continuing Operations		 15 16 15 34 39 28 20 67 92 85 80
Total Pre-Tax Income 		24 25 34 44 52 37 28 92 124 113 108
Total Revenue		 88 92 105 122 133 129 136 249 286 285 339
Net Interest Income / (Expense)		 59 63 75 91 97 92 97 206 252 242 293
Total Interest Income		 68 73 88 108 116 104 105 216 292 298 355
Loans and Leases Interest Income		 53 56 71 89 98 91 91 177 244 253 306
Investment Securities Interest Income		 15 17 17 18 17 13 14 38 45 42 45
Deposits and Money Market Investments Interest Income		 0.06 0.17 0.13 0.33 0.46 0.26 0.66 2.18 2.50 2.39 4.63
Total Interest Expense		 9.08 9.94 13 17 19 12 8.45 10 40 56 62
Deposits Interest Expense		 3.94 4.43 - 7.99 9.70 6.60 2.47 3.35 15 38 56
Short-Term Borrowings Interest Expense		 0.03 0.11 - 1.43 1.76 0.18 0.00 0.48 19 15 1.97
Long-Term Debt Interest Expense		 5.11 5.40 13 6.80 6.81 5.48 5.90 6.45 5.78 3.31 3.65
Federal Funds Purchased and Securities Sold Interest Expense		 - - - 0.46 0.58 0.20 0.08 0.04 0.09 0.34 0.23
Total Non-Interest Income		 29 29 30 31 36 37 39 43 34 44 46
Other Service Charges		 19 24 24 26 27 25 27 38 36 38 42
Net Realized & Unrealized Capital Gains on Investments		 5.60 4.13 5.28 4.15 9.62 15 9.53 1.08 -2.67 1.81 2.30
Other Non-Interest Income		 -0.87 0.36 0.64 1.28 -0.38 -2.71 2.65 3.90 0.70 3.80 1.71
Provision for Credit Losses		 -4.40 0.75 1.80 1.23 1.60 10 4.33 6.55 17 13 28
Total Non-Interest Expense		 68 67 69 77 79 81 104 151 145 160 204
Salaries and Employee Benefits		 35 36 40 44 47 50 58 87 89 98 125
Net Occupancy & Equipment Expense		 11 10 10 14 14 14 21 31 22 26 33
Marketing Expense		 1.34 1.63 1.51 1.57 1.23 0.30 0.34 0.59 0.72 1.24 1.33
Property & Liability Insurance Claims		 2.51 1.67 1.31 1.49 0.85 1.36 2.07 0.87 0.93 1.33 1.72
Other Operating Expenses		 19 17 16 16 15 16 22 30 31 31 39
Amortization Expense		 - 0.02 0.10 0.39 0.54 0.49 0.64 2.63 2.46 2.44 4.55
Income Tax Expense		 8.98 8.82 19 9.92 12 9.58 7.82 24 33 28 27
Basic Earnings per Share		 $0.46 $0.53 $0.51 $1.14 $1.32 $0.94 $0.66 $1.51 $2.05 $1.90 $1.64
Weighted Average Basic Shares Outstanding		 29.48M 29.53M 29.60M 29.89M 30.02M 29.13M 44.46M 44.67M 44.80M 45.05M 52.69M
Diluted Earnings per Share		 $0.46 $0.53 $0.50 $1.12 $1.30 $0.92 $0.65 $1.49 $2.02 $1.87 $1.62
Weighted Average Diluted Shares Outstanding		 29.48M 29.53M 29.60M 29.89M 30.02M 29.13M 44.46M 44.67M 44.80M 45.05M 52.69M
Weighted Average Basic & Diluted Shares Outstanding		 29.48M 29.53M 29.60M 29.89M 30.02M 29.13M 44.46M 44.67M 44.80M 45.05M 52.69M
Cash Dividends to Common per Share		 - $0.03 $0.04 $0.04 $0.04 $0.04 $0.16 $0.20 $0.20 $0.21 $0.25

Quarterly Income Statements for Old Second Bancorp

This table shows Old Second Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 24 18 21 22 23 19 20 22 9.87 29 26
Consolidated Net Income / (Loss)		 24 18 21 22 23 19 20 22 9.87 29 26
Net Income / (Loss) Continuing Operations		 24 18 21 22 23 19 20 22 9.87 29 26
Total Pre-Tax Income 		32 25 29 29 30 25 26 29 13 39 34
Total Revenue		 73 70 70 71 71 73 73 75 96 95 94
Net Interest Income / (Expense)		 63 61 60 60 61 62 63 64 83 83 81
Total Interest Income		 74 74 73 73 76 75 74 75 104 102 98
Loans and Leases Interest Income		 63 63 63 62 65 64 62 62 91 91 87
Investment Securities Interest Income		 11 10 10 10 11 11 11 11 11 11 11
Deposits and Money Market Investments Interest Income		 0.66 0.62 0.61 0.63 0.62 0.54 0.99 1.78 1.26 0.60 0.55
Total Interest Expense		 11 12 14 14 15 14 11 11 21 19 17
Deposits Interest Expense		 4.54 6.15 8.08 9.28 10 10 9.74 10 20 17 14
Short-Term Borrowings Interest Expense		 5.84 5.43 4.56 3.34 4.19 2.53 0.02 0.00 0.31 1.64 1.79
Long-Term Debt Interest Expense		 0.79 0.84 0.83 0.83 0.82 0.84 0.83 0.83 0.99 0.99 1.00
Federal Funds Purchased and Securities Sold Interest Expense		 0.03 0.05 0.09 0.08 0.09 0.08 0.07 0.06 0.06 0.05 0.05
Total Non-Interest Income		 9.88 8.73 11 11 11 12 10 11 13 12 13
Other Service Charges		 9.19 9.10 8.92 9.18 10 9.94 9.81 10 11 11 11
Net Realized & Unrealized Capital Gains on Investments		 -0.52 0.36 0.32 0.47 0.51 0.52 0.46 0.55 0.62 0.67 0.56
Other Non-Interest Income		 1.20 -0.74 1.27 1.48 -0.09 1.15 -0.07 0.16 1.22 0.41 0.93
Provision for Credit Losses		 3.00 8.00 3.50 3.75 2.00 3.50 2.40 2.50 20 3.00 9.50
Total Non-Interest Expense		 37 37 38 38 39 44 45 43 63 53 50
Salaries and Employee Benefits		 23 21 24 23 25 26 27 27 40 31 30
Net Occupancy & Equipment Expense		 5.43 6.11 6.18 6.08 6.25 7.12 6.90 7.17 8.94 9.89 8.75
Marketing Expense		 0.09 0.38 0.19 0.47 0.30 0.28 0.23 0.32 0.55 0.30 0.55
Other Operating Expenses		 8.07 8.30 6.75 7.09 7.31 9.94 9.35 7.57 12 10 10
Amortization Expense		 0.62 0.60 0.58 0.57 0.57 0.72 1.04 1.02 1.25 1.24 1.18
Income Tax Expense		 8.15 6.71 7.23 7.30 6.90 6.26 6.37 7.39 3.20 10 8.48
Basic Earnings per Share		 $0.55 $0.40 $0.48 $0.48 $0.52 $0.42 $0.44 $0.49 $0.19 $0.52 $0.49
Weighted Average Basic Shares Outstanding		 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M 45.06M 52.65M 52.67M 52.69M 51.43M
Diluted Earnings per Share		 $0.54 $0.40 $0.47 $0.48 $0.50 $0.42 $0.43 $0.48 $0.18 $0.53 $0.48
Weighted Average Diluted Shares Outstanding		 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M 45.06M 52.65M 52.67M 52.69M 51.43M
Weighted Average Basic & Diluted Shares Outstanding		 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M 45.06M 52.65M 52.67M 52.69M 51.43M
Cash Dividends to Common per Share		 $0.05 $0.05 $0.05 $0.05 $0.05 $0.06 $0.06 $0.06 $0.06 $0.07 $0.07

Annual Cash Flow Statements for Old Second Bancorp

This table details how cash moves in and out of Old Second Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -3.86 7.00 8.50 -0.60 -4.60 279 422 -637 -15 -0.82 25
Net Cash From Operating Activities		 21 27 37 55 53 26 31 97 116 132 122
Net Cash From Continuing Operating Activities		 21 27 37 55 53 26 31 97 116 132 122
Net Income / (Loss) Continuing Operations		 15 16 15 34 39 28 20 67 92 85 80
Consolidated Net Income / (Loss)		 15 16 15 34 39 28 20 67 92 85 80
Provision For Loan Losses		 8.43 11 17 12 2.12 11 4.41 6.65 17 14 28
Depreciation Expense		 2.39 2.29 2.31 2.42 2.46 2.80 3.15 4.09 4.49 5.59 6.15
Amortization Expense		 0.13 -1.17 0.80 1.88 2.49 1.91 2.40 1.50 2.71 4.67 3.40
Non-Cash Adjustments to Reconcile Net Income		 1.59 -1.46 -0.77 0.66 4.05 -7.33 15 0.35 5.71 -2.10 1.32
Changes in Operating Assets and Liabilities, net		 -6.78 1.17 2.48 4.29 2.06 -9.99 -13 17 -5.00 24 2.86
Net Cash From Investing Activities		 -32 -123 -132 -26 42 -104 133 -433 162 323 160
Net Cash From Continuing Investing Activities		 -32 -123 -132 -26 42 -104 133 -433 162 323 160
Purchase of Property, Leasehold Improvements and Equipment		 -1.28 -1.99 -1.06 -1.90 -4.38 -3.92 -2.03 -4.33 -12 -11 -4.51
Purchase of Investment Securities		 -196 -518 -487 -172 -197 -170 -616 -754 -224 20 -269
Sale and/or Maturity of Investments		 165 397 356 147 243 69 751 325 398 313 432
Other Investing Activities, net		 - - - 1.20 1.20 0.48 - 0.00 0.00 1.24 0.43
Net Cash From Financing Activities		 7.20 103 104 -30 -99 357 258 -301 -293 -455 -257
Net Cash From Continuing Financing Activities		 7.20 103 104 -30 -99 357 258 -301 -293 -455 -257
Net Change in Deposits		 74 59 56 -55 10 410 235 -354 -539 -70 -404
Issuance of Debt		 - 99 45 24 -101 -29 59 90 315 -385 180
Repayment of Debt		 -30 -46 -0.04 -8.07 -8.80 -36 -4.32 -10 -54 0.00 0.00
Repurchase of Common Equity		 -0.12 -0.25 -0.24 -0.51 -0.67 -5.92 -10 -0.46 -0.61 -1.05 -7.41
Payment of Dividends		 -2.42 -0.89 -1.18 -1.19 -1.20 -1.19 -4.61 -8.88 -8.95 -9.41 -12
Other Financing Activities, Net		 13 -8.34 4.20 11 2.09 18 -17 -18 -5.69 10 -13
Cash Income Taxes Paid		 0.12 0.21 0.43 0.02 4.43 7.92 11 11 36 23 21

Quarterly Cash Flow Statements for Old Second Bancorp

This table details how cash moves in and out of Old Second Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -3.58 -8.89 -2.05 23 -5.13 -16 157 -114 -25 7.50 -8.30
Net Cash From Operating Activities		 82 29 47 12 48 24 18 24 36 44 37
Net Cash From Continuing Operating Activities		 82 29 47 12 48 24 18 24 36 44 37
Net Income / (Loss) Continuing Operations		 24 18 21 22 23 19 20 22 9.87 29 26
Consolidated Net Income / (Loss)		 24 18 21 22 23 19 20 22 9.87 29 26
Provision For Loan Losses		 2.71 8.29 3.50 3.75 2.00 5.24 2.85 8.88 13 3.00 9.50
Depreciation Expense		 1.11 1.24 1.35 1.37 1.45 1.42 1.41 1.44 1.62 1.68 1.70
Amortization Expense		 0.97 0.97 1.24 1.20 1.03 1.20 1.32 0.71 0.47 0.46 1.45
Non-Cash Adjustments to Reconcile Net Income		 -3.13 4.37 -0.53 0.80 -0.53 -1.82 1.89 -1.15 -4.62 6.08 0.31
Changes in Operating Assets and Liabilities, net		 56 -4.01 21 -17 22 -1.16 -9.46 -7.46 15 4.23 -1.60
Net Cash From Investing Activities		 75 37 94 -23 -7.42 259 77 -90 92 81 30
Net Cash From Continuing Investing Activities		 75 37 94 -23 -7.42 259 77 -90 92 81 30
Purchase of Property, Leasehold Improvements and Equipment		 -5.17 -4.16 -3.33 -2.96 -2.35 -2.15 -1.61 -0.79 -1.23 -0.88 -0.77
Purchase of Investment Securities		 -4.09 -56 59 -157 -36 159 -46 -144 -86 7.88 -107
Sale and/or Maturity of Investments		 85 97 38 136 31 103 124 55 179 74 137
Net Cash From Financing Activities		 -161 -75 -143 34 -46 -300 62 -48 -153 -118 -75
Net Cash From Continuing Financing Activities		 -161 -75 -143 34 -46 -300 62 -48 -153 -118 -75
Net Change in Deposits		 -103 -43 38 -87 -56 35 84 -54 -270 -164 -31
Repayment of Debt		 - - - - - - - - - - -15
Repurchase of Common Equity		 - - -0.78 -0.02 - -0.26 -1.43 -0.06 -5.88 -0.04 -24
Payment of Dividends		 -2.24 -2.23 -2.24 -2.24 -2.25 -2.69 -2.69 -2.70 -3.16 -3.69 -3.69
Other Financing Activities, Net		 -5.64 0.58 7.08 13 7.32 -17 2.01 8.59 -23 -0.52 -0.64

Annual Balance Sheets for Old Second Bancorp

This table presents Old Second Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,077 1,522 1,609 2,676 2,636 3,041 6,212 5,888 5,723 5,649 6,903
Cash and Due from Banks		 27 47 - 39 34 24 39 57 56 52 52
Interest Bearing Deposits at Other Banks		 13 - - 17 17 306 714 59 45 47 72
Trading Account Securities		 704 - - 541 485 496 1,694 1,539 1,193 1,162 1,091
Loans and Leases, Net of Allowance		 1,117 1,463 1,600 1,878 1,911 2,001 3,377 3,820 3,999 3,938 5,180
Loans and Leases		 1,134 1,479 1,618 1,897 1,931 2,035 3,421 3,870 4,043 3,981 5,252
Allowance for Loan and Lease Losses		 16 16 17 19 20 34 44 49 44 44 72
Loans Held for Sale		 2.85 - - 2.98 3.06 13 3,381 0.49 1.32 1.56 3.65
Premises and Equipment, Net		 40 - - 42 44 45 88 72 79 87 87
Goodwill		 - - - - - 19 86 86 86 93 129
Intangible Assets		 - - - 22 21 2.18 16 14 11 22 24
Other Assets		 173 12 8.37 134 121 135 195 241 253 246 265
Total Liabilities & Shareholders' Equity		 2,077 0.00 0.00 2,676 2,636 3,041 6,212 5,888 5,723 5,649 6,903
Total Liabilities		 1,921 0.00 0.00 2,447 2,358 2,734 5,710 5,427 5,146 4,978 6,006
Non-Interest Bearing Deposits		 443 - - 619 670 910 2,088 2,052 1,835 1,705 1,739
Interest Bearing Deposits		 1,316 - - 1,498 1,457 1,628 3,379 3,059 2,736 3,064 3,857
Short-Term Debt		 49 - - 196 97 67 50 122 431 57 239
Long-Term Debt		 103 - - 117 109 94 149 139 85 85 100
Other Long-Term Liabilities		 9.90 - - 17 25 36 45 56 58 68 71
Total Equity & Noncontrolling Interests		 156 0.00 0.00 229 278 307 502 461 577 671 897
Total Preferred & Common Equity		 156 0.00 0.00 229 278 307 502 461 577 671 897
Total Common Equity		 156 0.00 0.00 229 278 307 502 461 577 671 897
Common Stock		 150 - - 154 156 157 247 247 247 250 394
Retained Earnings		 114 - - 175 214 237 252 311 393 469 537
Treasury Stock		 -96 - - -96 -96 -101 -5.90 -3.23 -0.18 -0.58 -6.19
Accumulated Other Comprehensive Income / (Loss)		 -13 - - -4.08 4.56 15 8.77 -93 -63 -48 -29

Quarterly Balance Sheets for Old Second Bancorp

This table presents Old Second Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,968 5,920 5,884 5,758 5,616 5,663 5,672 5,728 5,701 6,992 6,849
Cash and Due from Banks		 65 51 59 56 49 55 63 53 63 53 48
Interest Bearing Deposits at Other Banks		 51 52 53 53 49 66 52 203 78 63 68
Trading Account Securities		 1,610 1,455 1,336 1,230 1,169 1,174 1,191 1,147 1,178 1,157 1,115
Loans and Leases, Net of Allowance		 3,820 3,950 3,960 3,978 3,925 3,934 3,947 3,899 3,956 5,190 5,113
Loans and Leases		 3,869 4,003 4,016 4,030 3,969 3,977 3,991 3,940 3,999 5,265 5,185
Allowance for Loan and Lease Losses		 49 53 55 52 44 42 44 42 43 75 72
Loans Held for Sale		 1.30 3,951 1.22 2.30 1.07 2.29 2.45 4.20 3.24 1.46 4.34
Premises and Equipment, Net		 77 73 73 76 81 83 83 87 86 88 86
Goodwill		 86 86 86 86 86 86 86 93 93 130 129
Intangible Assets		 14 13 12 12 11 10 9.49 21 20 25 23
Other Assets		 242 239 303 265 244 252 237 220 224 283 263
Total Liabilities & Shareholders' Equity		 5,968 5,920 5,884 5,758 5,616 5,663 5,672 5,728 5,701 6,992 6,849
Total Liabilities		 5,534 5,423 5,370 5,226 5,020 5,043 5,010 5,033 4,983 6,125 5,956
Non-Interest Bearing Deposits		 2,098 1,950 1,898 1,863 1,800 1,728 1,669 1,714 1,704 1,738 1,756
Interest Bearing Deposits		 3,183 2,947 2,820 2,752 2,808 2,793 2,796 3,139 3,094 4,022 3,809
Short-Term Debt		 60 343 517 461 254 377 389 39 47 189 223
Long-Term Debt		 140 130 85 85 85 85 85 85 85 100 100
Other Long-Term Liabilities		 53 54 51 65 73 60 71 56 52 75 68
Total Equity & Noncontrolling Interests		 434 497 514 533 596 619 661 694 719 867 893
Total Preferred & Common Equity		 434 497 514 533 596 619 661 694 719 867 893
Total Common Equity		 434 497 514 533 596 619 661 694 719 867 893
Common Stock		 246 245 246 246 248 249 250 250 251 393 391
Retained Earnings		 289 332 355 377 412 432 453 486 505 512 559
Treasury Stock		 -3.43 -0.75 -0.75 -0.40 -0.91 -0.85 -0.83 -0.81 -0.65 -6.28 -26
Accumulated Other Comprehensive Income / (Loss)		 -98 -79 -86 -91 -63 -61 -40 -41 -37 -32 -31

Annual Metrics And Ratios for Old Second Bancorp

This table displays calculated financial ratios and metrics derived from Old Second Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.46 $0.53 $0.51 $1.14 $1.32 $0.94 $0.66 $1.51 $2.05 $1.90 $1.64
Adjusted Weighted Average Basic Shares Outstanding		 29.48M 29.56M 29.69M 29.89M 30.02M 29.13M 44.46M 44.67M 44.80M 45.05M 52.69M
Adjusted Diluted Earnings per Share		 $0.46 $0.53 $0.50 $1.12 $1.30 $0.92 $0.65 $1.49 $2.02 $1.87 $1.62
Adjusted Weighted Average Diluted Shares Outstanding		 29.48M 29.56M 29.69M 29.89M 30.02M 29.13M 44.46M 44.67M 44.80M 45.05M 52.69M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 29.48M 29.56M 29.69M 29.89M 30.02M 29.13M 44.46M 44.67M 44.80M 45.05M 52.69M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Old Second Bancorp

This table displays calculated financial ratios and metrics derived from Old Second Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 52,690,806.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 52,690,806.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.49
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.71% -4.21% -1.61% -1.37% -2.40% 4.62% 4.01% 6.09% 34.75% - 28.27%
EBITDA Growth		 18.49% -3.48% -6.50% -13.22% -6.46% 3.12% -5.70% -1.25% -53.11% - 28.66%
EBIT Growth		 22.23% -21.71% -10.84% -16.54% -8.11% 1.74% -8.21% 0.08% -56.22% - 30.02%
NOPAT Growth		 24.65% -22.82% -9.72% -14.36% -5.69% 4.86% -6.95% -0.32% -56.99% - 29.02%
Net Income Growth		 24.65% -22.82% -9.72% -14.36% -5.69% 4.86% -6.95% -0.32% -56.99% - 29.02%
EPS Growth		 25.58% -23.08% -9.62% -14.29% -7.41% 5.00% -8.51% 0.00% -64.00% - 11.63%
Operating Cash Flow Growth		 148.05% -22.00% 35.10% 139.90% -40.68% -17.48% -62.36% 108.13% -25.89% - 107.08%
Free Cash Flow Firm Growth		 -318.22% -13,885.23% 118.73% 112.19% 91.93% 184.83% 143.82% 346.18% 68.34% - -373.39%
Invested Capital Growth		 70.17% 51.52% -3.57% -3.09% 5.27% -25.69% -12.46% -21.26% 1.82% - 48.65%
Revenue Q/Q Growth		 1.54% -4.04% 0.46% 0.76% 0.48% 2.86% -0.12% 2.77% 27.62% - -1.50%
EBITDA Q/Q Growth		 -5.55% -21.47% 18.10% 1.99% 1.81% -13.42% 4.90% 6.80% -51.66% - -10.14%
EBIT Q/Q Growth		 -7.12% -23.23% 14.46% 2.27% 2.26% -15.00% 3.26% 11.50% -55.27% - -13.26%
NOPAT Q/Q Growth		 -4.80% -25.11% 16.94% 2.72% 4.84% -16.74% 3.77% 10.05% -54.77% - -11.12%
Net Income Q/Q Growth		 -4.80% -25.11% 16.94% 2.72% 4.84% -16.74% 3.77% 10.05% -54.77% - -11.12%
EPS Q/Q Growth		 -3.57% -25.93% 17.50% 2.13% 4.17% -16.00% 2.38% 11.63% -62.50% - -9.43%
Operating Cash Flow Q/Q Growth		 377.70% -64.43% 62.62% -75.16% 312.83% -50.52% -25.66% 35.92% 48.24% - -16.50%
Free Cash Flow Firm Q/Q Growth		 9.19% 15.87% 115.80% 0.92% -160.16% 984.22% -54.58% 84.68% -104.27% - 5.42%
Invested Capital Q/Q Growth		 -3.32% 1.42% -14.54% 15.64% 5.03% -28.41% 0.67% 4.00% 35.82% - -1.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.41% 38.80% 44.30% 44.84% 45.43% 38.24% 40.17% 41.74% 15.81% - 39.68%
EBIT Margin		 44.56% 35.64% 40.61% 41.22% 41.95% 34.66% 35.84% 38.88% 13.63% - 36.33%
Profit (Net Income) Margin		 33.38% 26.05% 30.32% 30.91% 32.25% 26.11% 27.13% 29.04% 10.29% - 27.28%
Tax Burden Percent		 74.91% 73.08% 74.67% 74.99% 76.89% 75.32% 75.69% 74.70% 75.54% - 75.11%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 25.09% 26.92% 25.33% 25.01% 23.11% 24.68% 24.31% 25.30% 24.46% - 24.89%
Return on Invested Capital (ROIC)		 11.27% 8.21% 9.07% 7.99% 8.22% 7.82% 8.92% 8.80% 2.85% - 9.65%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.27% 8.21% 9.07% 7.99% 8.22% 7.82% 8.92% 8.80% 2.85% - 9.65%
Return on Net Nonoperating Assets (RNNOA)		 8.71% 6.15% 6.74% 7.50% 7.03% 4.12% 3.20% 3.91% 1.42% - 2.72%
Return on Equity (ROE)		 19.98% 14.35% 15.81% 15.49% 15.25% 11.94% 12.12% 12.70% 4.28% - 12.37%
Cash Return on Invested Capital (CROIC)		 -40.60% -30.86% 13.03% 10.95% 2.48% 38.41% 22.84% 32.46% 4.37% - -30.68%
Operating Return on Assets (OROA)		 2.20% 1.76% 2.01% 2.03% 2.07% 1.74% 1.82% 2.00% 0.68% - 2.08%
Return on Assets (ROA)		 1.65% 1.28% 1.50% 1.52% 1.59% 1.31% 1.38% 1.50% 0.52% - 1.56%
Return on Common Equity (ROCE)		 19.98% 14.35% 15.81% 15.49% 15.25% 11.94% 12.12% 12.70% 4.28% - 12.37%
Return on Equity Simple (ROE_SIMPLE)		 18.24% 0.00% 15.00% 13.85% 12.76% 0.00% 12.06% 11.65% 8.15% - 9.63%
Net Operating Profit after Tax (NOPAT)		 24 18 21 22 23 19 20 22 9.87 - 26
NOPAT Margin		 33.38% 26.05% 30.32% 30.91% 32.25% 26.11% 27.13% 29.04% 10.29% - 27.28%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 39.28% 39.87% 43.66% 42.33% 43.88% 45.10% 46.59% 45.84% 51.32% - 41.56%
Operating Expenses to Revenue		 51.33% 52.92% 54.41% 53.49% 55.24% 60.55% 60.88% 57.79% 65.87% - 53.54%
Earnings before Interest and Taxes (EBIT)		 32 25 29 29 30 25 26 29 13 - 34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 35 27 31 32 32 28 29 31 15 - 37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.12 1.18 1.03 1.07 1.05 1.18 1.08 1.11 1.05 - 1.19
Price to Tangible Book Value (P/TBV)		 1.38 1.42 1.23 1.27 1.23 1.43 1.29 1.32 1.27 - 1.43
Price to Revenue (P/Rev)		 2.07 2.37 2.16 2.33 2.47 2.78 2.59 2.72 2.86 - 2.94
Price to Earnings (P/E)		 6.16 7.40 6.89 7.72 8.26 9.32 8.91 9.52 12.83 - 12.30
Dividend Yield		 1.49% 1.32% 1.45% 1.35% 1.29% 1.18% 1.33% 1.30% 1.39% - 1.29%
Earnings Yield		 16.25% 13.51% 14.52% 12.95% 12.11% 10.73% 11.22% 10.51% 7.79% - 8.13%
Enterprise Value to Invested Capital (EV/IC)		 0.96 1.00 0.92 0.93 0.93 1.03 0.75 0.93 0.93 - 1.04
Enterprise Value to Revenue (EV/Rev)		 3.58 3.83 3.01 3.53 3.74 2.93 2.13 2.69 3.40 - 3.52
Enterprise Value to EBITDA (EV/EBITDA)		 7.80 8.32 6.53 7.93 8.49 6.80 5.06 6.50 10.39 - 10.08
Enterprise Value to EBIT (EV/EBIT)		 7.88 8.80 7.08 8.71 9.38 7.41 5.56 7.12 11.50 - 10.95
Enterprise Value to NOPAT (EV/NOPAT)		 10.65 11.94 9.58 11.70 12.50 9.82 7.33 9.41 15.28 - 14.71
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.30 9.41 6.66 5.90 7.72 6.37 6.03 6.87 10.58 - 8.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.91 8.34 38.38 2.29 3.07 2.51 21.58 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.03 0.89 0.57 0.75 0.72 0.21 0.18 0.18 0.33 - 0.36
Long-Term Debt to Equity		 0.16 0.15 0.14 0.14 0.13 0.13 0.12 0.12 0.12 - 0.11
Financial Leverage		 0.77 0.75 0.74 0.94 0.85 0.53 0.36 0.44 0.50 - 0.28
Leverage Ratio		 12.14 11.18 10.55 10.19 9.57 9.11 8.79 8.49 8.29 - 7.92
Compound Leverage Factor		 12.14 11.18 10.55 10.19 9.57 9.11 8.79 8.49 8.29 - 7.92
Debt to Total Capital		 50.62% 47.23% 36.23% 42.71% 41.75% 17.46% 15.14% 15.57% 25.03% - 26.58%
Short-Term Debt to Total Capital		 42.73% 39.44% 27.12% 34.83% 34.25% 6.97% 4.72% 5.55% 16.37% - 18.34%
Long-Term Debt to Total Capital		 7.89% 7.78% 9.11% 7.88% 7.51% 10.49% 10.42% 10.02% 8.66% - 8.23%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 49.38% 52.77% 63.77% 57.29% 58.25% 82.55% 84.86% 84.43% 74.97% - 73.43%
Debt to EBITDA		 4.12 3.93 2.58 3.65 3.82 1.15 1.02 1.09 2.79 - 2.57
Net Debt to EBITDA		 3.30 3.16 1.83 2.70 2.88 0.35 -1.09 -0.08 1.66 - 1.65
Long-Term Debt to EBITDA		 0.64 0.65 0.65 0.67 0.69 0.69 0.70 0.70 0.96 - 0.80
Debt to NOPAT		 5.62 5.63 3.79 5.38 5.62 1.66 1.48 1.58 4.10 - 3.76
Net Debt to NOPAT		 4.50 4.54 2.69 3.97 4.25 0.50 -1.58 -0.11 2.45 - 2.41
Long-Term Debt to NOPAT		 0.88 0.93 0.95 0.99 1.01 1.00 1.02 1.02 1.42 - 1.16
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -420 -354 56 56 -34 300 136 252 -11 - -373
Operating Cash Flow to CapEx		 1,581.41% 699.21% 1,420.12% 396.49% 2,068.19% 1,116.61% 1,108.64% 3,072.88% 2,931.57% - 4,803.51%
Free Cash Flow to Firm to Interest Expense		 -37.54 -28.39 4.13 4.17 -2.19 21.91 12.78 22.87 -0.50 - -21.66
Operating Cash Flow to Interest Expense		 7.30 2.33 3.49 0.87 3.13 1.75 1.67 2.20 1.69 - 2.15
Operating Cash Flow Less CapEx to Interest Expense		 6.84 2.00 3.25 0.65 2.98 1.60 1.52 2.13 1.63 - 2.10
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 - 0.06
Fixed Asset Turnover		 3.76 3.77 3.70 3.65 3.54 3.43 3.42 3.47 3.72 - 4.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,079 1,094 935 1,081 1,135 813 818 851 1,156 - 1,217
Invested Capital Turnover		 0.34 0.32 0.30 0.26 0.25 0.30 0.33 0.30 0.28 - 0.35
Increase / (Decrease) in Invested Capital		 445 372 -35 -35 57 -281 -116 -230 21 - 398
Enterprise Value (EV)		 1,035 1,095 857 1,003 1,055 838 615 787 1,079 - 1,266
Market Capitalization		 598 679 616 662 697 795 747 797 907 - 1,059
Book Value per Share		 $11.92 $12.92 $13.31 $13.81 $14.75 $14.96 $15.42 $15.95 $16.46 - $16.95
Tangible Book Value per Share		 $9.72 $10.73 $11.14 $11.66 $12.61 $12.39 $12.88 $13.44 $13.51 - $14.07
Total Capital		 1,079 1,094 935 1,081 1,135 813 818 851 1,156 - 1,217
Total Debt		 546 517 339 462 474 142 124 133 289 - 323
Total Long-Term Debt		 85 85 85 85 85 85 85 85 100 - 100
Net Debt		 437 416 241 341 358 43 -132 -9.23 173 - 208
Capital Expenditures (CapEx)		 5.17 4.16 3.33 2.96 2.35 2.15 1.61 0.79 1.23 - 0.77
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 546 517 339 462 474 142 124 133 289 - 323
Total Depreciation and Amortization (D&A)		 2.08 2.21 2.59 2.57 2.48 2.62 3.16 2.15 2.09 - 3.15
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $0.40 $0.48 $0.48 $0.52 $0.42 $0.44 $0.49 $0.19 $0.52 $0.49
Adjusted Weighted Average Basic Shares Outstanding		 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M 45.06M 52.65M 52.67M 52.69M 51.43M
Adjusted Diluted Earnings per Share		 $0.54 $0.40 $0.47 $0.48 $0.50 $0.42 $0.43 $0.48 $0.18 $0.53 $0.48
Adjusted Weighted Average Diluted Shares Outstanding		 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M 45.06M 52.65M 52.67M 52.69M 51.43M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 44.70M 44.80M 44.85M 44.85M 44.85M 45.05M 45.06M 52.65M 52.67M 52.69M 51.43M
Normalized Net Operating Profit after Tax (NOPAT)		 24 18 21 22 23 19 20 22 9.87 - 26
Normalized NOPAT Margin		 33.38% 26.05% 30.32% 30.91% 32.25% 26.11% 27.13% 29.04% 10.29% - 27.28%
Pre Tax Income Margin		 44.56% 35.64% 40.61% 41.22% 41.95% 34.66% 35.84% 38.88% 13.63% - 36.33%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.90 2.00 2.11 2.16 1.93 1.85 2.46 2.65 0.61 - 1.98
NOPAT to Interest Expense		 2.17 1.46 1.57 1.62 1.48 1.40 1.86 1.98 0.46 - 1.49
EBIT Less CapEx to Interest Expense		 2.44 1.67 1.86 1.94 1.78 1.70 2.31 2.58 0.56 - 1.94
NOPAT Less CapEx to Interest Expense		 1.71 1.13 1.33 1.40 1.33 1.24 1.71 1.91 0.41 - 1.44
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 9.21% 9.75% 10.00% 10.43% 10.61% 11.04% 11.78% 12.34% 15.92% - 15.37%
Augmented Payout Ratio		 9.84% 10.41% 10.87% 11.35% 11.55% 12.27% 13.81% 14.43% 26.72% - 50.74%

Financials Breakdown Chart

Key Financial Trends

Old Second Bancorp (NASDAQ: OSBC) is showing a mixed but generally improving earnings trend, with some pressure on deposits and balance sheet leverage in the most recent quarter. Over the last several years, the bank has grown loans, expanded assets, and maintained solid profitability, but the pace of deposit growth has been uneven and the latest quarter showed weaker cash generation and heavier funding pressure.

What stands out from Q1 2026: OSBC reported net income of $25.6 million, or $0.49 per share, on total revenue of $93.8 million. Net interest income was $81.1 million, while non-interest income contributed another $12.6 million. Operating cash flow was strong at $36.9 million, but the quarter also featured a large $31.0 million decline in deposits and a $24.5 million common equity repurchase, which helped drive a $8.3 million decline in cash and equivalents.

Longer-term trend: Compared with early 2024, OSBC has significantly expanded its loan book and total assets. Total assets rose from $5.62 billion in Q1 2024 to $6.85 billion in Q1 2026, while net loans increased from $3.93 billion to $5.11 billion over the same period. That indicates meaningful balance sheet growth, but equity has not kept pace, and deposit volatility has become a key item to watch.

  • Earnings remain profitable and consistent: Q1 2026 net income of $25.6 million was still healthy, and the bank has produced profitable quarters throughout the period shown.
  • Net interest income is strong: Q1 2026 net interest income of $81.1 million remained the main profit engine and improved meaningfully from Q1 2025.
  • Loan portfolio has expanded: Net loans and leases rose to $5.11 billion in Q1 2026 from $3.93 billion in Q1 2024, supporting future earning power.
  • Total assets have increased materially: Assets climbed to $6.85 billion, reflecting scale growth over the last two years.
  • Operating cash flow was solid in Q1 2026: The company generated $36.9 million of operating cash, which suggests core earnings are still converting into cash.
  • Efficiency looks manageable: Non-interest expense in Q1 2026 was $50.2 million on $93.8 million of revenue, leaving room for attractive pre-tax profitability.
  • Non-interest income is a meaningful contributor: Fee and other income provided $12.6 million in Q1 2026, but the mix is still dominated by spread income.
  • Allowance coverage is present but not exceptional: The allowance for loan losses was $72.1 million against gross loans of $5.19 billion, which is adequate but worth monitoring if credit quality softens.
  • Buybacks continue: OSBC repurchased $24.5 million of common equity in Q1 2026, supporting EPS but also reducing capital.
  • Deposits declined sharply in Q1 2026: Net change in deposits was down $31.0 million, continuing a pattern of deposit volatility that can pressure funding costs and growth.
  • Equity remains relatively thin versus assets: Total common equity was $893.3 million on $6.85 billion of assets, leaving the bank more leveraged than many investors may prefer.
  • Provision expense remains meaningful: Q1 2026 provision for credit losses was $9.5 million, up from $3.0 million in Q4 2025, suggesting credit costs are not negligible.
  • Cash balance fell in the latest quarter: Cash and due from banks dropped to $48.1 million from $53.1 million in Q3 2025, while the quarter’s net change in cash and equivalents was negative $8.3 million.

Bottom line: OSBC looks like a profitable regional bank with good loan growth and stable core earnings, but investors should keep an eye on deposit trends, capital deployment, and credit costs. The recent quarter was fundamentally decent, yet the shrinking deposit base and ongoing buybacks suggest management is balancing growth, funding, and capital return in a way that could affect future flexibility.

06/10/26 08:11 PM ETAI Generated. May Contain Errors.

Old Second Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Old Second Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Old Second Bancorp's net income appears to be on an upward trend, with a most recent value of $80.31 million in 2025, rising from $15.39 million in 2015. The previous period was $85.26 million in 2024. See Old Second Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Old Second Bancorp's total revenue changed from $88.38 million in 2015 to $339.33 million in 2025, a change of 283.9%.

Old Second Bancorp's total liabilities were at $6.01 billion at the end of 2025, a 20.6% increase from 2024, and a 212.6% increase since 2015.

In the past 10 years, Old Second Bancorp's cash and equivalents has ranged from $0.00 in 2017 to $56.63 million in 2022, and is currently $51.67 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:OSBC last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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