Old Second Bancorp Inc (OSBC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OSBC SEC filings page.
Old Second Bancorp Inc (OSBC) reported $381.5M in revenue over the twelve months to Jun 30, 2026, up 30.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The bank expanded its balance sheet in FY2025, but higher scale produced less profit per dollar of assets and equity.
Revenue increased 18.9% while net income fell 5.8%, showing that FY2025 growth did not translate into earnings at the prior rate. Assets also expanded 22.2% from FY2024 while return on assets declined, indicating the larger balance sheet was less productive.
The equity base reached
Operating cash flow was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Old Second Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Old Second Bancorp Inc earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.5% the prior year. Earnings ranks banks on that return over three years, and Old Second Bancorp Inc scores 81/100 among other banks.
Old Second Bancorp Inc reported revenue of $339.3M in fiscal year 2025, against $285.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Old Second Bancorp Inc scores 55/100 among other banks.
Old Second Bancorp Inc funded 13.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $896.8M of equity against $6.9B of assets. Capital ranks banks on that cushion, and Old Second Bancorp Inc scores 68/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Old Second Bancorp Inc scores 76/100 on it among other banks.
Not available for Old Second Bancorp Inc, and counted as zero in the overall score.
Old Second Bancorp Inc reported net income of $80.3M in fiscal year 2025, against $85.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Old Second Bancorp Inc scores 38/100 among other banks.
Old Second Bancorp Inc passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Old Second Bancorp Inc generates $1.52 in operating cash flow ($122.3M OCF vs $80.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Old Second Bancorp Inc generated $96.6M in revenue in Q2 2026. This represents an increase of 28.6% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.
Old Second Bancorp Inc reported $28.2M in net income in Q2 2026. This represents an increase of 29.1% from the same quarter a year earlier. Against the prior quarter it is up 10.1%.
Old Second Bancorp Inc earned $0.54 per diluted share (EPS) in Q2 2026. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 12.5%.
Not reported for Q2 2026.
Cash & Balance Sheet
Old Second Bancorp Inc generated $27.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 19.0% from the same quarter a year earlier. Against the prior quarter it is down 22.8%.
Old Second Bancorp Inc held $143.3M in cash as of Q2 2026; long-term debt is not reported for that period.
Old Second Bancorp Inc paid $0.07 per share in dividends in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Old Second Bancorp Inc's net profit margin was 29.2% in Q2 2026, showing the share of revenue converted to profit. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.
Old Second Bancorp Inc's ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Old Second Bancorp Inc spent $15.8M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 25308.1% from the same quarter a year earlier. Against the prior quarter it is down 35.6%.
Old Second Bancorp Inc invested $667K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 15.5% from the same quarter a year earlier. Against the prior quarter it is down 13.3%.
Not reported for Q2 2026.
OSBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $96.6M+28.6% | $93.8M+28.3% | $95.2M+30.1% | $95.9M+34.7% | $75.1M+6.1% | $73.1M+4.0% | $73.2M+4.6% | $71.2M-2.4% |
| SG&A Expenses | $30.1M+11.7% | $29.7M+9.9% | $31.0M+21.0% | $39.7M+61.0% | $26.9M+15.1% | $27.0M+11.0% | $25.6M+19.7% | $24.7M+6.8% |
| Interest Expense | $17.9M+62.3% | $17.2M+61.4% | $19.3M+40.6% | $21.3M+37.5% | $11.0M-18.7% | $10.7M-21.3% | $13.7M+9.9% | $15.5M+38.4% |
| Income Tax | $9.7M+30.7% | $8.5M+33.1% | $10.5M+67.4% | $3.2M-53.7% | $7.4M+1.3% | $6.4M-11.9% | $6.3M-6.7% | $6.9M-15.3% |
| Net Income | $28.2M+29.1% | $25.6M+29.0% | $28.8M+50.6% | $9.9M-57.0% | $21.8M-0.3% | $19.8M-7.0% | $19.1M+4.9% | $23.0M-5.7% |
| EPS (Basic) | $0.55+12.2% | $0.49+11.4% | $0.56+33.3% | $0.19-63.5% | $0.49+2.1% | $0.44-8.3% | $0.42+5.0% | $0.52-5.5% |
| EPS (Diluted) | $0.54+12.5% | $0.48+11.6% | $0.56+33.3% | $0.18-64.0% | $0.480.0% | $0.43-8.5% | $0.42+5.0% | $0.50-7.4% |
| Diluted Shares (Avg) | 52M+13.7% | 53M+16.6% | N/A | 54M+17.1% | 46M+0.3% | 46M+0.4% | N/A | 46M+0.6% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
OSBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.9B+20.5% | $6.8B+19.6% | $6.9B+22.2% | $7.0B+23.3% | $5.7B+0.7% | $5.7B+2.0% | $5.6B-1.3% | $5.7B-1.5% |
| Cash & Equivalents | $143.3M+1.1% | $115.7M-54.8% | $124.0M+24.9% | $116.5M+0.7% | $141.8M+17.3% | $256.1M+161.1% | $99.3M-0.8% | $115.8M+6.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $129.2M+38.6% | $129.2M+38.6% | $129.2M+38.5% | $130.3M+50.6% | $93.2M+7.8% | $93.2M+7.8% | $93.3M+7.8% | $86.5M0.0% |
| Total Liabilities | $6.0B+19.8% | $6.0B+18.3% | $6.0B+20.6% | $6.1B+22.2% | $5.0B-1.2% | $5.0B+0.3% | $5.0B-3.2% | $5.0B-4.1% |
| Total Equity | $902.8M+25.6% | $893.3M+28.6% | $896.8M+33.6% | $866.7M+31.0% | $718.6M+16.0% | $694.5M+16.5% | $671.0M+16.2% | $661.4M+24.2% |
| Retained Earnings | $583.7M+15.5% | $559.1M+15.0% | $537.2M+14.5% | $512.1M+13.1% | $505.4M+17.0% | $486.3M+17.9% | $469.2M+19.3% | $452.7M+20.0% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
OSBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $28.6M+17.9% | $36.9M+107.1% | $44.2M+84.4% | $35.9M-25.9% | $24.2M+108.1% | $17.8M-62.4% | $24.0M-17.5% | $48.5M-40.7% |
| Depreciation & Amortization | $1.7M+20.8% | $1.7M+20.6% | $1.7M+18.4% | $1.6M+11.9% | $1.4M+4.7% | $1.4M+4.3% | $1.4M+14.8% | $1.4M+30.3% |
| Stock-Based Compensation | N/A | $1.4M+4.3% | N/A | N/A | N/A | $1.4M+19.5% | N/A | N/A |
| Capital Expenditures | $667K-15.5% | $769K-52.2% | $881K-59.0% | $1.2M-47.7% | $789K-73.4% | $1.6M-51.7% | $2.1M-48.3% | $2.3M-54.6% |
| Free Cash Flow | $27.9M+19.0% | $36.2M+122.9% | $43.4M+98.5% | $34.7M-24.8% | $23.5M+170.0% | $16.2M-63.2% | $21.8M-12.3% | $46.2M-39.7% |
| Investing Cash Flow | -$6.5M+92.8% | $29.6M-61.4% | $81.5M-68.6% | $91.8M+1336.9% | -$90.2M-290.8% | $76.7M-18.3% | $259.3M+600.0% | -$7.4M-109.8% |
| Financing Cash Flow | $5.5M+111.4% | -$74.8M-220.3% | -$118.2M+60.6% | -$153.0M-231.1% | -$48.4M-241.5% | $62.2M+143.4% | -$299.7M-299.6% | -$46.2M+71.3% |
| Dividends Paid | $3.6M+33.9% | $3.7M+36.8% | $3.7M+37.1% | $3.2M+40.5% | $2.7M+20.6% | $2.7M+20.4% | $2.7M+20.5% | $2.2M+0.4% |
| Share Buybacks | $15.8M+25308.1% | $24.5M+1610.1% | $36K-86.0% | $5.9M | $62K+313.3% | $1.4M+84.3% | $257K | $0 |
OSBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.2%+0.1pp | 27.3%+0.2pp | 30.2%+4.1pp | 10.3%-22.0pp | 29.0%-1.9pp | 27.1%-3.2pp | 26.1%+0.1pp | 32.3%-1.1pp |
| Return on Equity | 3.1%+0.1pp | 2.9%0.0pp | 3.2%+0.4pp | 1.1%-2.3pp | 3.0%-0.5pp | 2.9%-0.7pp | 2.9%-0.3pp | 3.5%-1.1pp |
| Return on Assets | 0.4%0.0pp | 0.4%0.0pp | 0.4%+0.1pp | 0.1%-0.3pp | 0.4%0.0pp | 0.4%0.0pp | 0.3%0.0pp | 0.4%0.0pp |
| Debt-to-Equity | 6.61-0.3x | 6.67-0.6x | 6.70-0.7x | 7.07-0.5x | 6.93-1.2x | 7.25-1.2x | 7.42-1.5x | 7.58-2.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 28.9%-2.3pp | 38.6%+16.4pp | 45.5%+15.7pp | 36.2%-28.6pp | 31.2%+18.9pp | 22.2%-40.5pp | 29.8%-5.8pp | 64.9% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Old Second Bancorp Inc OSBC | FY2025 | $339.3M | $80.3M | 23.7% | $1.3B | 53/100 |
| Tompkins Financial Corporation TMP | FY2025 | $446.6M | $161.1M | 36.1% | $1.4B | 49/100 |
| Burke & Herbert Financial Services Corp. BHRB | FY2025 | $342.0M | $117.3M | 34.3% | $1.4B | 44/100 |
| Community Trust Bancorp Inc CTBI | FY2025 | $282.6M | $98.1M | 34.7% | $1.4B | 65/100 |
Where Old Second Bancorp Inc Ranks
Frequently Asked Questions
What is Old Second Bancorp Inc's annual revenue?
Old Second Bancorp Inc (OSBC) reported $339.3M in total revenue for fiscal year 2025. This represents a 18.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Old Second Bancorp Inc's revenue growing?
Old Second Bancorp Inc (OSBC) revenue grew by 18.9% year-over-year, from $285.5M to $339.3M in fiscal year 2025.
Is Old Second Bancorp Inc profitable?
Yes, Old Second Bancorp Inc (OSBC) reported a net income of $80.3M in fiscal year 2025, with a net profit margin of 23.7%.
What is Old Second Bancorp Inc's net profit margin?
Old Second Bancorp Inc (OSBC) had a net profit margin of 23.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Old Second Bancorp Inc pay dividends?
Yes, Old Second Bancorp Inc (OSBC) paid $0.25 per share in dividends during fiscal year 2025.
What is Old Second Bancorp Inc's return on equity (ROE)?
Old Second Bancorp Inc (OSBC) has a return on equity of 9.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Old Second Bancorp Inc's free cash flow?
Old Second Bancorp Inc (OSBC) generated $117.8M in free cash flow during fiscal year 2025. This represents a -2.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Old Second Bancorp Inc's operating cash flow?
Old Second Bancorp Inc (OSBC) generated $122.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Old Second Bancorp Inc's total assets?
Old Second Bancorp Inc (OSBC) had $6.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Old Second Bancorp Inc's capital expenditures?
Old Second Bancorp Inc (OSBC) invested $4.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Old Second Bancorp Inc's debt-to-equity ratio?
Old Second Bancorp Inc (OSBC) had a debt-to-equity ratio of 6.70 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Old Second Bancorp Inc's return on assets (ROA)?
Old Second Bancorp Inc (OSBC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Old Second Bancorp Inc's P/E ratio?
Old Second Bancorp Inc (OSBC) trades at 13.7x earnings, its market capitalization divided by net income of $92.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Old Second Bancorp Inc's price-to-sales ratio?
Old Second Bancorp Inc (OSBC) trades at 3.3x sales, its market capitalization divided by revenue of $381.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Old Second Bancorp Inc's Piotroski F-Score?
Old Second Bancorp Inc (OSBC) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Old Second Bancorp Inc's earnings high quality?
Old Second Bancorp Inc (OSBC) has an earnings quality ratio of 1.52x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Old Second Bancorp Inc?
Old Second Bancorp Inc (OSBC) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.