What is Old Second Bancorp Inc Ill's earnings per share (EPS)?

Old Second Bancorp Inc Ill (OSBC) reported diluted earnings per share of $1.62 for fiscal year 2025. This represents a -13.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Old Second Bancorp Inc Ill Financials

OSBC

Trailing 12 months to June 30, 2026

Revenue $405.9M +35.2% YoY

Net Income $92.4M +10.4% YoY

EPS (Diluted) $1.76 -3.8% YoY

Free Cash Flow $142.2M +32.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Old Second Bancorp Inc Ill (OSBC) reported $405.9M in revenue over the twelve months to Jun 30, 2026, up 35.2% 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).

Rhea AI OSBC FY2025 2026-08-15

Balance-sheet expansion is outpacing earnings, while cash conversion remains stronger than profitability alone suggests

2025 growth was balance-sheet heavy: assets rose to $6.9B from $5.6B, while net income fell to $80.3M from $85.3M. The combination of higher goodwill, a larger share count, and lower return on assets suggests the expanded platform has not yet produced proportional earnings capacity.

Operating cash flow exceeded net income in both FY2024 and FY2025, reaching $122.3M against $80.3M of earnings in the latest year. Free cash flow of $117.8M stayed close to operating cash flow because capital expenditures were only $4.5M, indicating limited reinvestment is consuming the reported cash generation.

Leverage improved structurally but remains central to the model: debt-to-equity declined from 7.4x to 6.7x as equity expanded, yet return on equity dropped from 12.7% to 9.0% and net margin from 28.6% to 22.6%. Revenue growth therefore came with weaker earnings efficiency rather than stronger profitability.

Financial Health Signals

Financial Health Score 53/100

Scored as: Banks peer group

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 Ill'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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Old Second Bancorp Inc Ill, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

3/6

Old Second Bancorp Inc Ill 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.

Earnings Quality Cash-Backed

1.52x

For every $1 of reported earnings, Old Second Bancorp Inc Ill 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

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Earnings & Revenue

Revenue

$355.2M

YoY+19.2%

5Y CAGR+27.8%

10Y CAGR+17.9%

Old Second Bancorp Inc Ill generated $355.2M in revenue in fiscal year 2025. This represents an increase of 19.2% from the prior year.

Net Income

$80.3M

YoY-5.8%

5Y CAGR+23.6%

10Y CAGR+18.0%

Old Second Bancorp Inc Ill reported $80.3M in net income in fiscal year 2025. This represents a decrease of 5.8% from the prior year.

EPS (Diluted)

$1.62

YoY-13.4%

5Y CAGR+12.0%

10Y CAGR+13.4%

Old Second Bancorp Inc Ill earned $1.62 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 13.4% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$117.8M

YoY-2.5%

5Y CAGR+39.8%

10Y CAGR+19.5%

Old Second Bancorp Inc Ill generated $117.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 2.5% from the prior year.

Cash & Debt

$124.0M

YoY+24.9%

5Y CAGR-17.8%

10Y CAGR+11.9%

Old Second Bancorp Inc Ill held $124.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.25

YoY+19.0%

5Y CAGR+44.3%

Old Second Bancorp Inc Ill paid $0.25 per share in dividends in fiscal year 2025. This represents an increase of 19.0% from the prior year.

Shares Outstanding

53M

YoY+17.0%

5Y CAGR+12.6%

10Y CAGR+6.0%

Old Second Bancorp Inc Ill had 53M shares outstanding in fiscal year 2025. This represents an increase of 17.0% from the prior year.

Margins & Returns

Net Margin

22.6%

YoY-6.0pp

5Y CAGR-4.1pp

10Y CAGR0.0pp

Old Second Bancorp Inc Ill's net profit margin was 22.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 6.0 percentage points from the prior year.

Return on Equity

9.0%

YoY-3.7pp

5Y CAGR-0.1pp

10Y CAGR-0.9pp

Old Second Bancorp Inc Ill's ROE was 9.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.7 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$7.4M

YoY+607.3%

5Y CAGR+4.6%

10Y CAGR+51.4%

Old Second Bancorp Inc Ill spent $7.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 607.3% from the prior year.

Capital Expenditures

$4.5M

YoY-58.2%

5Y CAGR+2.8%

10Y CAGR+13.4%

Old Second Bancorp Inc Ill invested $4.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 58.2% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

OSBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OSBC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$405.9M	$355.2M+19.2%	$297.9M+2.0%	$292.0M+34.9%	$216.5M+105.8%	$105.2M+0.9%	$104.2M-9.8%	$115.6M+7.4%	$107.6M+23.0%	$87.5M+19.3%	$73.4M+7.7%	$68.2M+0.2%	$68.0M-1.4%	$69.0M-8.0%	$75.1M-12.1%	$85.4M
SG&A Expenses	$130.5M	$124.7M+27.2%	$98.0M+10.7%	$88.6M+2.3%	$86.6M+50.1%	$57.7M+16.4%	$49.5M+5.7%	$46.9M+6.1%	$44.2M+10.2%	$40.1M+10.6%	$36.2M+3.3%	$35.1M-3.1%	$36.2M-1.4%	$36.7M+4.9%	$35.0M+2.9%	$34.0M
Interest Expense	$75.6M	$62.2M+10.6%	$56.3M+40.5%	$40.0M+288.1%	$10.3M+22.1%	$8.4M-32.2%	$12.5M-33.8%	$18.8M+12.9%	$16.7M+32.1%	$12.6M+27.0%	$9.9M+9.5%	$9.1M-17.4%	$11.0M-20.3%	$13.8M-12.4%	$15.7M-26.7%	$21.5M
Income Tax	$31.8M	$27.4M-0.9%	$27.7M-15.3%	$32.7M+35.4%	$24.1M+208.6%	$7.8M-18.4%	$9.6M-22.7%	$12.4M+25.0%	$9.9M-48.2%	$19.2M+117.3%	$8.8M-1.7%	$9.0M+55.8%	$5.8M+108.2%	-$70.2M	$0	$0
Net Income	$92.4M	$80.3M-5.8%	$85.3M-7.0%	$91.7M+36.1%	$67.4M+236.3%	$20.0M-28.0%	$27.8M-29.5%	$39.5M+16.0%	$34.0M+124.7%	$15.1M-3.5%	$15.7M+1.9%	$15.4M+51.8%	$10.1M-87.7%	$82.1M+114106.9%	-$72K+98.9%	-$6.5M
EPS (Diluted)	$1.76	$1.62-13.4%	$1.87-7.4%	$2.02+35.6%	$1.49+129.2%	$0.65-29.3%	$0.92-29.2%	$1.30+16.1%	$1.12+124.0%	$0.50-5.7%	$0.53+15.2%	$0.46	$0.46	$5.45	-$0.36	-$0.79

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$101.2M+2.9%	$98.3M-3.9%	$102.3M-1.7%	$104.1M+38.3%	$75.2M+2.3%	$73.6M-2.3%	$75.3M-1.0%	$76.1M
SG&A Expenses	$30.1M+1.4%	$29.7M-4.3%	$31.0M-22.0%	$39.7M+47.4%	$26.9M-0.2%	$27.0M+5.4%	$25.6M+3.8%	$24.7M
Interest Expense	$17.9M+3.8%	$17.2M-10.6%	$19.3M-9.6%	$21.3M+93.6%	$11.0M+3.2%	$10.7M-22.2%	$13.7M-11.6%	$15.5M
Income Tax	$9.7M+13.9%	$8.5M-19.1%	$10.5M+227.9%	$3.2M-56.7%	$7.4M+16.0%	$6.4M+1.7%	$6.3M-9.2%	$6.9M
Net Income	$28.2M+10.1%	$25.6M-11.1%	$28.8M+191.6%	$9.9M-54.8%	$21.8M+10.0%	$19.8M+3.8%	$19.1M-16.7%	$23.0M
EPS (Diluted)	$0.54+12.5%	$0.48-14.3%	$0.56+211.1%	$0.18-62.5%	$0.48+11.6%	$0.43+2.4%	$0.42-16.0%	$0.50

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

OSBC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OSBC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$6.9B+22.2%	$5.6B-1.3%	$5.7B-2.8%	$5.9B-5.2%	$6.2B+104.3%	$3.0B+15.4%	$2.6B-1.5%	$2.7B+12.3%	$2.4B+5.9%	$2.3B+8.4%	$2.1B+0.7%	$2.1B+2.9%	$2.0B-2.0%	$2.0B+5.4%	$1.9B
Cash & Equivalents	$124.0M+24.9%	$99.3M-0.8%	$100.1M-13.1%	$115.2M-84.7%	$752.1M+128.0%	$329.9M+551.6%	$50.6M-8.3%	$55.2M-1.1%	$55.8M+18.0%	$47.3M+17.3%	$40.3M-8.7%	$44.2M	N/A	N/A	N/A
Goodwill	$129.2M+38.5%	$93.3M+7.8%	$86.5M0.0%	$86.5M+0.2%	$86.3M+364.1%	$18.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$6.0B+20.6%	$5.0B-3.2%	$5.1B-5.2%	$5.4B-5.0%	$5.7B+108.9%	$2.7B+16.0%	$2.4B-3.6%	$2.4B+12.1%	$2.2B+5.2%	$2.1B+8.1%	$1.9B+2.9%	$1.9B+0.6%	$1.9B-5.9%	$2.0B+5.7%	$1.9B
Total Equity	$896.8M+33.6%	$671.0M+16.2%	$577.3M+25.2%	$461.1M-8.1%	$502.0M+63.5%	$307.1M+10.5%	$277.9M+21.3%	$229.1M+14.3%	$200.3M+14.3%	$175.2M+12.4%	$155.9M-19.7%	$194.2M+31.5%	$147.7M+103.6%	$72.6M-2.0%	$74.0M
Retained Earnings	$537.2M+14.5%	$469.2M+19.3%	$393.3M+26.7%	$310.5M+23.2%	$252.0M+6.5%	$236.6M+10.7%	$213.7M+21.8%	$175.5M+22.7%	$143.0M+10.8%	$129.0M+13.0%	$114.2M+13.4%	$100.7M+8.8%	$92.5M+668.2%	$12.0M-29.6%	$17.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$6.9B+0.3%	$6.8B-0.8%	$6.9B-1.3%	$7.0B+22.6%	$5.7B-0.5%	$5.7B+1.4%	$5.6B-0.4%	$5.7B
Cash & Equivalents	$143.3M+23.9%	$115.7M-6.7%	$124.0M+6.4%	$116.5M-17.8%	$141.8M-44.6%	$256.1M+157.9%	$99.3M-14.2%	$115.8M
Goodwill	$129.2M0.0%	$129.2M0.0%	$129.2M-0.8%	$130.3M+39.7%	$93.2M0.0%	$93.2M0.0%	$93.3M+7.8%	$86.5M
Total Liabilities	$6.0B+0.2%	$6.0B-0.8%	$6.0B-1.9%	$6.1B+22.9%	$5.0B-1.0%	$5.0B+1.1%	$5.0B-0.6%	$5.0B
Total Equity	$902.8M+1.1%	$893.3M-0.4%	$896.8M+3.5%	$866.7M+20.6%	$718.6M+3.5%	$694.5M+3.5%	$671.0M+1.5%	$661.4M
Retained Earnings	$583.7M+4.4%	$559.1M+4.1%	$537.2M+4.9%	$512.1M+1.3%	$505.4M+3.9%	$486.3M+3.7%	$469.2M+3.6%	$452.7M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.

OSBC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$145.7M	$122.3M-7.0%	$131.5M+13.0%	$116.4M+19.6%	$97.3M+213.5%	$31.0M+19.5%	$26.0M-50.6%	$52.6M-4.1%	$54.9M+48.0%	$37.1M+36.1%	$27.3M+28.9%	$21.1M+435.1%	-$6.3M-117.9%	$35.3M-18.6%	$43.3M+47.8%	$29.3M
Capital Expenditures	$3.5M	$4.5M-58.2%	$10.8M-12.8%	$12.4M+185.7%	$4.3M+113.1%	$2.0M-48.2%	$3.9M-10.4%	$4.4M+131.0%	$1.9M+79.6%	$1.1M-46.9%	$2.0M+55.2%	$1.3M+16.7%	$1.1M-39.0%	$1.8M+71.4%	$1.0M+31.1%	$800K
Free Cash Flow	$142.2M	$117.8M-2.5%	$120.7M+16.1%	$104.0M+11.8%	$93.0M+220.6%	$29.0M+31.5%	$22.1M-54.3%	$48.3M-9.0%	$53.0M+47.1%	$36.0M+42.7%	$25.3M+27.3%	$19.9M+368.2%	-$7.4M-122.1%	$33.5M-20.8%	$42.3M+48.2%	$28.5M
Investing Cash Flow	$196.3M	$159.8M-50.5%	$322.7M+99.7%	$161.6M+137.3%	-$432.8M-425.6%	$132.9M+228.0%	-$103.8M-345.9%	$42.2M+263.4%	-$25.8M+80.5%	-$132.5M-7.6%	-$123.1M-282.3%	-$32.2M	N/A	N/A	N/A	N/A
Financing Cash Flow	-$340.5M	-$257.4M+43.4%	-$455.1M-55.3%	-$293.0M+2.8%	-$301.5M-216.8%	$258.2M-27.7%	$357.1M+459.1%	-$99.5M-235.3%	-$29.7M-128.6%	$103.9M+1.0%	$102.8M+1328.0%	$7.2M	N/A	N/A	N/A	N/A
Dividends Paid	$14.1M	$12.2M+30.0%	$9.4M+5.2%	$8.9M+0.8%	$8.9M+92.5%	$4.6M+288.9%	$1.2M-0.8%	$1.2M+0.5%	$1.2M+0.4%	$1.2M+33.3%	$888K	N/A	$12.4M	N/A	N/A	N/A
Share Buybacks	$46.1M	$7.4M+607.3%	$1.0M+73.2%	$605K+33.0%	$455K-95.6%	$10.4M+75.9%	$5.9M+789.2%	$666K+31.9%	$505K+114.0%	$236K-7.1%	$254K+117.1%	$117K+154.3%	$46K-83.5%	$278K+341.3%	$63K+28.6%	$49K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$28.6M-22.6%	$36.9M-16.5%	$44.2M+23.1%	$35.9M+48.2%	$24.2M+35.9%	$17.8M-25.7%	$24.0M-50.5%	$48.5M
Capital Expenditures	$667K-13.3%	$769K-12.7%	$881K-28.1%	$1.2M+55.4%	$789K-51.0%	$1.6M-25.1%	$2.1M-8.4%	$2.3M
Free Cash Flow	$27.9M-22.8%	$36.2M-16.6%	$43.4M+24.9%	$34.7M+48.0%	$23.5M+44.5%	$16.2M-25.7%	$21.8M-52.7%	$46.2M
Investing Cash Flow	-$6.5M-121.9%	$29.6M-63.7%	$81.5M-11.3%	$91.8M+201.8%	-$90.2M-217.5%	$76.7M-70.4%	$259.3M+3594.2%	-$7.4M
Financing Cash Flow	$5.5M+107.4%	-$74.8M+36.7%	-$118.2M+22.7%	-$153.0M-215.8%	-$48.4M-177.9%	$62.2M+120.8%	-$299.7M-548.7%	-$46.2M
Dividends Paid	$3.6M-1.8%	$3.7M-0.1%	$3.7M+16.9%	$3.2M+16.7%	$2.7M+0.3%	$2.7M+0.1%	$2.7M+19.8%	$2.2M
Share Buybacks	$15.8M-35.6%	$24.5M+67827.8%	$36K-99.4%	$5.9M+9390.3%	$62K-95.7%	$1.4M+456.4%	$257K	$0

OSBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

OSBC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	22.6%-6.0pp	28.6%-2.8pp	31.4%+0.3pp	31.1%+12.1pp	19.1%-7.6pp	26.7%-7.4pp	34.1%+2.5pp	31.6%+14.3pp	17.3%-4.1pp	21.4%-1.2pp	22.6%+7.7pp	14.9%	118.9%	-0.1%+7.5pp	-7.6%
Return on Equity	9.0%-3.7pp	12.7%-3.2pp	15.9%+1.3pp	14.6%+10.6pp	4.0%-5.1pp	9.1%-5.1pp	14.2%-0.7pp	14.8%+7.3pp	7.6%-1.4pp	8.9%-0.9pp	9.9%+4.6pp	5.2%-50.4pp	55.6%+55.7pp	-0.1%+8.7pp	-8.8%
Return on Assets	1.2%-0.4pp	1.5%-0.1pp	1.6%+0.5pp	1.1%+0.8pp	0.3%-0.6pp	0.9%-0.6pp	1.5%+0.2pp	1.3%+0.6pp	0.6%-0.1pp	0.7%0.0pp	0.7%+0.3pp	0.5%-3.6pp	4.1%+4.1pp	0.0%+0.3pp	-0.3%
Debt-to-Equity	6.70-0.7x	7.42-1.5x	8.91-2.9x	11.77+0.4x	11.37+2.5x	8.90+0.4x	8.48-2.2x	10.68-0.2x	10.90-1.0x	11.85-0.5x	12.32+2.7x	9.62-3.0x	12.57-14.6x	27.20+2.0x	25.23
FCF Margin	33.1%-7.4pp	40.5%+4.9pp	35.6%-7.3pp	43.0%+15.4pp	27.6%+6.4pp	21.2%-20.6pp	41.8%-7.5pp	49.3%+8.1pp	41.2%+6.8pp	34.4%+5.3pp	29.1%+40.0pp	-10.9%-59.3pp	48.5%-7.8pp	56.3%+22.9pp	33.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	27.9%+1.8pp	26.0%-2.1pp	28.1%+18.7pp	9.5%-19.5pp	29.0%+2.0pp	27.0%+1.6pp	25.4%-4.8pp	30.2%
Return on Equity	3.1%+0.3pp	2.9%-0.3pp	3.2%+2.1pp	1.1%-1.9pp	3.0%+0.2pp	2.9%0.0pp	2.9%-0.6pp	3.5%
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.4%+0.3pp	0.1%-0.2pp	0.4%0.0pp	0.4%0.0pp	0.3%-0.1pp	0.4%
Debt-to-Equity	6.61-0.1x	6.670.0x	6.70-0.4x	7.07+0.1x	6.93-0.3x	7.25-0.2x	7.42-0.2x	7.58
FCF Margin	27.6%-9.2pp	36.8%-5.6pp	42.4%+9.0pp	33.4%+2.2pp	31.2%+9.1pp	22.1%-7.0pp	29.0%-31.6pp	60.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Old Second Bancorp Inc Ill Ranks

Frequently Asked Questions

What is Old Second Bancorp Inc Ill's annual revenue?

Old Second Bancorp Inc Ill (OSBC) reported $355.2M in total revenue for fiscal year 2025. This represents a 19.2% 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 Ill's revenue growing?

Old Second Bancorp Inc Ill (OSBC) revenue grew by 19.2% year-over-year, from $297.9M to $355.2M in fiscal year 2025.

Is Old Second Bancorp Inc Ill profitable?

Yes, Old Second Bancorp Inc Ill (OSBC) reported a net income of $80.3M in fiscal year 2025, with a net profit margin of 22.6%.

What is Old Second Bancorp Inc Ill's net profit margin?

Old Second Bancorp Inc Ill (OSBC) had a net profit margin of 22.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Old Second Bancorp Inc Ill pay dividends?

Yes, Old Second Bancorp Inc Ill (OSBC) paid $0.25 per share in dividends during fiscal year 2025.

What is Old Second Bancorp Inc Ill's return on equity (ROE)?

Old Second Bancorp Inc Ill (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 Ill's free cash flow?

Old Second Bancorp Inc Ill (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 Ill's operating cash flow?

Old Second Bancorp Inc Ill (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 Ill's total assets?

Old Second Bancorp Inc Ill (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 Ill's capital expenditures?

Old Second Bancorp Inc Ill (OSBC) invested $4.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Old Second Bancorp Inc Ill buy back shares?

Yes, Old Second Bancorp Inc Ill (OSBC) spent $7.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Old Second Bancorp Inc Ill have outstanding?

Old Second Bancorp Inc Ill (OSBC) had 53M shares outstanding as of fiscal year 2025.

What is Old Second Bancorp Inc Ill's debt-to-equity ratio?

Old Second Bancorp Inc Ill (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 Ill's return on assets (ROA)?

Old Second Bancorp Inc Ill (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 Ill's Piotroski F-Score?

Old Second Bancorp Inc Ill (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 Ill's earnings high quality?

Old Second Bancorp Inc Ill (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 Ill?

Old Second Bancorp Inc Ill (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.