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Old Second Bancorp, Inc.(OSBC)Earnings, Financials & Key Ratios
OSBC•NASDAQ•Banking & Credit
13.5× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOld Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.Show more
- Net Interest Income$292M+21.9%
- Total Revenue$397M+18.1%
- Net Income$80M-5.8%
- Return on Equity10.24%-25.0%
- Net Interest Margin4.23%-0.2%
- Efficiency Ratio50.24%+9.5%
- ROA1.28%-14.7%
- Equity / Assets12.99%+9.4%
- Book Value per Share16.77+14.0%
OSBC Key Insights
Old Second Bancorp, Inc. (OSBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 23.6%
- ✓Strong NIM of 4.2%
- ✓Efficient operations: 50.2% efficiency ratio
- ✓Well capitalized: 13.0% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.3x book value
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
- ✗Shares diluted 17.2% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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OSBC Price & Volume
Old Second Bancorp, Inc. (OSBC) stock price & volume — 10-year historical chart
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OSBC Growth Metrics
Old Second Bancorp, Inc. (OSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.13%
5 Years23.26%
3 Years15.86%
TTM-
Profit CAGR
10 Years17.97%
5 Years23.61%
3 Years6.01%
TTM-5.81%
EPS CAGR
10 Years13.42%
5 Years11.98%
3 Years2.83%
TTM-12.83%
Return on Capital
10 Years11.03%
5 Years11.01%
3 Years12.19%
Last Year3.85%
OSBC Recent Earnings
Old Second Bancorp, Inc. (OSBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.49-5.8%
$0.52
Rev
$94M+0.6%
$93M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.44-17.0%
$0.53
Rev
$95M+15.4%
$82M
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$0.58+9.4%
$0.53
Rev
$95M+0.3%
$95M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.53+105.2%
$0.26
Rev
$94M+13.6%
$83M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.49vs $0.52-5.8% | $94Mvs $93M+0.6% |
| Q1 2026 | Jan 28, 2026 | $0.44vs $0.53-17.0% | $95Mvs $82M+15.4% |
| Q1 2026 | Jan 21, 2026 | $0.58vs $0.53+9.4% | $95Mvs $95M+0.3% |
| Q4 2025 | Oct 22, 2025 | $0.53vs $0.26+105.2% | $94Mvs $83M+13.6% |
Based on last 12 quarters of dataView full earnings history →
OSBC Peer Comparison
Old Second Bancorp, Inc. (OSBC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MBWM | 928.5M | 53.75 | 9.84 | 2.74% | 23.87% | 13.54% | 1.14 | |
 MOFG | 1.02B | 49.31 | -13.93 | -23.13% | 16.66% | 10.02% | 0.21 | |
 CFFI | 255.12M | 78.36 | 9.45 | 11.78% | 14.6% | 10.82% | 0.44 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MVBF | 354.9M | 27.63 | 13.41 | 18.96% | 13.74% | 8.46% | 0.23 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 BANF | 3.77B | 111.31 | 15.63 | -9.29% | 29.19% | 13.68% | 0.07 |
Compare OSBC vs Peers
Old Second Bancorp, Inc. (OSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OSBC Income Statement
Old Second Bancorp, Inc. (OSBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 74.51M | 90.47M | 96.16M | 91.27M | 96.26M | 205.22M | 250.01M | 239.36M | 291.84M |
NII Growth % | 18.07% | 21.42% | 6.29% | -5.09% | 5.47% | 113.2% | 21.83% | -4.26% | 21.93% |
Net Interest Margin % | 3.13% | 3.38% | 3.65% | 3% | 1.55% | 3.49% | 4.37% | 4.24% | 4.23% |
Interest Income | 87.14M | 107.15M | 114.99M | 103.73M | 104.71M | 215.54M | 290.05M | 295.63M | 354.05M |
Interest Expense | 12.63M | 16.68M | 18.84M | 12.46M | 8.45M | 10.32M | 40.04M | 56.27M | 62.22M |
Loan Loss Provision | 1.8M | 1.23M | 1.6M | 10.41M | 4.33M | 6.55M | 16.5M | 12.75M | 24.55M |
Non-Interest Income | 29.4M | 29.84M | 34.45M | 35.78M | 37.18M | 39.7M | 30.98M | 40.54M | 42.91M |
Non-Interest Income % | 25.23% | 21.78% | 23.05% | 25.64% | 26.2% | 15.56% | 9.65% | 12.06% | 10.81% |
Total Revenue | 116.54M▲ 0% | 136.99M▲ 17.5% | 149.44M▲ 9.1% | 139.51M▼ 6.6% | 141.89M▲ 1.7% | 255.24M▲ 79.9% | 321.03M▲ 25.8% | 336.17M▲ 4.7% | 396.97M▲ 18.1% |
Revenue Growth % | 15.96% | 17.55% | 9.09% | -6.65% | 1.71% | 79.89% | 25.77% | 4.72% | 18.09% |
Non-Interest Expense | 67.81M | 75.14M | 77.15M | 79.22M | 101.24M | 146.82M | 140.08M | 154.19M | 199.44M |
Efficiency Ratio | 58.19% | 54.85% | 51.62% | 56.79% | 71.36% | 57.52% | 43.63% | 45.87% | 50.24% |
Operating Income | 34.3M▲ 0% | 43.94M▲ 28.1% | 51.86M▲ 18.0% | 37.41M▼ 27.9% | 27.87M▼ 25.5% | 91.55M▲ 228.5% | 124.41M▲ 35.9% | 112.96M▼ 9.2% | 110.75M▼ 2.0% |
Operating Margin % | 29.43% | 32.07% | 34.7% | 26.81% | 19.64% | 35.87% | 38.75% | 33.6% | 27.9% |
Operating Income Growth % | 39.99% | 28.09% | 18.03% | -27.86% | -25.51% | 228.52% | 35.89% | -9.21% | -1.95% |
Pretax Income | 34.3M▲ 0% | 43.94M▲ 28.1% | 51.86M▲ 18.0% | 37.41M▼ 27.9% | 27.87M▼ 25.5% | 91.55M▲ 228.5% | 124.41M▲ 35.9% | 112.96M▼ 9.2% | 107.75M▼ 4.6% |
Pretax Margin % | 29.43% | 32.07% | 34.7% | 26.81% | 19.64% | 35.87% | 38.75% | 33.6% | 27.14% |
Income Tax | 19.16M | 9.92M | 12.4M | 9.58M | 7.82M | 24.14M | 32.68M | 27.69M | 27.44M |
Effective Tax Rate % | 55.87% | 22.59% | 23.92% | 25.62% | 28.07% | 26.37% | 26.27% | 24.52% | 25.47% |
Net Income | 15.14M▲ 0% | 34.01M▲ 124.7% | 39.45M▲ 16.0% | 27.82M▼ 29.5% | 20.04M▼ 28.0% | 67.41M▲ 236.3% | 91.73M▲ 36.1% | 85.26M▼ 7.0% | 80.31M▼ 5.8% |
Net Margin % | 12.99% | 24.83% | 26.4% | 19.95% | 14.13% | 26.41% | 28.57% | 25.36% | 20.23% |
Net Income Growth % | -3.48% | 124.68% | 16% | -29.48% | -27.96% | 236.29% | 36.09% | -7.05% | -5.81% |
Net Income (Continuing) | 15.14M | 34.01M | 39.45M | 27.82M | 20.04M | 67.41M | 91.73M | 85.26M | 80.31M |
EPS (Diluted) | 0.50▲ 0% | 1.12▲ 124.0% | 1.30▲ 16.1% | 0.92▼ 29.2% | 0.65▼ 29.3% | 1.49▲ 129.2% | 2.02▲ 35.6% | 1.87▼ 7.4% | 1.62▼ 13.4% |
EPS Growth % | -5.66% | 124% | 16.07% | -29.23% | -29.35% | 129.23% | 35.57% | -7.43% | -13.37% |
EPS (Basic) | 0.51 | 1.14 | 1.32 | 0.94 | 0.66 | 1.51 | 2.05 | 1.90 | 1.64 |
Diluted Shares Outstanding | 30.04M | 30.31M | 30.42M | 30.17M | 30.74M | 45.21M | 45.4M | 45.64M | 53.48M |
OSBC Balance Sheet
Old Second Bancorp, Inc. (OSBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 597.27M | 596.48M | 535.28M | 826.08M | 2.45B | 1.65B | 1.29B | 1.26B | 196.38M |
Cash & Due from Banks | 55.83M | 55.23M | 50.63M | 329.9M | 752.11M | 115.18M | 100.14M | 99.33M | 124.03M |
Short Term Investments | 541.44M | 541.25M | 484.65M | 496.18M | 1.69B | 1.54B | 1.19B | 1.16B | 72.36M |
Total Investments | 2.08B | 2.34B | 2.28B | 2.37B | 4.9B | 5.09B | 4.8B | 4.61B | 1.16B |
Investments Growth % | 6.86% | 12.81% | -2.75% | 4.08% | 106.67% | 3.74% | -5.66% | -3.88% | -74.78% |
Long-Term Investments | 1.54B | 1.8B | 1.79B | 1.88B | 3.21B | 3.55B | 3.6B | 3.45B | 1.09B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 15.87M | 29.17M | 27.21M | 25M | 109.73M | 111.34M | 108.04M | 125.67M | 152.89M |
Goodwill | 8.92M | 21.81M | 21.27M | 18.6M | 86.33M | 86.48M | 86.48M | 93.26M | 129.2M |
Intangible Assets | 6.94M | 7.36M | 5.93M | 6.4M | 23.4M | 24.87M | 21.56M | 32.41M | 23.69M |
PP&E (Net) | 37.63M | 42.44M | 44.35M | 45.48M | 88M | 72.36M | 79.31M | 87.31M | 86.64M |
Other Assets | 103.08M | 105.63M | 103.16M | 122.55M | 181.35M | 184.71M | 211.39M | 209.48M | 0 |
Total Current Assets | 665.6M | 675.29M | 655.03M | 963.79M | 2.62B | 1.93B | 1.69B | 1.75B | 196.38M |
Total Non-Current Assets | 1.72B | 2B | 1.98B | 2.08B | 3.59B | 3.96B | 4.03B | 3.9B | 1.36B |
Total Assets | 2.38B▲ 0% | 2.68B▲ 12.3% | 2.64B▼ 1.5% | 3.04B▲ 15.4% | 6.21B▲ 104.3% | 5.89B▼ 5.2% | 5.72B▼ 2.8% | 5.65B▼ 1.3% | 6.9B▲ 22.2% |
Asset Growth % | 5.87% | 12.28% | -1.51% | 15.38% | 104.29% | -5.21% | -2.81% | -1.28% | 22.18% |
Return on Assets (ROA) | 0.65% | 1.34% | 1.49% | 0.98% | 0.43% | 1.11% | 1.58% | 1.5% | 1.28% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 246.62M | 313.36M | 205.87M | 160.52M | 198.88M | 260.81M | 516.63M | 141.9M | 338.92M |
Net Debt | 190.78M | 258.12M | 155.24M | -169.38M | -553.23M | 145.63M | 416.48M | 42.57M | 214.9M |
Long-Term Debt | 101.7M | 117.22M | 108.68M | 93.54M | 148.54M | 138.66M | 85.16M | 85.24M | 100.15M |
Short-Term Debt | 144.92M | 196.13M | 97.19M | 66.98M | 50.34M | 122.16M | 431.47M | 56.66M | 238.77M |
Other Liabilities | 13.54M | 16.89M | 25.06M | 36.16M | 45.05M | 55.64M | 58.15M | 67.72M | 3.93B |
Total Current Liabilities | 2.07B | 2.31B | 2.22B | 2.6B | 5.52B | 5.23B | 5B | 4.83B | 1.98B |
Total Non-Current Liabilities | 115.24M | 134.12M | 133.74M | 129.7M | 193.59M | 194.3M | 143.3M | 152.96M | 4.03B |
Total Liabilities | 2.18B | 2.45B | 2.36B | 2.73B | 5.71B | 5.43B | 5.15B | 4.98B | 6.01B |
Total Equity | 200.35M▲ 0% | 229.08M▲ 14.3% | 277.86M▲ 21.3% | 307.09M▲ 10.5% | 502.03M▲ 63.5% | 461.14M▼ 8.1% | 577.28M▲ 25.2% | 671.03M▲ 16.2% | 896.77M▲ 33.6% |
Equity Growth % | 14.35% | 14.34% | 21.3% | 10.52% | 63.48% | -8.14% | 25.19% | 16.24% | 33.64% |
Equity / Assets (Capital Ratio) | 8.41% | 8.56% | 10.54% | 10.1% | 8.08% | 7.83% | 10.09% | 11.88% | 12.99% |
Return on Equity (ROE) | 8.06% | 15.84% | 15.57% | 9.51% | 4.95% | 14% | 17.67% | 13.66% | 10.24% |
Book Value per Share | 6.67 | 7.56 | 9.14 | 10.18 | 16.33 | 10.20 | 12.72 | 14.70 | 16.77 |
Tangible BV per Share | 6.14 | 6.60 | 8.24 | 9.35 | 12.76 | 7.74 | 10.34 | 11.95 | 13.91 |
Common Stock | 34.63M | 34.72M | 34.85M | 34.96M | 44.7M | 44.7M | 44.7M | 44.91M | 53.02M |
Additional Paid-in Capital | 117.74M | 119.08M | 120.66M | 122.21M | 202.44M | 202.28M | 202.22M | 205.28M | 341.45M |
Retained Earnings | 142.96M | 175.46M | 213.72M | 236.58M | 252.01M | 310.51M | 393.31M | 469.17M | 537.23M |
Accumulated OCI | 1.48M | -4.08M | 4.56M | 14.76M | 8.77M | -93.12M | -62.78M | -47.75M | -28.74M |
Treasury Stock | -96.46M | -96.1M | -95.93M | -101.42M | -5.9M | -3.23M | -177K | -575K | -6.19M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OSBC Cash Flow Statement
Old Second Bancorp, Inc. (OSBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 37.1M | 54.91M | 52.64M | 25.99M | 31.05M | 97.34M | 116.4M | 131.53M | 122.26M |
Operating CF Growth % | 36.14% | 47.98% | -4.13% | -50.63% | 19.47% | 213.54% | 19.58% | 13% | -7.05% |
Net Income | 15.14M | 34.01M | 39.45M | 27.82M | 20.04M | 67.41M | 91.73M | 85.26M | 80.31M |
Depreciation & Amortization | 2.4M | 2.81M | 3M | 3.29M | 3.8M | 6.88M | 7.7M | 9.16M | 11.25M |
Deferred Taxes | 21.57M | 9.84M | 6.44M | -646K | 6.48M | 969K | 1.86M | -1.37M | 1.59M |
Other Non-Cash Items | 3.67M | 2.69M | 585K | 4.65M | 14.18M | 2.51M | 18.63M | 14.57M | 23.9M |
Working Capital Changes | -6.86M | 3.3M | 644K | -11.22M | -14.89M | 16.61M | -7.12M | 19.99M | -342K |
Cash from Investing | -132.49M | -25.84M | 42.21M | -103.81M | 132.92M | -432.78M | 161.56M | 322.7M | 159.82M |
Purchase of Investments | -343.47M | -75.04M | -159.54M | -65.23M | -886.1M | -301.65M | -13.41M | -265.5M | -191.59M |
Sale/Maturity of Investments | 349.85M | 135.3M | 233.05M | 66.06M | 744.72M | 310.83M | 391.79M | 309.5M | 405.52M |
Net Investment Activity | 6.38M | 60.26M | 73.51M | 831K | -141.38M | 9.18M | 378.37M | 44M | 213.93M |
Acquisitions | 0 | -35.71M | 0 | 0 | 149M | -146K | 0 | 237.44M | 10.53M |
Other Investing | -137.81M | -48.49M | -26.92M | -100.72M | 127.34M | -437.48M | -204.44M | 52.05M | -60.13M |
Cash from Financing | 103.88M | -29.66M | -99.45M | 357.09M | 258.24M | -301.5M | -292.99M | -455.05M | -257.39M |
Dividends Paid | -1.18M | -1.19M | -1.2M | -1.19M | -4.61M | -8.88M | -8.95M | -9.41M | -12.24M |
Share Repurchases | -236K | -505K | -666K | -5.92M | -10.42M | -455K | -605K | -1.05M | -7.41M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -236K | -505K | -666K | -5.92M | -10.42M | -455K | -605K | -1.05M | -7.41M |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | 60.3M | -43.53M | 12.21M | 428.61M | 218.44M | -372.11M | -544.44M | -59.59M | -404.35M |
Net Change in Cash | 8.5M▲ 0% | -598K▼ 107.0% | -4.6M▼ 669.7% | 279.27M▲ 6167.2% | 422.2M▲ 51.2% | -636.93M▼ 250.9% | -15.03M▲ 97.6% | -816K▲ 94.6% | 24.7M▲ 3126.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 47.33M | 55.83M | 55.23M | 50.63M | 329.9M | 752.11M | 115.18M | 100.14M | 99.33M |
Cash at End | 55.83M | 55.23M | 50.63M | 329.9M | 752.11M | 115.18M | 100.14M | 99.33M | 124.03M |
Interest Paid | 12.51M | 15.97M | 18.76M | 12.35M | 8.12M | 10.2M | 38.45M | 55.27M | 60.53M |
Income Taxes Paid | 430K | 20K | 4.42M | 7.92M | 10.59M | 11.23M | 35.67M | 23.03M | 20.69M |
Free Cash Flow | 36.05M▲ 0% | 53.01M▲ 47.1% | 48.26M▼ 9.0% | 22.07M▼ 54.3% | 29.01M▲ 31.5% | 93.01M▲ 220.6% | 104.03M▲ 11.8% | 120.75M▲ 16.1% | 117.76M▼ 2.5% |
FCF Growth % | 42.66% | 47.05% | -8.96% | -54.28% | 31.49% | 220.58% | 11.84% | 16.07% | -2.47% |
OSBC Banking Ratios
Old Second Bancorp, Inc. (OSBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 9.47% | 8.06% | 15.84% | 15.57% | 9.51% | 4.95% | 14% | 17.67% | 13.66% | 10.24% |
Return on Assets (ROA) | 0.72% | 0.65% | 1.34% | 1.49% | 0.98% | 0.43% | 1.11% | 1.58% | 1.5% | 1.28% |
Net Interest Margin | 2.8% | 3.13% | 3.38% | 3.65% | 3% | 1.55% | 3.49% | 4.37% | 4.24% | 4.23% |
Efficiency Ratio | 64.98% | 58.19% | 54.85% | 51.62% | 56.79% | 71.36% | 57.52% | 43.63% | 45.87% | 50.24% |
Equity / Assets | 7.78% | 8.41% | 8.56% | 10.54% | 10.1% | 8.08% | 7.83% | 10.09% | 11.88% | 12.99% |
Book Value / Share | 5.87 | 6.67 | 7.56 | 9.14 | 10.18 | 16.33 | 10.2 | 12.72 | 14.7 | 16.77 |
NII Growth | 7.36% | 18.07% | 21.42% | 6.29% | -5.09% | 5.47% | 113.2% | 21.83% | -4.26% | 21.93% |
Dividend Payout | 5.66% | 7.82% | 3.5% | 3.03% | 4.26% | 23.01% | 13.17% | 9.75% | 11.04% | 15.24% |
Related:OSBC Dividend History·OSBC Revenue History·OSBC Price History·OSBC P/E History·OSBC Financial Ratios·OSBC Institutional Holders
OSBC SEC Filings & Documents
Old Second Bancorp, Inc. (OSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
OSBC Frequently Asked Questions
Old Second Bancorp, Inc. (OSBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Old Second Bancorp, Inc. (OSBC) grew revenue by 18.1% over the past year. This is strong growth.
Yes, Old Second Bancorp, Inc. (OSBC) is profitable, generating $80.3M in net income for fiscal year 2025 (20.2% net margin).
Dividend & Returns
Yes, Old Second Bancorp, Inc. (OSBC) pays a dividend with a yield of 1.05%. This makes it attractive for income-focused investors.
Old Second Bancorp, Inc. (OSBC) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.
Industry Metrics
Old Second Bancorp, Inc. (OSBC) has a net interest margin (NIM) of 4.2%. This indicates healthy earnings from lending activities.
Old Second Bancorp, Inc. (OSBC) has an efficiency ratio of 50.2%. This is excellent, indicating strong cost control.