Old Second Bancorp, Inc. (OSBC) Earnings History
Annual and quarterly earnings data from 1993 to 2025
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OSBC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OSBC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 78.1% | 27.9% | 20.2% |
| 2024 | 79.5% | 33.6% | 25.4% |
| 2023 | 82.4% | 38.8% | 28.6% |
| 2022 | 93.4% | 35.9% | 26.4% |
| 2021 | 91.0% | 19.6% | 14.1% |
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Old Second Bancorp, Inc. (OSBC) Earnings Overview
As of May 8, 2026, Old Second Bancorp, Inc. (OSBC) reported trailing twelve-month net income of $80M, reflecting -13.4% year-over-year growth. The company earned $1.50 per diluted share over the past four quarters, with a net profit margin of 20.2%.
Looking at the long-term picture, OSBC's 5-year EPS compound annual growth rate (CAGR) stands at +12.0%, showing solid earnings momentum. The company achieved its highest annual net income of $92M in fiscal 2023.
Old Second Bancorp, Inc. maintains industry-leading profitability with a gross margin of 78.1%, operating margin of 27.9%, and net margin of 20.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MBWM ($89M net income, 23.9% margin), MOFG ($58M net income, -29.3% margin), CFFI ($27M net income, 14.4% margin), OSBC has room to improve margins relative to the peer group. Compare OSBC vs MBWM →
OSBC Earnings vs Peers
Earnings metrics vs comparable public companies
OSBC Historical Earnings Data (1993–2025)
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $80M | -5.8% | $111M | $1.62 | 20.2% | 27.9% |
| 2024 | $85M | -7.0% | $113M | $1.87 | 25.4% | 33.6% |
| 2023 | $92M | +36.1% | $124M | $2.02 | 28.6% | 38.8% |
| 2022 | $67M | +236.3% | $92M | $1.49 | 26.4% | 35.9% |
| 2021 | $20M | -28.0% | $28M | $0.65 | 14.1% | 19.6% |
| 2020 | $28M | -29.5% | $37M | $0.92 | 19.9% | 26.8% |
| 2019 | $39M | +16.0% | $52M | $1.30 | 26.4% | 34.7% |
| 2018 | $34M | +124.7% | $44M | $1.12 | 24.8% | 32.1% |
| 2017 | $15M | -3.5% | $34M | $0.50 | 13.0% | 29.4% |
| 2016 | $16M | +1.9% | $25M | $0.53 | 15.6% | 24.4% |
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Start ComparisonOSBC — Frequently Asked Questions
Quick answers to the most common questions about buying OSBC stock.
Is OSBC growing earnings?
OSBC EPS fell to $1.50, with earnings declining -13.4%. This contrasts with the 5-year CAGR of +12.0%. TTM net income dropped to $80M.
What are OSBC's profit margins?
Old Second Bancorp, Inc. net margin is +20.2%, with operating margin at +27.9%. Above-average margins indicate pricing power.
How consistent are OSBC's earnings?
OSBC earnings data spans 1993-2025. The declining earnings trend is -13.4% YoY. Historical data enables comparison across business cycles.