Old Second Bancorp, Inc. (OSBC) Earnings History
Growth Compounder33 years of earnings data (1993–2025) · Consistent double-digit EPS growth over 5 years
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Old Second Bancorp, Inc. (OSBC) Earnings Overview
As of June 23, 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% |
| 2015 | $15M | +51.8% | $24M | $0.46 | 15.9% | 25.1% |
| 2014 | $10M | -87.7% | $16M | $0.46 | 10.6% | 16.6% |
| 2013 | $82M | +114106.9% | $12M | $5.45 | 83.1% | 12.0% |
| 2012 | $-72,000 | +98.9% | $-72,000 | $-0.36 | -0.1% | -0.1% |
| 2011 | -$6M | +94.0% | -$6M | $-0.79 | -5.4% | -5.4% |
| 2010 | -$109M | -65.7% | -$67M | $-8.03 | -71.7% | -44.1% |
| 2009 | -$66M | -654.7% | -$111M | $-4.60 | -37.3% | -63.3% |
| 2008 | $12M | -50.7% | $14M | $0.86 | 6.1% | 7.3% |
| 2007 | $24M | +1.3% | $33M | $1.89 | 12.8% | 17.5% |
| 2006 | $24M | -14.5% | $34M | $1.75 | 13.9% | 19.6% |
| 2005 | $28M | +5.3% | $41M | $2.03 | 18.7% | 27.8% |
| 2004 | $26M | +18.9% | $40M | $1.94 | 21.3% | 32.1% |
| 2003 | $22M | +9.7% | $34M | $1.56 | 18.9% | 29.2% |
| 2002 | $20M | +17.0% | $31M | $1.35 | 18.2% | 27.9% |
| 2001 | $17M | +27.9% | $26M | $1.11 | 16.1% | 24.7% |
| 2000 | $13M | +8.6% | $19M | $0.86 | 14.4% | 20.7% |
| 1999 | $12M | +12.8% | $18M | $0.77 | 14.5% | 21.3% |
| 1998 | $11M | +14.6% | $16M | $0.34 | 12.4% | 18.1% |
| 1997 | $10M | +15.7% | $14M | $0.11 | 12.1% | 17.2% |
| 1996 | $8M | -5.7% | $12M | $0.10 | 11.3% | 16.1% |
| 1995 | $9M | +20.5% | $12M | $0.56 | 14.8% | 20.4% |
| 1994 | $7M | +10.6% | $10M | $0.08 | 14.9% | 20.4% |
| 1993 | $7M | - | $8M | $0.07 | 14.1% | 17.7% |
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OSBC — Frequently Asked Questions
Quick answers to the most common questions about buying OSBC stock.
What is OSBC earnings per share (EPS)?
OSBC trailing twelve-month (TTM) diluted EPS is $1.50, reflecting -13.4% year-over-year growth. The 5-year EPS CAGR is +12.0%. Complete EPS history from 1993 to 2025 is available in the table on this page.
What is Old Second Bancorp, Inc.'s net income?
Old Second Bancorp, Inc. (OSBC) trailing twelve-month net income is $80M as of 2025. Earnings declined -13.4% year-over-year. Old Second Bancorp, Inc. has been profitable for 13 consecutive years.
Is OSBC profitable?
Yes, OSBC is profitable with a TTM net income of $80M and a net profit margin of +20.2%. Old Second Bancorp, Inc. has generated profits for 13 consecutive years.
What is OSBC's earnings growth rate?
OSBC compound annual EPS growth rates (CAGR): 1-Year: -13.4%, 3-Year: +2.8%, 5-Year: +12.0%, 10-Year: +13.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1993 to 2025.
What are OSBC's profit margins?
Old Second Bancorp, Inc. net profit margin is +20.2%, operating margin is +27.9%, and gross margin is +78.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.2%.
Is OSBC growing earnings?
OSBC earnings are declining — EPS fell -13.4% year-over-year. TTM net income dropped to $80M. This contrasts with the 5-year CAGR of +12.0%.
What was OSBC's best earnings year?
Old Second Bancorp, Inc.'s highest annual net income on record is $92M, achieved in fiscal year 2023. Earnings history on this page spans 1993 to 2025 and includes all annual and quarterly figures.
What were OSBC's earnings last quarter?
OSBC's most recent reported quarter was Q4 2025. Net income was $29M with diluted EPS of $0.54. For a full breakdown of all quarters, see the quarterly earnings table on this page.