Old Second Bancorp, Inc.

Old Second Bancorp, Inc.

OSBC
Old Second Bancorp, Inc.US flagNASDAQ Global Select
20.92
USD
-0.44
- -
1.08BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.1
3.29
2.98
3.07
3.51
4.05
4.37
4.29
4.42
5.5
6.29
6.24
6.82
6.97
Basic EPS, GAAP
5.51
0.41
0.46
0.53
0.51
1.14
1.32
0.94
0.66
1.51
2.05
1.9
1.64
1.7
Free Cash Flow per Basic Share
2.4
-0.29
0.67
0.86
1.22
1.78
1.61
0.74
0.96
2.09
2.33
2.69
2.41
2.72
Dividend per Share
- -
0.48
0.08
0.03
0.04
0.04
0.04
0.04
0.15
0.2
0.2
0.21
0.25
0.26
Book Value per Share
7.99
5.24
5.04
5.54
6
7.07
8.32
9.17
9.82
7.98
9.81
11.47
12.08
12.07
Tangible Book Value per Share
4.86
5.49
5.09
5.41
6.23
6.72
8.39
9.52
12.99
7.86
10.51
12.17
15.03
14.43
Basic Weighted Avg Shares
14
26
29
30
30
30
30
30
30
45
45
45
49
51
Sales/Revenue/Turnover
85
85
88
91
104
120
131
127
133
245
281
280
333
354
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
4
2
2
2
3
3
3
4
7
8
9
11
11
Net Income, GAAP
82
10
15
16
15
34
39
28
20
67
92
85
80
86
Effective Tax Rate (%)
- -
36.24
36.85
35.99
55.87
22.59
23.92
25.62
28.07
26.37
26.27
24.52
25.47
25.56
Profit Margin (%)
96.58
11.96
17.49
17.32
14.57
28.27
30.21
21.9
15.02
27.52
32.65
30.46
24.11
24.34
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
104
104
103
102
102
117
109
94
149
139
85
85
100
100
Total Equity
148
194
156
175
200
229
278
307
502
461
577
671
897
893
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
108.09
8.53
9.53
10.05
8.88
17.54
17.2
10.7
7.05
20.68
23.13
17.91
14.54
15.05

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
165
215
200
LT Borrowings
100
100
100
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
53
53
52
Market Capitalization
811
952
1,022

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
939
908
897
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
165
215
200
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.33%
26.08%
33.64%
Free Cash Flow
33.12%
55.5%
-2.47%
Net Income, GAAP
34.12%
46.31%
-5.81%
Sales/Revenue/Turnover
16.12%
24.38%
19.01%
Total Cash Common Dividend
51.41%
83.48%
30.03%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
69
69
70
72
280
2025
72
74
94
94
333
2026
92
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
0.49
0.51
0.43
1.9
2025
0.44
0.48
0.19
0.55
1.64
2026
0.49
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.05
0.05
0.06
0.21
2025
0.06
0.06
0.06
0.07
0.25
2026
0.07
- -
- -
- -
- -

Company Description

APIChat
CEO
James L. Eccher
Full Time Employees
877
Sector
Financial Services
Industry
Banks - Regional
Address
37 South River Street Aurora IL United States of America 60506-4173
IPO Date
Nov 16, 1993
Business
Old Second Bancorp, Inc. functions as the parent company for Old Second National Bank, delivering comprehensive financial solutions to communities. The institution offers a diverse array of deposit accounts, encompassing checking, NOW, money market, savings, and time deposits, alongside individual retirement and health savings options, as well as certificates of deposit. In its lending portfolio, the bank provides various credit facilities such as commercial and industrial loans, lease financing, commercial real estate and construction loans, residential mortgages, including first and second mortgages, home equity lines of credit, and consumer loans for vehicles, home improvements, and other personal needs, in addition to installment and agricultural loans and overdraft protection. Beyond core banking, the company extends trust and wealth management services, covering financial planning, investment advisory, and custodial functions for individual, corporate, and not-for-profit clientele. Digital offerings are robust, featuring online and mobile banking platforms, coupled with sophisticated corporate cash management tools. These include remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax processing, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursement, detailed reporting, foreign and domestic wire transfers, and secure vault services. Additional services provided are safe deposit facilities, money orders, cashier's checks, foreign currency exchange, direct deposit, debit and credit cards, and access to U.S. treasury notes and bonds. The company has expanded its regional presence through strategic initiatives, notably completing its merger with Bancorp Financial, Inc., which included Evergreen Bank Group, by July 2025, with full integration of systems and branding achieved by October 2025. This growth was further augmented by an agreement to acquire five additional Illinois branch locations from First Merchants Corporation, expected to finalize near the end of 2024. Old Second National Bank operates approximately 55 locations across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois, upholding a longstanding commitment to relationship banking and personalized service within the Chicagoland market. Old Second Bancorp, Inc. was established in 1981 and maintains its headquarters in Aurora, Illinois.

Company News

APIChat
  • Old Second Bancorp, Inc. (OSBC) Q1 2026 Earnings Call Transcript

  • Old Second Bancorp, Inc. (NASDAQ:OSBC) Given Consensus Recommendation of “Moderate Buy” by Brokerages

  • Compared to Estimates, Old Second Bancorp (OSBC) Q1 Earnings: A Look at Key Metrics

  • Old Second Bancorp (OSBC) Q1 Earnings Miss Estimates

  • Old Second Bancorp, Inc. Reports First Quarter 2026 Net Income of $25.6 Million, or $0.48 per Diluted Share

  • Old Second Bancorp (OSBC) is a Great Momentum Stock: Should You Buy?

  • Old Second Bancorp (NASDAQ:OSBC) Share Price Crosses Above Two Hundred Day Moving Average – Here’s Why

  • American Century Companies Inc. Acquires 160,429 Shares of Old Second Bancorp, Inc. $OSBC

  • Old Second Bancorp, Inc. (NASDAQ:OSBC) Given Average Rating of “Moderate Buy” by Brokerages

  • Comparing Enterprise Financial Services (NASDAQ:EFSC) & Old Second Bancorp (NASDAQ:OSBC)

  • Insider Selling: Old Second Bancorp (NASDAQ:OSBC) Insider Sells $732,900.00 in Stock

  • Old Second Bancorp (NASDAQ:OSBC) Shares Cross Above Two Hundred Day Moving Average – What’s Next?

  • Old Second Bancorp (NASDAQ:OSBC) Shares Cross Above Two Hundred Day Moving Average – Here’s What Happened

  • Old Second Bancorp, Inc. (OSBC) Q4 2025 Earnings Call Transcript

  • Old Second Bancorp (OSBC) Reports Q4 Earnings: What Key Metrics Have to Say

  • Old Second Bancorp (OSBC) Tops Q4 Earnings Estimates

  • Old Second Bancorp, Inc. Reports Fourth Quarter 2025 Net Income of $28.8 Million, or $0.54 per Diluted Share

  • Gear Up for Old Second Bancorp (OSBC) Q4 Earnings: Wall Street Estimates for Key Metrics

  • Old Second Bancorp Director Sells 12,500 Shares for $250,000

  • Old Second Bancorp (NASDAQ:OSBC) Shares Cross Above 200-Day Moving Average – Here’s What Happened