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Financials · OSBC

Old Second Bancorp Inc. (OSBC) financials

For the twelve months ended Sep 30, 2026, Old Second Bancorp Inc. reported $382.69M of revenue and $111.49M of net income.

Revenue, TTM
$382.69M
Revenue growth, YoY
+20.6%
Net income, TTM
$111.49M
Net income growth, YoY
+57.8%
Net margin
29.1%
Free cash flow, TTM
$171.66M
EPS, diluted, TTM
$2.11
EPS growth, YoY
+39.7%
Cash
$108.10M
Total debt
$490.38M
P/E
10.82
P/S
3.15
Market cap
$1.21B
Annual revenue$339.33M
FY2016FY2025
Annual net income$80.31M
FY2016FY2025
Annual free cash flow$117.76M
FY2016FY2025

OSBC revenue and earnings growth

OSBC revenueQ3 2026$97.12M

Quarter YoY
+1.3%
QoQ
+0.5%
FY YoY
+18.9%
5Y CAGR
+21.3%
10Y CAGR
+14.4%

OSBC revenue was $97.12M in fiscal Q3 2026 (ended Sep 30, 2026), up 1.3% from a year earlier and up 0.5% from the prior quarter. For the full fiscal 2025 it was $339.33M, up 18.9% from fiscal 2024. Compound annual growth was +21.3% over 5 years and +14.4% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

OSBC net incomeQ3 2026$28.94M

Quarter YoY
+193.2%
QoQ
+2.7%
FY YoY
-5.8%
5Y CAGR
+23.6%
10Y CAGR
+18.0%

OSBC net income was $28.94M in fiscal Q3 2026 (ended Sep 30, 2026), up 193.2% from a year earlier and up 2.7% from the prior quarter. For the full fiscal 2025 it was $80.31M, down 5.8% from fiscal 2024. Compound annual growth was +23.6% over 5 years and +18.0% over 10 years. It rose in 5 of the last 10 fiscal years.

OSBC EPSQ3 2026$0.56

Quarter YoY
+211.1%
QoQ
+3.7%
FY YoY
-13.4%

OSBC diluted EPS was $0.56 in fiscal Q3 2026 (ended Sep 30, 2026), up 211.1% from a year earlier and up 3.7% from the prior quarter. For the full fiscal 2025 it was $1.62, down 13.4% from fiscal 2024.

OSBC free cash flowQ3 2026$64.21M

Quarter YoY
+85.0%
QoQ
+130.0%
FY YoY
-2.5%
5Y CAGR
+39.8%
10Y CAGR
+19.5%

OSBC free cash flow was $64.21M in fiscal Q3 2026 (ended Sep 30, 2026), up 85.0% from a year earlier and up 130.0% from the prior quarter. For the full fiscal 2025 it was $117.76M, down 2.5% from fiscal 2024. Compound annual growth was +39.8% over 5 years and +19.5% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$339.33M$285.45M$286.11M$249.27M$135.97M$129.24M$132.56M$122.29M$105.25M$92.02M
Interest expense-$56.27M$40.04M$10.32M$8.45M$12.46M$18.84M$16.68M$12.63M$9.94M
Pre-tax income$107.75M$112.96M$124.41M$91.55M$27.87M$37.41M$51.86M$43.94M$34.30M$24.50M
Income tax$27.44M$27.69M$32.68M$24.14M$7.82M$9.58M$12.40M$9.92M$19.16M$8.82M
Net income$80.31M$85.26M$91.73M$67.41M$20.04M$27.82M$39.45M$34.01M$15.14M$15.68M
EPS, basic$1.64$1.90$2.05$1.51$0.66$0.94$1.32$1.14$0.51$0.53
EPS, diluted$1.62$1.87$2.02$1.49$0.65$0.92$1.30$1.12$0.50$0.53
Diluted shares49.7M45.6M45.4M45.2M30.7M30.2M30.4M30.3M30.0M29.8M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$124.03M$99.33M$100.14M$115.18M$752.11M$329.90M$50.63M$55.23M$55.83M$47.33M
Goodwill$129.20M$93.26M$86.48M$86.48M$86.33M$18.60M----
Total assets$6.90B$5.65B$5.72B$5.89B$6.21B$3.04B$2.64B$2.68B$2.38B$2.25B
Total debt$338.92M$141.90M$516.63M$260.81M$198.88M$160.52M$205.87M$313.36M$246.62M$197.30M
Total liabilities$6.01B$4.98B$5.15B$5.43B$5.71B$2.73B$2.36B$2.45B$2.18B$2.08B
Shareholders' equity$896.77M$671.03M$577.28M$461.14M$502.03M$307.09M$277.86M$229.08M$200.35M$175.21M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$122.26M$131.53M$116.40M$97.34M$31.05M$25.99M$52.64M$54.91M$37.10M$27.26M
Capital expenditures$4.50M$10.79M$12.38M$4.33M$2.03M$3.92M$4.38M$1.90M$1.05M$1.99M
Free cash flow$117.76M$120.75M$104.03M$93.01M$29.01M$22.07M$48.26M$53.01M$36.05M$25.27M
Investing cash flow$159.82M$322.70M$161.56M-$432.78M$132.92M-$103.81M$42.21M-$25.84M-$132.49M-$123.07M
Financing cash flow-$257.39M-$455.05M-$292.99M-$301.50M$258.24M$357.09M-$99.45M-$29.66M$103.88M$102.81M
Dividends paid$12.24M$9.41M$8.95M$8.88M$4.61M$1.19M$1.20M$1.19M$1.18M$888.0K
Share repurchases$7.41M$1.05M$605.0K$455.0K$10.42M$5.92M$666.0K$505.0K$236.0K$254.0K
Stock-based compensation$5.55M$3.91M$3.60M$2.96M$1.44M$2.09M$2.52M$2.26M$1.18M$657.0K
Depreciation and amortization$6.15M$5.59M$4.49M$4.08M$3.15M$2.80M$2.46M$2.42M$2.31M$2.29M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY18.9%-0.2%14.8%83.3%5.2%-2.5%8.4%16.2%14.4%4.1%
Net income growth, YoY-5.8%-7.0%36.1%236.3%-28.0%-29.5%16.0%124.7%-3.5%1.9%
EPS growth, YoY-13.4%-7.4%35.6%--29.3%-29.2%16.1%124.0%-5.7%15.2%
Net margin23.7%29.9%32.1%27.0%14.7%21.5%29.8%27.8%14.4%17.0%
Free cash flow margin34.7%42.3%36.4%37.3%21.3%17.1%36.4%43.3%34.3%27.5%
Return on equity9.0%12.7%15.9%14.6%4.0%9.1%14.2%14.8%7.6%9.0%
Return on assets1.2%1.5%1.6%1.1%0.3%0.9%1.5%1.3%0.6%0.7%
Debt to equity0.380.210.890.570.400.520.741.371.231.13

Source: XBRL data Old Second Bancorp Inc. files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

OSBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
OSBC$382.69M+20.6%$111.49M29.1%$1.21B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

OSBC FAQ

8 questions
  • What is OSBC revenue?
    Old Second Bancorp Inc. (OSBC) reported $382.69M of revenue for the twelve months ended Sep 30, 2026. That is up 20.6% from the year before. Revenue for fiscal 2025 was $339.33M.
  • Is OSBC profitable?
    Yes. Old Second Bancorp Inc. earned $111.49M in net income for the twelve months ended Sep 30, 2026, a net margin of 29.1%.
  • How much cash and debt does OSBC have?
    Old Second Bancorp Inc. reported $108.10M in cash and cash equivalents and $490.38M of debt on its most recent balance sheet in SEC filings.
  • How fast is OSBC revenue growing?
    Old Second Bancorp Inc.'s revenue changed +18.9% in fiscal 2025, to $339.33M. Its compound annual growth rate was +21.3% over 5 years and +14.4% over 10 years.
  • What is OSBC free cash flow?
    Old Second Bancorp Inc. generated $171.66M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $174.59M less capital expenditures.
  • What is OSBC earnings per share?
    Diluted earnings per share were $2.11 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did OSBC last report financial results?
    The latest statements here come from Old Second Bancorp Inc.'s 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this OSBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Old Second Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.