Old Second Bancorp, Inc. (OSBC)
NASDAQ: OSBC · Real-Time Price · USD
21.32
+0.02 (0.09%)
May 29, 2026, 4:00 PM EDT - Market closed
Old Second Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Interest Income | 311.2 | 292.96 | 241.64 | 251.93 | 206.16 | 96.72 |
Net Interest Income Growth | 27.15% | 21.24% | -4.09% | 22.20% | 113.16% | 5.41% |
Non-Interest Income | 48.78 | 46.36 | 43.83 | 34.18 | 43.12 | 39.76 |
Non-Interest Income Growth | 12.08% | 5.77% | 28.23% | -20.73% | 8.44% | 6.06% |
Revenues Before Loan Losses | 359.99 | 339.32 | 285.46 | 286.11 | 249.27 | 136.48 |
Provision for Credit Losses | 34.65 | 27.55 | 12.75 | 16.5 | 6.55 | 4.33 |
| 325.34 | 311.77 | 272.71 | 269.61 | 242.72 | 132.15 | |
Revenue Growth (YoY) | 17.61% | 14.32% | 1.15% | 11.08% | 83.67% | 11.21% |
Compensation Expenses | 127.34 | 124.66 | 98.03 | 88.57 | 86.57 | 57.69 |
Selling, General & Admin | 43.27 | 41.28 | 31.7 | 27.17 | 37.82 | 28.46 |
Other Non-Interest Expenses | 39.7 | 38.08 | 30.03 | 29.46 | 26.79 | 17.58 |
Total Non-Interest Expense | 209.73 | 204.02 | 159.75 | 145.2 | 151.17 | 103.78 |
Pretax Income | 115.62 | 107.75 | 112.96 | 124.41 | 91.55 | 27.87 |
Provision for Income Taxes | 29.55 | 27.44 | 27.69 | 32.68 | 24.14 | 7.82 |
Net Income | 86.07 | 80.31 | 85.26 | 91.73 | 67.41 | 20.04 |
Net Income to Common | 86.07 | 80.31 | 85.26 | 91.73 | 67.41 | 20.04 |
Net Income Growth | 2.73% | -5.81% | -7.05% | 36.09% | 236.28% | -27.96% |
Shares Outstanding (Basic) | 51 | 49 | 45 | 45 | 45 | 30 |
Shares Outstanding (Diluted) | 52 | 50 | 46 | 45 | 45 | 31 |
Shares Change (YoY) | 12.79% | 8.83% | 0.54% | 0.40% | 47.09% | 1.87% |
EPS (Basic) | 1.72 | 1.64 | 1.90 | 2.05 | 1.51 | 0.66 |
EPS (Diluted) | 1.68 | 1.62 | 1.87 | 2.02 | 1.49 | 0.65 |
EPS Growth | -8.20% | -13.37% | -7.43% | 35.57% | 129.23% | -29.35% |
Shares Outstanding | 51.67 | 52.67 | 44.87 | 44.7 | 44.58 | 44.46 |
Free Cash Flow | 137.7 | 117.76 | 120.75 | 104.03 | 93.01 | 29.01 |
Free Cash Flow Growth | 16.93% | -2.47% | 16.07% | 11.84% | 220.58% | 31.49% |
Free Cash Flow Per Share | 2.67 | 2.37 | 2.65 | 2.29 | 2.06 | 0.94 |
Dividends Per Share | 0.260 | 0.250 | 0.210 | 0.200 | 0.200 | 0.160 |
Dividend Growth | 4.00% | 19.05% | 5.00% | - | 25.00% | 300.00% |
Profit Margin | 26.45% | 25.76% | 31.27% | 34.02% | 27.77% | 15.17% |
FCF Margin | 42.33% | 37.77% | 44.28% | 38.58% | 38.32% | 21.96% |
EBITDA | 7.39 | 6.15 | 5.59 | 4.49 | 4.09 | 3.15 |
EBITDA Margin | 2.27% | 1.97% | 2.05% | 1.66% | 1.68% | 2.39% |
Effective Tax Rate | 25.56% | 25.47% | 24.52% | 26.27% | 26.37% | 28.07% |