Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	292.96	241.64	251.93	206.16	96.72
Net Interest Income Growth	21.24%	-4.09%	22.20%	113.16%	5.41%
Non-Interest Income	46.36	43.83	34.18	43.12	39.76
Non-Interest Income Growth	5.77%	28.23%	-20.73%	8.44%	6.06%
Revenues Before Loan Losses	339.32	285.46	286.11	249.27	136.48
Provision for Credit Losses	27.55	12.75	16.5	6.55	4.33
Revenue	311.77	272.71	269.61	242.72	132.15
Revenue Growth (YoY)	14.32%	1.15%	11.08%	83.67%	11.21%
Compensation Expenses	124.66	98.03	88.57	86.57	57.69
Selling, General & Admin	41.28	31.7	27.17	37.82	28.46
Other Non-Interest Expenses	38.08	30.03	29.46	26.79	17.58
Total Non-Interest Expense	204.02	159.75	145.2	151.17	103.78
Pretax Income	107.75	112.96	124.41	91.55	27.87
Provision for Income Taxes	27.44	27.69	32.68	24.14	7.82
Net Income	80.31	85.26	91.73	67.41	20.04
Net Income to Common	80.31	85.26	91.73	67.41	20.04
Net Income Growth	-5.81%	-7.05%	36.09%	236.28%	-27.96%
Shares Outstanding (Basic)	49	45	45	45	30
Shares Outstanding (Diluted)	50	46	45	45	31
Shares Change (YoY)	8.83%	0.54%	0.40%	47.09%	1.87%
EPS (Basic)	1.64	1.90	2.05	1.51	0.66
EPS (Diluted)	1.62	1.87	2.02	1.49	0.65
EPS Growth	-13.37%	-7.43%	35.57%	129.23%	-29.35%
Free Cash Flow	117.76	120.75	104.03	93.01	29.01
Free Cash Flow Growth	-2.47%	16.07%	11.84%	220.58%	31.49%
Free Cash Flow Per Share	2.37	2.65	2.29	2.06	0.94
Dividends Per Share	0.250	0.210	0.200	0.200	0.160
Dividend Growth	19.05%	5.00%	-	25.00%	300.00%
Profit Margin	25.76%	31.27%	34.02%	27.77%	15.17%
FCF Margin	37.77%	44.28%	38.58%	38.32%	21.96%
EBITDA	6.15	5.59	4.49	4.09	3.15
EBITDA Margin	1.97%	2.05%	1.66%	1.68%	2.39%
Effective Tax Rate	25.47%	24.52%	26.27%	26.37%	28.07%

Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q