Old Second Bancorp, Inc. (OSBC)

NASDAQ: OSBC · Real-Time Price · USD

24.40

+0.05 (0.21%)

Nov 6, 2026, 4:00 PM EST - Market closed

Old Second Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Revenue	355.51	311.34	271.8	269.61	242.72	131.65
Revenue Growth	22.90%	14.55%	0.81%	11.08%	84.37%	10.85%
Net Income	111.49	80.31	85.26	91.73	67.41	20.04
Earnings Per Share	2.13	1.62	1.87	2.02	1.49	0.65
EPS Growth	43.89%	-13.37%	-7.43%	35.57%	129.23%	-29.35%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Cash & Investments	115.11	128.38	104.91	105.53	121.77	756.11
Total Debt	492.43	352.77	157.55	536.53	273.08	205.69
Net Cash (Debt)	-377.32	-224.4	-52.64	-431	-151.31	550.42
Net Cash Growth	-	-	-	-	-	230.68%
Net Cash Per Share	-7.18	-4.52	-1.15	-9.49	-3.35	17.91

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Operating Cash Flow	174.59	122.26	131.53	116.4	97.34	31.05
Capital Expenditures	-2.93	-4.51	-10.79	-12.38	-4.33	-2.03
Free Cash Flow	171.66	117.76	120.75	104.03	93.01	29.01
Free Cash Flow Growth	78.35%	-2.47%	16.07%	11.84%	220.58%	31.49%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Profit Margin	31.36%	25.80%	31.37%	34.02%	27.77%	15.22%
FCF Margin	48.28%	37.82%	44.42%	38.58%	38.32%	22.04%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 7, 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
Dividend Per Share	0.320	0.250	0.210	0.200	0.200	0.160
Dividend Per Share Growth	16.00%	19.05%	5.00%	0%	25.00%	300.00%
Dividend Yield	1.31%	1.28%	1.18%	1.29%	1.25%	1.97%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 7, 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
PE Ratio	11.48	12.79	9.35	7.52	10.61	18.03
Forward PE	10.51	9.13	9.59	7.63	8.22	12.69
P/FCF Ratio	7.03	8.72	6.61	6.63	7.69	12.46
PS Ratio	3.39	3.30	2.93	2.56	2.95	2.75