Old Second Bancorp, Inc. (OSBC)

NASDAQ: OSBC · Real-Time Price · USD

25.05

+0.33 (1.33%)

Jul 28, 2026, 3:04 PM EDT - Market open

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	Jun '26 Jun 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	341.36	311.77	272.71	269.61	242.72	132.15
Revenue Growth	20.97%	14.32%	1.15%	11.08%	83.67%	11.21%
Net Income	92.42	80.31	85.26	91.73	67.41	20.04
Earnings Per Share	1.74	1.62	1.87	2.02	1.49	0.65
EPS Growth	-4.92%	-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	Jun '26 Jun 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 & Equivalents	143.33	124.03	99.33	100.15	115.18	752.11
Total Debt	70.42	100.15	85.24	85.16	138.66	148.54
Net Cash (Debt)	-70.42	-100.15	-85.24	-85.16	-138.66	-148.54
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1.33	-2.02	-1.87	-1.88	-3.07	-4.83

Cash Flow & CapEx

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
Operating Cash Flow	141.37	122.26	131.53	116.4	97.34	31.05
Capital Expenditures	-3.67	-4.51	-10.79	-12.38	-4.33	-2.03
Free Cash Flow	137.7	117.76	120.75	104.03	93.01	29.01
Free Cash Flow Growth	48.20%	-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	Jun '26 Jun 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
Pretax Margin	36.40%	34.56%	41.42%	46.14%	37.72%	21.09%
Profit Margin	27.07%	25.76%	31.27%	34.02%	27.77%	15.17%
FCF Margin	0.00%	37.77%	44.28%	38.58%	38.32%	21.96%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 28, 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	0.280	0.250	0.210	0.200	0.200	0.160
Dividend Per Share Growth	16.67%	19.05%	5.00%	0%	25.00%	300.00%
Dividend Yield	1.12%	1.28%	1.18%	1.30%	1.24%	1.21%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 28, 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	14.38	12.04	9.51	7.64	10.77	19.37
Forward PE	10.78	9.13	9.59	7.63	8.22	12.69
P/FCF Ratio	9.14	8.72	6.61	6.63	7.69	19.29
PS Ratio	3.69	3.29	2.93	2.56	2.95	4.24