Old Second Bancorp, Inc. (OSBC)
NASDAQ: OSBC · Real-Time Price · USD
19.55
-0.17 (-0.86%)
Mar 6, 2026, 4:00 PM EST - Market closed

Old Second Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
80.3185.2691.7367.4120.04
Depreciation & Amortization
6.155.594.494.093.15
Provision for Credit Losses
27.5512.7516.56.554.33
Stock-Based Compensation
5.553.913.62.961.44
Net Change in Loans Held-for-Sale
-3.09-1-1.383.155.9
Other Adjustments
3.172.676.94-3.969.69
Changes in Accrued Interest and Accounts Receivable
8.784.14-6.64-1.116.87
Changes in Accounts Payable
-10.2513.496.516.42-11.08
Changes in Other Operating Activities
4.094.72-5.3511.86-9.29
Operating Cash Flow
122.26131.53116.497.3431.05
Operating Cash Flow Growth
-7.05%13.00%19.58%213.54%19.47%
Net Change in Loans Held-for-Investment
-75.8434.71-197.57-443.9122.1
Net Change in Securities and Investments
213.9344378.379.18-141.38
Proceeds from Business Divestments
10.53237.44--0.15149
Capital Expenditures
-4.51-10.79-12.38-4.33-2.03
Sale of Property, Plant & Equipment
2.25-4.5413.35-
Other Investing Activities
13.4617.34-11.41-6.925.24
Investing Cash Flow
159.82322.7161.56-432.78132.92
Net Change in Deposits
-404.35-69.78-538.75-353.93235.08
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements
166.61-374.81309.3171.82-16.64
Long-Term Debt Issued
----59.15
Long-Term Debt Repaid
---54-10.06-4.32
Net Long-Term Debt Issued (Repaid)
---54-10.0654.83
Repurchase of Common Stock
-7.41-1.05-0.61-0.46-10.42
Net Common Stock Issued (Repurchased)
-7.41-1.05-0.61-0.46-10.42
Common Dividends Paid
-12.24-9.41-8.95-8.88-4.61
Financing Cash Flow
-257.39-455.05-292.99-301.5258.24
Net Cash Flow
24.7-0.82-15.03-636.93422.2
Free Cash Flow
117.76120.75104.0393.0129.01
Free Cash Flow Growth
-2.47%16.07%11.84%220.58%31.49%
FCF Margin
37.77%44.28%38.58%38.32%21.96%
Free Cash Flow Per Share
2.372.652.292.060.94
Levered Free Cash Flow
84.58102.4124.3674.2662.5
Unlevered Free Cash Flow
4.2717.15-13.3716.91-12.38
Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q