Old Second Bancorp, Inc. (OSBC)
NASDAQ: OSBC · Real-Time Price · USD
25.06
+0.34 (1.38%)
Jul 28, 2026, 3:04 PM EDT - Market open
Old Second Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 Income | 86.07 | 80.31 | 85.26 | 91.73 | 67.41 | 20.04 |
Depreciation & Amortization | 7.39 | 6.15 | 5.59 | 4.49 | 4.09 | 3.15 |
Provision for Credit Losses | 34.65 | 27.55 | 12.75 | 16.5 | 6.55 | 4.33 |
Stock-Based Compensation | 5.61 | 5.55 | 3.91 | 3.6 | 2.96 | 1.44 |
Net Change in Loans Held-for-Sale | -1.35 | -3.09 | -1 | -1.38 | 3.15 | 5.9 |
Other Adjustments | 3.82 | 3.17 | 2.67 | 6.94 | -3.96 | 9.69 |
Changes in Accrued Interest and Accounts Receivable | 9.8 | 8.78 | 4.14 | -6.64 | -1.11 | 6.87 |
Changes in Accounts Payable | -5.25 | -10.25 | 13.49 | 6.51 | 6.42 | -11.08 |
Changes in Other Operating Activities | 6.45 | 4.09 | 4.72 | -5.35 | 11.86 | -9.29 |
Operating Cash Flow | 141.37 | 122.26 | 131.53 | 116.4 | 97.34 | 31.05 |
Operating Cash Flow Growth | 38.62% | -7.05% | 13.00% | 19.58% | 213.54% | 19.47% |
Investing Activities
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 Change in Loans Held-for-Investment | -55.89 | -75.84 | 34.71 | -197.57 | -443.9 | 122.1 |
Net Change in Securities and Investments | 35.85 | 213.93 | 44 | 378.37 | 9.18 | -141.38 |
Proceeds from Business Divestments | 10.5 | 10.53 | 237.44 | - | -0.15 | 149 |
Capital Expenditures | -3.67 | -4.51 | -10.79 | -12.38 | -4.33 | -2.03 |
Sale of Property, Plant & Equipment | - | 2.25 | - | 4.54 | 13.35 | - |
Other Investing Activities | 3.5 | 13.46 | 17.34 | -11.41 | -6.92 | 5.24 |
Investing Cash Flow | 112.67 | 159.82 | 322.7 | 161.56 | -432.78 | 132.92 |
Financing Activities
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 Change in Deposits | -519.73 | -404.35 | -69.78 | -538.75 | -353.93 | 235.08 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | 168.97 | 166.61 | -374.81 | 309.31 | 71.82 | -16.64 |
Long-Term Debt Issued | - | - | - | - | - | 59.15 |
Long-Term Debt Repaid | - | - | - | -54 | -10.06 | -4.32 |
Net Long-Term Debt Issued (Repaid) | - | - | - | -54 | -10.06 | 54.83 |
Repurchase of Common Stock | -30.44 | -7.41 | -1.05 | -0.61 | -0.46 | -10.42 |
Net Common Stock Issued (Repurchased) | -30.44 | -7.41 | -1.05 | -0.61 | -0.46 | -10.42 |
Common Dividends Paid | -13.23 | -12.24 | -9.41 | -8.95 | -8.88 | -4.61 |
Financing Cash Flow | -394.43 | -257.39 | -455.05 | -292.99 | -301.5 | 258.24 |
Net Cash Flow
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 Cash Flow | -140.39 | 24.7 | -0.82 | -15.03 | -636.93 | 422.2 |
Free Cash Flow
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 |
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% |
FCF Margin | 42.38% | 37.77% | 44.28% | 38.58% | 38.32% | 21.96% |
Free Cash Flow Per Share | 2.67 | 2.37 | 2.65 | 2.29 | 2.06 | 0.94 |