Old Second Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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
Net Interest Income	330.3	292.96	241.64	251.93	206.16	96.72
Net Interest Income Growth	32.49%	21.24%	-4.09%	22.20%	113.16%	5.41%
Non-Interest Income	50.72	46.36	43.83	34.18	43.12	39.76
Non-Interest Income Growth	17.19%	5.77%	28.23%	-20.73%	8.44%	6.06%
Revenues Before Loan Losses	381.02	339.32	285.46	286.11	249.27	136.48
Provision for Credit Losses	39.65	27.55	12.75	16.5	6.55	4.33
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%
Compensation Expenses	130.5	124.66	98.03	88.57	86.57	57.69
Selling, General & Admin	42.6	41.28	31.7	27.17	37.82	28.46
Other Non-Interest Expenses	37.74	38.08	30.03	29.46	26.79	17.58
Total Non-Interest Expense	217.56	204.02	159.75	145.2	151.17	103.78
Pretax Income	124.24	107.75	112.96	124.41	91.55	27.87
Provision for Income Taxes	31.82	27.44	27.69	32.68	24.14	7.82
Net Income	92.42	80.31	85.26	91.73	67.41	20.04
Net Income to Common	92.42	80.31	85.26	91.73	67.41	20.04
Net Income Growth	10.40%	-5.81%	-7.05%	36.09%	236.28%	-27.96%
Shares Outstanding (Basic)	52	49	45	45	45	30
Shares Outstanding (Diluted)	53	50	46	45	45	31
Shares Change	16.13%	8.83%	0.54%	0.40%	47.09%	1.87%
EPS (Basic)	1.78	1.64	1.90	2.05	1.51	0.66
EPS (Diluted)	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%

Additional Metrics

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
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	0.270	0.250	0.210	0.200	0.200	0.160
Dividend Growth	17.39%	19.05%	5.00%	0%	25.00%	300.00%
Profit Margin	27.07%	25.76%	31.27%	34.02%	27.77%	15.17%
FCF Margin	-	37.77%	44.28%	38.58%	38.32%	21.96%
Effective Tax Rate	25.61%	25.47%	24.52%	26.27%	26.37%	28.07%

SEC Filings: 10-K · 10-Q