OSBC

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Old Second Bancorp, Inc.

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Key Metrics

Previous Close: $25.04
52-Week Range: $16.65 – $26.06
Market Cap: $1.28B
P/E (TTM): 14.57
EPS (TTM): 1.73
Dividend Yield: 1.12%

Advanced Metrics

Price/Book: 1.42
PEG Ratio: 1.51
Return on Equity: 11.40%
Return on Assets: 1.47%
Gross Margin: 0.00%
Operating Margin: 44.69%
Profit Margin: 27.07%
Current Ratio: —
Debt/Equity: —
Total Debt: $469.15M
Free Cash Flow: —
Revenue Growth: 22.70%
Earnings Growth: 12.50%
Enterprise Value: $1.60B

OSBC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$244.92M	$280.99M	$279.90M	$333.10M
Selling, General & Admin	$90.78M	$93.20M	$103.08M	$130.29M
Pretax Income	$91.55M	$124.41M	$112.96M	$107.75M
Income Tax	$24.14M	$32.68M	$27.69M	$27.44M
Net Income	$67.41M	$91.73M	$85.26M	$80.31M
Diluted EPS	1.49	2.02	1.87	1.62
Diluted Shares	45.21M	45.40M	45.64M	49.67M

OSBC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$115.18M	$100.14M	$99.33M	$124.03M
Receivables	$274.52M	$395.27M	$489.61M	$545.89M
Total Assets	$5.89B	$5.72B	$5.65B	$6.90B
Long-Term Debt	$138.66M	$85.16M	$85.24M	$100.15M
Total Debt	$228.66M	$490.15M	$105.24M	$315.15M
Total Liabilities	$5.43B	$5.15B	$4.98B	$6.01B
Retained Earnings	$310.51M	$393.31M	$469.17M	$537.23M
Shareholders' Equity	$461.14M	$577.28M	$671.03M	$896.77M
Net Debt	$113.48M	$390.01M	$5.91M	$191.13M

OSBC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$97.34M	$116.40M	$131.53M	$122.26M
Capital Expenditure	-$4.33M	-$12.38M	-$10.79M	-$4.50M
Free Cash Flow	$93.01M	$104.03M	$120.75M	$117.76M
Depreciation & Amortisation	$6.88M	$7.70M	$9.16M	$11.25M
Stock-Based Compensation	$2.96M	$3.60M	$3.91M	$5.55M
Investing Cash Flow	-$432.78M	$161.56M	$322.70M	$159.82M
Financing Cash Flow	-$301.50M	-$292.99M	-$455.05M	-$257.39M
Dividends Paid	-$8.88M	-$8.95M	-$9.41M	-$12.24M
Share Repurchases	-$455.00K	-$605.00K	-$1.05M	-$7.41M
Net Change in Cash	-$636.93M	-$15.03M	-$816.00K	$24.70M

OSBC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$73.64M	$94.18M	$93.55M	$92.25M	—
Selling, General & Admin	$28.24M	$41.56M	$32.37M	$31.34M	—
Pretax Income	$29.21M	$13.07M	$39.27M	$34.06M	—
Income Tax	$7.39M	$3.20M	$10.48M	$8.48M	—
Net Income	$21.82M	$9.87M	$28.79M	$25.59M	—
Diluted EPS	0.48	0.18	0.54	0.48	0.54
Diluted Shares	45.84M	53.51M	53.48M	53.30M	52.12M

OSBC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$256.12M	$141.77M	$116.53M	$124.03M	$115.73M
Receivables	$503.26M	$522.23M	$547.80M	$545.89M	$536.79M
Total Assets	$5.73B	$5.70B	$6.99B	$6.90B	$6.85B
Long-Term Debt	$85.26M	$85.28M	$100.12M	$100.15M	$100.19M
Total Debt	$85.26M	$85.28M	$265.12M	$315.15M	$300.19M
Total Liabilities	$5.03B	$4.98B	$6.13B	$6.01B	$5.96B
Retained Earnings	$486.30M	$505.42M	$512.13M	$537.23M	$559.13M
Shareholders' Equity	$694.49M	$718.65M	$866.68M	$896.77M	$893.30M
Net Debt	—	—	$148.59M	$191.13M	$184.46M

OSBC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$17.84M	$24.25M	$35.94M	$44.24M	$36.94M
Capital Expenditure	-$1.61M	-$789.00K	-$1.23M	-$881.00K	-$769.00K
Free Cash Flow	$16.23M	$23.46M	$34.72M	$43.36M	$36.17M
Depreciation & Amortisation	$2.71M	$2.72M	$3.42M	$2.41M	$2.36M
Stock-Based Compensation	$1.38M	$1.15M	$1.56M	$1.46M	$1.44M
Investing Cash Flow	$76.74M	-$90.16M	$91.79M	$81.46M	$29.59M
Financing Cash Flow	$62.22M	-$48.44M	-$152.97M	-$118.20M	-$74.82M
Dividends Paid	-$2.69M	-$2.70M	-$3.15M	-$3.69M	-$3.69M
Share Repurchases	-$1.43M	-$62.00K	-$5.88M	-$36.00K	-$24.45M
Net Change in Cash	$156.79M	-$114.35M	-$25.24M	$7.50M	-$8.30M

Market Snapshot

About

Old Second Bancorp, Inc. is an Illinois-based community bank holding company providing commercial and consumer banking, wealth management, trust services, and mortgage lending through Old Second National Bank.