OLD SECOND BANCORP INC OSBC

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Old Second Bancorp, Inc. is a corporation organized under the laws of the State of Delaware in 1981 that serves as the bank holding company for its wholly-owned subsidiary bank, Old Second National Bank. Old Second National Bank (the "Bank") is a national banking association headquartered in Aurora, Illinois, that operates through 55 banking centers located in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle and Will counties in Illinois.

We conduct a full service community banking and trust business through the Bank and its wholly-owned subsidiaries, as follows:

●Old Second Affordable Housing Fund, L.L.C., which was formed for the purpose of providing down payment assistance for home ownership to qualified individuals;

Last close 24.43 2026-10-23
Market cap $1.24B 2026-06-30 share count
52-week range 17.11 - 26.05

Valuation FY2025 figures against the last close

P/S3.5x
P/E15.1x
P/FCF10.6x
EV/EBITDA—
Dividend yield1.0%
Diluted EPS1.62

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $355.2M$297.9M$292.0M$216.5M$105.2M$104.2M$115.6M$107.6M$87.5M$73.4M
Interest expense $293.0M$241.6M$251.9M$10.3M$8.4M$12.5M$18.8M$16.7M$12.6M$9.9M
Pre-tax income $107.8M$113.0M$124.4M$91.5M$27.9M$37.4M$51.9M$43.9M$34.3M$24.5M
Income tax $27.4M$27.7M$32.7M$24.1M$7.8M$9.6M$12.4M$9.9M$19.2M$8.8M
Net income $80.3M$85.3M$91.7M$67.4M$20.0M$27.8M$39.5M$34.0M$15.1M$15.7M
EPS, basic 1.641.902.051.510.660.941.321.140.510.53
EPS, diluted 1.621.872.021.490.650.921.301.120.500.53
Shares, diluted (wtd. avg.) 49.7M45.6M45.4M45.2M30.7M30.2M30.4M30.3M30.0M29.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $124.0M$99.3M$100.1M$115.2M$752.1M$329.9M$50.6M$55.2M$55.8M$47.3M
Property, plant and equipment $86.6M$87.3M$79.3M$72.4M$88.0M$45.5M$44.4M$42.4M$37.6M$39.0M
Goodwill $129.2M$93.3M$86.5M$86.5M$86.3M$18.6M————
Other intangibles $23.7M$22.0M$11.2M$13.7M$16.3M$2.2M————
Total assets $6.90B$5.65B$5.72B$5.89B$6.21B$3.04B$2.64B$2.68B$2.38B$2.25B
Total liabilities $6.01B$4.98B$5.15B$5.43B$5.71B$2.73B$2.36B$2.45B$2.18B$2.08B
Retained earnings $537.2M$469.2M$393.3M$310.5M$252.0M$236.6M$213.7M$175.5M$143.0M$129.0M
Total equity $896.8M$671.0M$577.3M$461.1M$502.0M$307.1M$277.9M$229.1M$200.3M$175.2M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $122.3M$131.5M$116.4M$97.3M$31.0M$26.0M$52.6M$54.9M$37.1M$27.3M
Depreciation and amortisation $6.1M$5.6M$4.5M$4.1M$3.2M$2.8M$2.5M$2.4M$2.3M$2.3M
Stock-based compensation $5.5M$3.9M$3.6M$3.0M$1.4M$2.1M$2.5M$2.3M$1.2M$657.0K
Capital expenditure $4.5M$10.8M$12.4M$4.3M$2.0M$3.9M$4.4M$1.9M$1.1M$2.0M
Investing cash flow $159.8M$322.7M$161.6M-$432.8M$132.9M-$103.8M$42.2M-$25.8M-$132.5M-$123.1M
Financing cash flow -$257.4M-$455.1M-$293.0M-$301.5M$258.2M$357.1M-$99.5M-$29.7M$103.9M$102.8M
Dividends paid $12.2M$9.4M$8.9M$8.9M$4.6M$1.2M$1.2M$1.2M$1.2M$888.0K
Buybacks $7.4M$1.0M$605.0K$455.0K$10.4M$5.9M$666.0K$505.0K$236.0K$254.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-039829.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 100M 200M 300M 400M Revenue, FY2016: 73.4M Net income, FY2016: 15.7M Revenue, FY2017: 87.5M Net income, FY2017: 15.1M Revenue, FY2018: 107.6M Net income, FY2018: 34M Revenue, FY2019: 115.6M Net income, FY2019: 39.5M Revenue, FY2020: 104.2M Net income, FY2020: 27.8M Revenue, FY2021: 105.2M Net income, FY2021: 20M Revenue, FY2022: 216.5M Net income, FY2022: 67.4M Revenue, FY2023: 292M Net income, FY2023: 91.7M Revenue, FY2024: 297.9M Net income, FY2024: 85.3M Revenue, FY2025: 355.2M Net income, FY2025: 80.3M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $73.4M $87.5M $107.6M $115.6M $104.2M $105.2M $216.5M $292.0M $297.9M $355.2M
Gross profit — — — — — — — — — —
Net income $15.7M $15.1M $34.0M $39.5M $27.8M $20.0M $67.4M $91.7M $85.3M $80.3M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event Item 8.01
  • Other event Item 8.01
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Other event Item 8.01
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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