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Old Second Bancorp, Inc.(OSBC)Earnings, Financials & Key Ratios
OSBC•NASDAQ•Banking & Credit
$23.22
14.3× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOld Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.Show more
- Net Interest Income$292M+21.9%
- Total Revenue$397M+18.1%
- Net Income$80M-5.8%
- Return on Equity10.24%-25.0%
- Net Interest Margin4.23%-0.2%
- Efficiency Ratio50.24%+9.5%
- ROA1.28%-14.7%
- Equity / Assets12.99%+9.4%
- Book Value per Share16.77+14.0%
OSBC Price & Volume
Old Second Bancorp, Inc. (OSBC) stock price & volume — 10-year historical chart
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Scaling Net Interest Income Amid CRE Exposure
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Chicago CRE concentration risk
Key Thesis Takeaways
- Old Second Bancorp is successfully scaling its interest-earning capacity, evidenced by a 30.0% year-over-year growth in net interest income as of 2026Q1.
- While the bank maintains a stable 13% equity-to-assets ratio to support strategic flexibility, investors should monitor the potential for credit volatility stemming from its Chicago-area commercial real estate concentration.
- Management's recent shift toward active capital management, highlighted by $24.5 million in share repurchases in 2026Q1, suggests a balanced approach to growth and shareholder returns.
Verdict Logic
while the bank demonstrates accelerating growth with a 30.0% increase in net interest income, the $19.7 million provision spike in 2025Q3 warrants caution regarding regional CRE concentration risks.
OSBC Growth Metrics
Old Second Bancorp, Inc. (OSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.13%
5 Years23.26%
3 Years15.86%
TTM-
Profit CAGR
10 Years17.97%
5 Years23.61%
3 Years6.01%
TTM2.72%
EPS CAGR
10 Years13.42%
5 Years11.98%
3 Years2.83%
TTM-8.2%
Return on Capital
10 Years11.03%
5 Years11.01%
3 Years12.19%
Last Year3.85%
OSBC Recent Earnings
Old Second Bancorp, Inc. (OSBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.49-5.8%
$0.52
Rev
$94M+0.6%
$93M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.44-17.0%
$0.53
Rev
$95M+15.4%
$82M
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$0.58+9.4%
$0.53
Rev
$95M+0.3%
$95M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.53+105.2%
$0.26
Rev
$94M+13.6%
$83M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.49vs $0.52-5.8% | $94Mvs $93M+0.6% |
| Q1 2026 | Jan 28, 2026 | $0.44vs $0.53-17.0% | $95Mvs $82M+15.4% |
| Q1 2026 | Jan 21, 2026 | $0.58vs $0.53+9.4% | $95Mvs $95M+0.3% |
| Q4 2025 | Oct 22, 2025 | $0.53vs $0.26+105.2% | $94Mvs $83M+13.6% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Old Second Bancorp, Inc. (OSBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $23.22 | $1.19B | 14.33 | 18.09% | 20.23% | 10.24% | 0.99% | |
| $57.93 | $1B | 10.61 | 2.74% | 24.23% | 13.36% | — | |
| $49.31 | $1.02B | -13.93 | -23.13% | 16.66% | 10.02% | — | |
| $80.79 | $262.92M | 9.75 | 11.78% | 14.94% | 11.03% | — | |
| $23.10 | $222.78M | 15.82 | -9.41% | 16.49% | 8% | — | |
| $28.91 | $371.49M | 14.03 | 18.96% | 14.29% | 8.79% | — |
Compare OSBC vs Peers
Old Second Bancorp, Inc. (OSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OSBC SEC Filings & Documents
Old Second Bancorp, Inc. (OSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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OSBC Frequently Asked Questions
Old Second Bancorp, Inc. (OSBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Old Second Bancorp, Inc. growing?
Old Second Bancorp, Inc. (OSBC) grew revenue by 18.1% over the past year. This is strong growth.
Is OSBC profitable?
Yes, Old Second Bancorp, Inc. (OSBC) is profitable, generating $86.1M in net income for fiscal year 2025 (20.2% net margin).
Dividend & Returns
Does OSBC pay dividends?
Yes, Old Second Bancorp, Inc. (OSBC) pays a dividend with a yield of 0.99%. This makes it attractive for income-focused investors.
What is OSBC's return on equity?
Old Second Bancorp, Inc. (OSBC) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.
Industry Metrics
What is Old Second Bancorp, Inc.'s net interest margin?
Old Second Bancorp, Inc. (OSBC) has a net interest margin (NIM) of 4.2%. This indicates healthy earnings from lending activities.
What is Old Second Bancorp, Inc.'s efficiency ratio?
Old Second Bancorp, Inc. (OSBC) has an efficiency ratio of 50.2%. This is excellent, indicating strong cost control.