NASDAQ · Financial Statements

Old Second Bancorp, Inc. (OSBC) Financial Statements

$24.43 NASDAQ: OSBC Market Cap $1.24B

Old Second Bancorp, Inc. most recently reported annual revenue of $397.0M, net profit of $80.0M. Revenue grew at an average annual rate of 23.2% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Old Second Bancorp, Inc.: Revenue rose from $100.0M in 2016 to $397.0M in 2025, a change of +297.0% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 24.4% to 27.9%, a shift of +3.5 percentage points; the most recent year shows net profit of $80.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$100.0M$117.0M$137.0M$149.0M$140.0M$142.0M$255.0M$321.0M$336.0M$397.0M
Operating Expenses$76.0M$82.0M$93.0M$98.0M$102.0M$114.0M$164.0M$197.0M$223.0M$286.0M
Operating Profit$25.0M$34.0M$44.0M$52.0M$37.0M$28.0M$92.0M$124.0M$113.0M$111.0M
Operating Margin24.4%29.4%32.1%34.7%26.8%19.6%35.9%38.8%33.6%27.9%
Other Income$0$0$0$0$0$0$0$0$0$-3.0M
Interest$10.0M$13.0M$17.0M$19.0M$12.0M$8.0M$10.0M$40.0M$56.0M$62.0M
Depreciation$2.0M$2.0M$3.0M$3.0M$3.0M$4.0M$7.0M$8.0M$9.0M$10.0M
Profit Before Tax$25.0M$34.0M$44.0M$52.0M$37.0M$28.0M$92.0M$124.0M$113.0M$108.0M
Tax$36.0M$55.9M$22.6M$23.9M$25.6M$28.1M$26.4M$26.3M$24.5M$25.5M
Net Profit$16.0M$15.0M$34.0M$39.0M$28.0M$20.0M$67.0M$92.0M$85.0M$80.0M
EPS$0.53$0.50$1.12$1.30$0.92$0.65$1.49$2.02$1.87$1.62
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$83.0M$81.0M$83.0M$83.0M$85.0M$85.0M$82.0M$85.0M$115.0M$114.0M$111.0M$89.0M
Operating Expenses$50.0M$56.0M$54.0M$54.0M$55.0M$60.0M$56.0M$55.0M$102.0M$72.0M$77.0M$51.0M
Operating Profit$32.0M$25.0M$29.0M$29.0M$30.0M$25.0M$26.0M$29.0M$13.0M$42.0M$34.0M$38.0M
Operating Margin39.3%30.8%34.6%35.2%35.0%29.7%31.8%34.5%11.3%36.9%30.6%42.6%
Interest$11.0M$12.0M$14.0M$14.0M$15.0M$14.0M$11.0M$11.0M$21.0M$19.0M$17.0M$18.0M
Profit Before Tax$32.0M$25.0M$29.0M$29.0M$30.0M$25.0M$26.0M$29.0M$13.0M$39.0M$34.0M$38.0M
Tax$25.1M$26.9M$25.3M$25.0M$23.1M$24.7M$24.3M$25.3M$24.5M$26.7M$24.9M$25.5M
Net Profit$24.0M$18.0M$21.0M$22.0M$23.0M$19.0M$20.0M$22.0M$10.0M$29.0M$26.0M$28.0M
EPS$0.54$0.40$0.47$0.48$0.50$0.42$0.43$0.48$0.18$0.54$0.48$0.54

Over the 10 years reported for Old Second Bancorp, Inc., borrowings increased from $197.0M in 2016 to $339.0M in 2025, cash stood at $124.0M in the latest year, shareholders' equity was $53.0M, current assets covered current liabilities 0.10 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$2.3B$2.4B$2.7B$2.6B$3.0B$6.2B$5.9B$5.7B$5.6B$6.9B
Current Assets$635.0M$666.0M$675.0M$655.0M$964.0M$2.6B$1.9B$1.7B$1.8B$196.0M
Cash$47.0M$56.0M$55.0M$51.0M$330.0M$752.0M$115.0M$100.0M$99.0M$124.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$55.0M$68.0M$79.0M$120.0M$138.0M$173.0M$275.0M$395.0M$490.0M$0
Fixed Assets$39.0M$38.0M$42.0M$44.0M$45.0M$88.0M$72.0M$79.0M$87.0M$87.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$1.9B$2.1B$2.3B$2.3B$2.4B$4.9B$5.1B$4.8B$4.6B$1.2B
Other Assets$9.0M$9.0M$22.0M$21.0M$19.0M$86.0M$86.0M$86.0M$93.0M$129.0M
Total Liabilities$2.1B$2.2B$2.4B$2.4B$2.7B$5.7B$5.4B$5.1B$5.0B$6.0B
Current Liabilities$2.0B$2.1B$2.3B$2.2B$2.6B$5.5B$5.2B$5.0B$4.8B$2.0B
Borrowings$197.0M$247.0M$313.0M$206.0M$161.0M$199.0M$261.0M$517.0M$142.0M$339.0M
Other Liabilities$1.9B$1.9B$2.1B$2.2B$2.6B$5.5B$5.2B$4.6B$4.8B$5.7B
Equity$35.0M$35.0M$35.0M$35.0M$35.0M$45.0M$45.0M$45.0M$45.0M$53.0M
Reserves$175.0M$200.0M$229.0M$278.0M$307.0M$502.0M$461.0M$577.0M$671.0M$897.0M

For Old Second Bancorp, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $118.0M; free cash flow was positive in 10 of 10 years; financing activities used $412.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$27.0M$37.0M$55.0M$53.0M$26.0M$31.0M$97.0M$116.0M$132.0M$122.0M
Investing Cash Flow$-125.0M$-134.0M$-28.0M$38.0M$-108.0M$131.0M$-437.0M$149.0M$312.0M$155.0M
Financing Cash Flow$50.0M$60.0M$-44.0M$12.0M$423.0M$208.0M$-373.0M$-545.0M$-61.0M$-412.0M
Net Cash Flow$7.0M$8.0M$-1.0M$-5.0M$279.0M$422.0M$-637.0M$-15.0M$-1.0M$25.0M
Free Cash Flow$25.0M$36.0M$53.0M$48.0M$22.0M$29.0M$93.0M$104.0M$121.0M$118.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-3.20
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y28.20%
Return 3Y56.06%
Return 5Y99.52%

Old Second Bancorp, Inc. (OSBC) financials — frequently asked questions

What is Old Second Bancorp, Inc.'s annual revenue?

Old Second Bancorp, Inc. (OSBC) reported annual revenue of $397.0M in its most recent fiscal year.

What is Old Second Bancorp, Inc.'s net profit?

Old Second Bancorp, Inc. (OSBC) reported net profit of $80.0M in its most recent fiscal year.

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