Saturday 17 October 2026 Export OSBC’s income statement to Excel — free account

Old Second Bancorp, Inc.

Old Second Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $401.5 million, up 17.5% from fiscal 2024. In the quarter to June 2026, revenue grew 32.9%, EPS grew 12.2%, free cash flow fell 31.2% and total debt fell 17.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

24.88 0.03 +0.12%

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Market cap: $1.3B
P/E: 14.0×
Fwd P/E: 9.9×
Dividend yield: 1.13%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.00

Total sells 7.30

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	1	—	—	—	—	—
Sell	1	1	1	3	1	—	4	—	—	2	5	—

Insider Ownership 6.44%

Capital & Financial Ratios $m

Market Cap 1,260.00

Revenue 457.07

Net Income 92.42

Free Cash Flow 126.66

Net Debt (72.91)

Current Ratio 0.91

Debt/Equity 0.08

P/E ratio 13.98

Fwd P/E 9.94

P/S ratio 2.79

P/B ratio 1.41

Past 5Y EPS Growth 11.98%

This Y EPS Growth 35.70%

Next Y EPS Growth 11.14%

Next Y revenue growth (16.55%)

Next 5Y EPS Growth 17.13%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 61.41%

10-year low 10-year high

P/S against its own 10 years 64.17%

10-year low 10-year high

P/B against its own 10 years 65.79%

10-year low 10-year high

Dividends

Payout Ratio 0.16

Annual Dividend Rate 0.28

Annual Dividend Yield 1.13%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.29	0.07 0.07 0.07
2025	0.25	0.06 0.06 0.06 0.07
2024	0.21	0.05 0.05 0.05 0.06
2023	0.20	0.05 0.05 0.05 0.05
2022	0.20	0.05 0.05 0.05 0.05
2021	0.16	0.01 0.05 0.05 0.05
2020	0.04	0.01 0.01 0.01 0.01
2019	0.04	0.01 0.01 0.01 0.01
2018	0.04	0.01 0.01 0.01 0.01
2017	0.04	0.01 0.01 0.01 0.01
2016	0.03	0.01 0.01 0.01

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	100	99	124	143
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,100	4,039	5,308	5,321

	2023	2024	2025	Q'26
Payables	4,571	4,769	5,596	5,445
ST’ Debt	—	—	—	—
Other	—	—	—	—
	5,002	4,825	5,835	5,843

Compound Annual Growth %

	10y	5y	3y
Sales	15.21%	23.16%	15.65%
Cash Flow	19.19%	36.30%	7.89%
Earnings	19.51%	23.61%	6.01%
Book Value	19.12%	23.90%	24.82%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	111	114	—	—	—
’25	84	86	117	114	402
’24	84	84	87	87	342
’23	78	82	84	82	326
’22	57	57	70	77	260
’21	37	32	34	41	144
’20	34	36	37	35	142

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	37	29	—	—	—
’25	18	24	36	44	122
’24	47	12	48	24	132
’23	35	(29)	82	29	116
’22	0	27	33	37	97
’21	15	9	26	(20)	31
’20	9	12	(4)	9	26

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	36	29	—	—	—
’25	16	43	17	44	120
’24	44	11	44	22	121
’23	34	(31)	80	25	109
’22	1	32	36	37	106
’21	15	9	26	(21)	29
’20	8	11	(5)	8	22

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.48	0.54	—	—	—
’25	0.43	0.48	0.18	0.54	1.62
’24	0.47	0.48	0.50	0.42	1.87
’23	0.52	0.56	0.54	0.40	2.02
’22	0.27	0.27	0.43	0.52	1.49
’21	0.40	0.30	0.29	(0.26)	0.65
’20	0.01	0.31	0.34	0.27	0.92

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	6.22	9.65	11.32	11.24	5.96	9.75	12.55	10.79	13.00	14.14	Analyst estimates 2026–2028 Powerpack
	High	11.64	14.90	16.30	14.80	13.55	14.45	17.80	17.70	19.37	20.96
People
People	Employees	467	450	518	535	533	891	819	834	850	1,062
	Revenue/emp, $m	0.22	0.26	0.27	0.28	0.27	0.16	0.32	0.39	0.40	0.38
Income, $m
Income, $m	Revenue	102	118	139	151	142	144	260	326	342	402
	Gross margin, %	90.25	89.29	88.00	87.56	91.20	94.15	96.03	87.72	83.53	84.51
	EBT	25	34	44	52	37	28	92	124	113	108
	EBT margin, %	24.03	29.10	31.62	34.25	26.40	19.30	35.27	38.14	33.05	26.83
	Net income	16	15	34	39	28	20	67	92	85	80
	Depreciation	1	3	4	5	5	5	4	7	11	9
Per share, $
Per share, $	Revenue	3.45	3.98	4.67	5.06	4.78	4.78	5.83	7.30	7.62	8.22
	Earnings	0.53	0.51	1.14	1.32	0.94	0.66	1.51	2.05	1.90	1.64
	Cash flow	0.92	1.25	1.85	1.76	0.88	1.03	2.19	2.61	2.93	2.50
	Capex	(0.07)	(0.04)	(0.06)	(0.15)	(0.13)	(0.07)	0.20	(0.18)	(0.24)	(0.05)
	Free cash flow	0.86	1.22	1.78	1.62	0.74	0.96	2.39	2.43	2.69	2.46
	Book value	5.93	6.77	7.71	9.30	10.37	16.62	10.36	12.93	14.97	18.35
	Shares, m	30	30	30	30	30	30	45	45	45	49
Valuation, ×
Valuation, ×	P/E	20.57	25.94	11.40	10.20	10.74	17.25	10.69	7.48	9.36	11.68
	P/S	3.16	3.45	2.78	2.66	2.11	2.63	2.77	2.10	2.33	2.37
	P/B	1.84	2.03	1.69	1.45	0.97	0.76	1.56	1.19	1.19	1.06
	EV/Sales	3.69	3.84	3.23	3.04	0.44	(1.55)	2.86	2.05	2.29	2.31
	EV/FCF	14.89	12.56	8.46	9.54	2.85	(7.69)	6.98	6.17	6.48	7.74
Cash, $m
Cash, $m	Operating cash flow	27	37	55	53	26	31	97	116	132	122
	Capex	(2)	(1)	(2)	(4)	(4)	(2)	9	(8)	(11)	(2)
	Free cash flow	25	36	53	48	22	29	106	109	121	120
Balance, $m
Balance, $m	Working capital	(448)	(408)	(377)	(259)	(261)	(1,383)	(1,297)	(902)	(787)	(527)
	Total debt	102	102	117	109	94	149	139	85	85	100
	Net debt	54	46	62	58	(236)	(604)	23	(15)	(14)	(24)
	Shareholders’ equity	175	200	229	278	307	502	461	577	671	897
Returns, %
Returns, %	ROA	0.72	0.65	1.34	1.49	0.98	0.43	1.11	1.58	1.50	1.28
	ROIC	6.67	8.71	9.43	9.65	33.06	0.00	11.81	13.83	10.75	7.72
	ROE	9.47	8.06	15.84	15.57	9.51	4.95	14.00	17.67	13.66	10.24

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
TMP Tompkins Financial Corporation	$1.4B	7.9×	11.6×	+2.51% (above 0%: growing)	+36.42% (above 0%: growing)	−198.57% (below 0%: shrinking)	73.16%	0.00%	Compare
CTBI Community Trust Bancorp, Inc.	$1.4B	12.5×	11.1×	+6.97% (above 0%: growing)	+18.84% (above 0%: growing)	+217.37% (above 0%: growing)	72.12%	0.00%	Compare
PEBO Peoples Bancorp Inc.	$1.3B	11.0×	11.0×	−3.48% (below 0%: shrinking)	+31.67% (above 0%: growing)	+12.07% (above 0%: growing)	76.44%	0.00%	Compare
FMBH First Mid Bancshares, Inc.	$1.3B	12.3×	10.3×	+22.84% (above 0%: growing)	+7.14% (above 0%: growing)	+290.93% (above 0%: growing)	75.49%	0.00%	Compare
HBT HBT Financial, Inc.	$1.3B	15.2×	11.1×	+37.46% (above 0%: growing)	+26.23% (above 0%: growing)	+36.90% (above 0%: growing)	80.56%	0.00%	Compare
OSBC Old Second Bancorp, Inc.	$1.3B	14.0×	9.9×	+32.87% (above 0%: growing)	+12.24% (above 0%: growing)	−31.22% (below 0%: shrinking)	84.39%	0.00%
PFBC Preferred Bank	$1.2B	9.4×	9.2×	+1.39% (above 0%: growing)	+10.55% (above 0%: growing)	−33.29% (below 0%: shrinking)	58.34%	0.00%	Compare
AMTB Amerant Bancorp Inc.	$1.1B	20.7×	12.7×	−9.98% (below 0%: shrinking)	−1.82% (below 0%: shrinking)	−30.03% (below 0%: shrinking)	65.49%	0.00%	Compare
UVSP Univest Corporation of Pennsylvania	$1.1B	11.8×	11.2×	−0.76% (below 0%: shrinking)	+20.29% (above 0%: growing)	+4.85% (above 0%: growing)	66.82%	0.00%	Compare
Median of peers	$1.3B	12.1×	11.1×	+1.95%	+19.57%	+8.46%	72.64%	0.00%

All 323 Banks Regional stocks →

Old Second Bancorp, Inc. (OSBC) key facts

Concern: Net income was $80.3 million, or $1.64 per share (basic), a net margin of 20.0%.
Strength: Old Second Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $401.5 million, up 17.5% from fiscal 2024.
Old Second Bancorp, Inc. (OSBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OSBC traded at $24.88, a market capitalization of $1.3 billion.
At that price the stock trades at 14.0× trailing-twelve-month earnings and 2.8× sales; its P/E is higher than 61% of its own readings over the past ten years.
Old Second Bancorp, Inc. pays an annual dividend of $0.28 per share, a yield of 1.13%, with a payout ratio of 16.1%.
Return on equity was 10.2% and debt-to-equity 0.08.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.