Old Second Bancorp, Inc.

Old Second Bancorp, Inc.

OSBCยทNASDAQ

$20.70

-3.1%
Financial ServicesBanks - Regional

Old 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.

At a Glance

Live Snapshot
Market Cap$1.06B
EPS1.6400
P/E Ratio12.62
Earnings Date07/22/2026
0.00%
Dividend Yield
-100%
3Y-100.0%
5Y-100.0%
10Y-100.0%
0.00%
Dividend Payout Ratio
-100%
3Y-100.0%
5Y-100.0%
10Y-100.0%
3Y+66.0%
5Y+1159.0%
10Y-
Old Second Bancorp, Inc.

Old Second Bancorp, Inc. Dividend History

OSBC ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

OSBC Dividend Payment History

OSBC ยท NASDAQ

Total Payments

50

Latest Dividend

$0.0700

Annual Amount

$0.2700

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 21, 2026
May 1, 2026May 11, 2026
$0.0700
$0.0700
Quarterly0.00%
Jan 20, 2026
Jan 30, 2026Feb 9, 2026
$0.0700
$0.0700
Quarterly0.00%
Oct 21, 2025
Oct 31, 2025Nov 10, 2025
$0.0700
$0.0700
Quarterly+16.67%
Jul 15, 2025
Jul 25, 2025Aug 4, 2025
$0.0600
$0.0600
Quarterly0.00%
Apr 15, 2025
Apr 25, 2025May 5, 2025
$0.0600
$0.0600
Quarterly0.00%
Jan 21, 2025
Jan 31, 2025Feb 10, 2025
$0.0600
$0.0600
Quarterly0.00%
Oct 15, 2024
Oct 25, 2024Nov 4, 2024
$0.0600
$0.0600
Quarterly+20.00%
Jul 16, 2024
Jul 26, 2024Aug 5, 2024
$0.0500
$0.0500
Quarterly0.00%
Apr 16, 2024
Apr 26, 2024May 6, 2024
$0.0500
$0.0500
Quarterly0.00%
Jan 16, 2024
Jan 26, 2024Feb 5, 2024
$0.0500
$0.0500
Quarterly0.00%
Oct 17, 2023
Oct 27, 2023Nov 6, 2023
$0.0500
$0.0500
Quarterly0.00%
Jul 18, 2023
Jul 28, 2023Aug 7, 2023
$0.0500
$0.0500
Quarterly0.00%
Apr 18, 2023
Apr 28, 2023May 8, 2023
$0.0500
$0.0500
Quarterly0.00%
Jan 17, 2023
Jan 27, 2023Feb 6, 2023
$0.0500
$0.0500
Quarterly0.00%
Oct 18, 2022
Oct 28, 2022Nov 7, 2022
$0.0500
$0.0500
Quarterly0.00%
Jul 19, 2022
Jul 29, 2022Aug 8, 2022
$0.0500
$0.0500
Quarterly0.00%
Apr 19, 2022
Apr 29, 2022May 9, 2022
$0.0500
$0.0500
Quarterly0.00%
Jan 18, 2022
Jan 28, 2022Feb 7, 2022
$0.0500
$0.0500
Quarterly0.00%
Oct 19, 2021
Oct 29, 2021Nov 8, 2021
$0.0500
$0.0500
Quarterly0.00%
Jul 20, 2021
Jul 30, 2021Aug 9, 2021
$0.0500
$0.0500
Quarterly0.00%
Apr 20, 2021
Apr 30, 2021May 10, 2021
$0.0500
$0.0500
Quarterly+400.00%
Jan 19, 2021
Jan 29, 2021Feb 8, 2021
$0.0100
$0.0100
Quarterly0.00%
Oct 19, 2020
Oct 30, 2020Nov 9, 2020
$0.0100
$0.0100
Quarterly0.00%
Jul 21, 2020
Jul 31, 2020Aug 10, 2020
$0.0100
$0.0100
Quarterly0.00%
Apr 21, 2020
May 1, 2020May 11, 2020
$0.0100
$0.0100
Quarterly0.00%
Jan 21, 2020
Jan 31, 2020Feb 10, 2020
$0.0100
$0.0100
Quarterly0.00%
Oct 15, 2019
Oct 25, 2019Nov 4, 2019
$0.0100
$0.0100
Quarterly0.00%
Jul 16, 2019
Jul 26, 2019Aug 5, 2019
$0.0100
$0.0100
Quarterly0.00%
Apr 16, 2019
Apr 26, 2019May 6, 2019
$0.0100
$0.0100
Quarterly0.00%
Jan 15, 2019
Jan 25, 2019Feb 4, 2019
$0.0100
$0.0100
Quarterly0.00%
Oct 16, 2018
Oct 26, 2018Nov 5, 2018
$0.0100
$0.0100
Quarterly0.00%
Jul 17, 2018
Jul 27, 2018Aug 6, 2018
$0.0100
$0.0100
Quarterly0.00%
Apr 17, 2018
Apr 27, 2018May 7, 2018
$0.0100
$0.0100
Quarterly0.00%
Jan 17, 2018
Jan 26, 2018Feb 5, 2018
$0.0100
$0.0100
Quarterly0.00%
Oct 17, 2017
Oct 27, 2017Nov 6, 2017
$0.0100
$0.0100
Quarterly0.00%
Jul 19, 2017
Jul 28, 2017Aug 7, 2017
$0.0100
$0.0100
Quarterly0.00%
Apr 19, 2017
Apr 28, 2017May 8, 2017
$0.0100
$0.0100
Quarterly0.00%
Jan 18, 2017
Jan 27, 2017Feb 6, 2017
$0.0100
$0.0100
Quarterly0.00%
Oct 20, 2016
Oct 28, 2016Nov 7, 2016
$0.0100
$0.0100
Quarterly0.00%
Jul 20, 2016
Jul 29, 2016Aug 9, 2016
$0.0100
$0.0100
Quarterly0.00%
Apr 21, 2016
Apr 29, 2016May 9, 2016
$0.0100
$0.0100
Quarterly0.00%
Jun 16, 2010
Jun 25, 2010Jul 8, 2010
$0.0100
$0.0100
Quarterly0.00%
Mar 17, 2010
Mar 26, 2010Apr 6, 2010
$0.0100
$0.0100
Quarterly0.00%
Dec 16, 2009
Dec 28, 2009Jan 18, 2010
$0.0100
$0.0100
Quarterly0.00%
Sep 18, 2009
Sep 25, 2009Oct 5, 2009
$0.0100
$0.0100
Quarterly-75.00%
Jun 17, 2009
Jun 26, 2009Jul 7, 2009
$0.0400
$0.0400
Quarterly0.00%
Mar 17, 2009
Mar 27, 2009Apr 7, 2009
$0.0400
$0.0400
Quarterly-75.00%
Dec 16, 2008
Dec 26, 2008Jan 6, 2009
$0.1600
$0.1600
Quarterly0.00%
Sep 16, 2008
Sep 26, 2008Oct 6, 2008
$0.1600
$0.1600
Quarterly0.00%
Jun 17, 2008
Jun 27, 2008Jul 8, 2008
$0.1600
$0.1600
Quarterly-
osbc

Old Second Bancorp, Inc. Payout Ratio Analysis

OSBC ยท NASDAQ
Dividends Paid
-12.24M
2025
Net Income
80.31M
2025
Payout Ratio
15.24%
2025

Dividend Sustainability Analysis

Payout Ratio
15.24%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
10.4%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-30.0%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.