$20.70
-3.1%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Outstanding operational efficiency. The company generates substantial profit from core operations.
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
OSBC โข NASDAQ
| Old Second Bancorp, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
397M | 336.2M | 321M | 255.2M | 141.9M | 139.5M | 149.4M | 137M | 116.5M | 100.5M | 97.1M | 95.8M | 98.8M | 110.8M | 120M | 151.6M | 175.7M | 193.2M | 187.6M | 170.7M | |
GROSS PROFIT | ||||||||||||||||||||
(86.8M) | (69M) | (56.5M) | (16.9M) | (12.8M) | (22.9M) | (20.4M) | (17.9M) | (14.4M) | (10.7M) | (4.7M) | (7.7M) | (5.2M) | (22M) | (30.4M) | (117.7M) | (142.2M) | (98.7M) | (88.3M) | (72.1M) | |
310.2M | 267.1M | 264.5M | 238.4M | 129.1M | 116.6M | 129M | 119.1M | 102.1M | 89.8M | 92.4M | 88.1M | 93.5M | 88.7M | 89.6M | 33.9M | 33.5M | 94.5M | 99.3M | 98.7M | |
OPERATING INCOME | ||||||||||||||||||||
(199.4M) | (154.2M) | (140.1M) | (146.8M) | (101.2M) | (79.2M) | (77.1M) | (75.1M) | (67.8M) | (65.3M) | (68M) | (72.2M) | (81.7M) | (88.8M) | (96.1M) | (100.6M) | (144.6M) | (80.3M) | (66.5M) | (65.1M) | |
(129.2M) | (103.1M) | (93.2M) | (90.8M) | (60.2M) | (56.6M) | (54.9M) | (54.2M) | (47.7M) | (44.2M) | (43.4M) | (41.2M) | (44.3M) | (43.7M) | (43.3M) | (45.1M) | (46.2M) | (48M) | (39.7M) | (37.9M) | |
110.8M | 113M | 124.4M | 91.5M | 27.9M | 37.4M | 51.9M | 43.9M | 34.3M | 24.5M | 24.4M | 15.9M | 11.8M | -72K | -6.5M | -66.8M | -111.2M | 14.1M | 32.8M | 33.5M | |
PRE-TAX INCOME | ||||||||||||||||||||
(62.2M) | (56.3M) | (40M) | (10.3M) | (8.5M) | (12.5M) | (18.8M) | (16.7M) | (12.6M) | (9.9M) | (9.1M) | (11M) | (13.8M) | (15.7M) | (21.5M) | (28.1M) | (45.5M) | (68.4M) | (87.1M) | (70.8M) | |
291.8M | 239.4M | 250M | 205.2M | 96.3M | 91.3M | 96.2M | 90.5M | 74.5M | 63.1M | 58.8M | 56.8M | 55M | 59M | 63.7M | 78.4M | 86.9M | 89.4M | 68.6M | 71.2M | |
(70.2M) | (51.1M) | (46.9M) | (56M) | (41M) | (22.6M) | (22.2M) | (21M) | (20.1M) | (21.1M) | (24.7M) | (31M) | (37.4M) | (45.1M) | (52.9M) | (55.5M) | (98.4M) | (32.3M) | (26.8M) | (27.2M) | |
-3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
107.8M | 113M | 124.4M | 91.5M | 27.9M | 37.4M | 51.9M | 43.9M | 34.3M | 24.5M | 24.4M | 15.9M | 11.8M | -72K | -6.5M | -66.8M | -111.2M | 14.1M | 32.8M | 33.5M | |
NET INCOME | ||||||||||||||||||||
(27.4M) | (27.7M) | (32.7M) | (24.1M) | (7.8M) | (9.6M) | (12.4M) | (9.9M) | (19.2M) | (8.8M) | (9M) | (5.8M) | -70.2M | (0.0) | (0.0) | (41.9M) | -45.6M | (2.3M) | (8.8M) | (9.9M) | |
80.3M | 85.3M | 91.7M | 67.4M | 20M | 27.8M | 39.5M | 34M | 15.1M | 15.7M | 15.4M | 10.1M | 82.1M | -72K | -6.5M | -108.6M | -65.6M | 11.8M | 24M | 23.7M |
OSBC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 20, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 19, 2026 | May 19, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 06, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 01, 2026 | April 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 04, 2026 | March 04, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 |
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