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
3Y+26.0%
5Y+370.0%
10Y+349.0%
3Y-137.0%
5Y-254.0%
10Y-230.0%
3Y-15.0%
5Y-172.0%
10Y-350.0%
OSBC

Old Second Bancorp, Inc. Cash Conversion Engine

OSBC ยท NASDAQ
Net Income80.31M
Depreciation & Amortization11.25M
Stock-Based Compensation5.55M
Change in Working Capital-342.00K
Others23.90M
Capital Expenditures-4.50M
Free Cash Flow117.76M

Cash Flow Quality Analysis

FCF Conversion Rate

146.6%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

3.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-2.5%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$342.00K

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Old Second Bancorp, Inc. Cash Flow Statement

OSBC โ€ข NASDAQ

Old Second Bancorp, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
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
11.3M
9.2M
7.7M
6.9M
3.8M
3.3M
3M
2.8M
2.4M
2.3M
2.4M
3.7M
4.9M
4.5M
4.9M
5.8M
6.7M
7.2M
6.6M
7.5M
1.6M
-1.4M
1.9M
969K
6.5M
-646K
6.4M
9.8M
21.6M
8.4M
8.8M
5.6M
-70.4M
0.0
0.0
47.9M
-35.5M
-7.4M
-664K
-459K
5.6M
3.9M
3.6M
3M
1.4M
2.1M
2.5M
2.3M
1.2M
657K
613K
295K
-445K
291K
951K
1.1M
1M
908K
0.0
0.0
23.9M
14.6M
18.6M
2.5M
14.2M
4.6M
585K
2.7M
3.7M
298K
2.1M
-4M
3.2M
22.9M
21.2M
106.2M
164.8M
22.3M
-3.2M
-2M
(20.7M)
(23M)
(35.7M)
(11.2M)
(10.6M)
(7.9M)
(4.4M)
(20K)
(430K)
(211K)
(118K)
(40K)
(266K)
(0.0)
(0.0)
(15.1M)
(2.3M)
(13.7M)
(0.0)
(0.0)
-342K
20M
-7.1M
16.6M
-14.9M
-11.2M
644K
3.3M
-6.9M
-109K
-8.1M
-21.9M
15.9M
15.7M
8.7M
16.8M
-40.7M
6.9M
-12.8M
9.5M
122.3M
131.5M
116.4M
97.3M
31M
26M
52.6M
54.9M
37.1M
27.3M
21.1M
-6.3M
35.3M
43.3M
29.3M
69.2M
30.7M
41.7M
13.9M
38.2M
INVESTING ACTIVITIES
-4.5M
-10.8M
-12.4M
-4.3M
-2M
-3.9M
-4.4M
-1.9M
-1.1M
-2M
-1.3M
-1.1M
-1.8M
-1M
-800K
-927K
-1.1M
-6.1M
-6.5M
-9.9M
(10.5M)
(237.4M)
(0.0)
-146K
(149M)
(0.0)
(0.0)
-35.7M
(0.0)
-181.4M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-38.8M
(0.0)
(0.0)
-191.6M
-265.5M
-13.4M
-301.6M
-886.1M
-65.2M
-159.5M
-75M
-343.5M
-210.7M
-196.1M
-336.2M
-630.4M
-571.2M
-242.2M
-161.4M
-208.8M
-126.8M
-294.6M
-170.7M
405.5M
309.5M
391.8M
310.8M
744.7M
66.1M
233.1M
135.3M
349.9M
388.1M
129.7M
322.2M
575.8M
303.5M
82.3M
258.3M
388.9M
317.3M
214.3M
169.1M
-60.1M
52M
-204.4M
-437.5M
127.3M
-100.7M
-26.9M
-48.5M
-137.8M
-117.1M
35.5M
-51M
66M
209.6M
256.6M
222M
105.1M
-117.4M
-127.8M
-60.3M
(159.8M)
(322.7M)
(161.6M)
-432.8M
(132.9M)
-103.8M
(42.2M)
-25.8M
-132.5M
-123.1M
-32.2M
-66.1M
(9.6M)
-59.1M
(95.9M)
(317.9M)
(284.1M)
(28.1M)
-214.6M
-71.7M
FINANCING ACTIVITIES
-7.4M
-1M
-605K
-455K
-10.4M
-5.9M
-666K
-505K
-236K
-254K
-117K
64.3M
-278K
-63K
-49K
-40K
-5K
-41K
-30.8M
-12.6M
166.6M
-385M
261M
79.9M
54.8M
-64.4M
-109.8M
15.6M
45M
53.5M
-30M
40M
-95M
100M
-4.1M
-50.9M
-137.1M
127.7M
163.8M
-50.9M
-12.2M
-9.4M
-8.9M
-8.9M
-4.6M
-1.2M
-1.2M
-1.2M
-1.2M
-888K
-2.4M
-12.4M
(0.0)
(0.0)
(0.0)
-3.2M
-6.5M
-8.3M
-7.3M
-7.2M
-7.4M
-1M
-605K
-455K
-10.4M
-5.9M
-666K
-505K
-236K
-254K
-47.4M
-24.4M
-278K
-63K
-49K
-40K
-5K
-41K
-31.2M
-13.2M
-404.3M
-59.6M
-544.4M
-372.1M
218.4M
428.6M
12.2M
-43.5M
60.3M
50.5M
87.1M
1.4M
-30.4M
-6.6M
-168.9M
-314.1M
-232.9M
-180.8M
51.1M
127.7M
-257.4M
-455.1M
-293M
-301.5M
258.2M
357.1M
-99.5M
-29.7M
103.9M
102.8M
7.2M
69M
-125.7M
93.3M
-173.1M
-368.2M
-308.2M
-61.3M
176.9M
57M
CASH FLOW SUMMARY
24.7M
-816K
-15M
-636.9M
422.2M
279.3M
-4.6M
-598K
8.5M
7M
-3.9M
-3.5M
-80.8M
77.6M
-47.8M
19M
6.6M
8.5M
-23.8M
23.4M
99.3M
100.1M
115.2M
752.1M
329.9M
50.6M
55.2M
55.8M
47.3M
40.3M
44.2M
47.7M
128.5M
50.9M
98.8M
79.8M
73.2M
64.7M
88.5M
65.1M
124M
99.3M
100.1M
115.2M
752.1M
329.9M
50.6M
55.2M
55.8M
47.3M
40.3M
44.2M
47.7M
128.5M
50.9M
98.8M
79.8M
73.2M
64.7M
88.5M
117.8M
120.7M
104M
93M
29M
22.1M
48.3M
53M
36.1M
25.3M
19.9M
-7.4M
33.5M
42.3M
28.5M
68.3M
29.6M
35.6M
7.4M
28.2M

SEC Filings

OSBC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 572 filings