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+56.0%
5Y+185.0%
10Y+295.0%
3Y+19.0%
5Y+189.0%
10Y+412.0%
3Y+26.0%
5Y+370.0%
10Y+349.0%
Old Second Bancorp, Inc.

Old Second Bancorp, Inc. Profit Bridge

OSBC ยท NASDAQ
Revenue396.97M
Cost of Goods Sold (86.77M)
Gross Profit310.20M
Operating Expenses (199.44M)
Operating Income110.75M
Interest Expense (62.22M)
Other Income/Expense-3.00M
Pretax Income107.75M
Income Tax (27.44M)
Net Income80.31M
Net Income
80.31M

Profitability Analysis

Gross Margin

78.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

27.9%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

20.2%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

25.5%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Old Second Bancorp, Inc. Income Statement

OSBC โ€ข NASDAQ

Old Second Bancorp, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

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