Old Second Bancorp Inc (OSBC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Old Second Bancorp reported revenue of $339.3M, up 18.9% from $285.5M the year before. Net income was $80.3M (a 23.7% net margin), or $1.62 per diluted share. Net interest income was $293.0M, and the efficiency ratio (noninterest expense / revenue) was 60.1%. Operating activities generated $122.3M of cash, leaving $117.8M of free cash flow. At fiscal year end, Old Second Bancorp held $6.90B in total assets against $6.01B in total liabilities, including $124.0M of cash and equivalents.
Open the full interactive Old Second Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Old Second Bancorp Key Stats
| Share Price | $24.80 |
|---|---|
| Market Cap | $1.29B |
| P/E Ratio | 15.3 |
| Revenue YoY Growth | +18.9% |
| 52-Week Range | $16.49 – $25.91 |
| Shares Outstanding | 51.3 million (basic, 2026 Q2) |
Old Second Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $91.8M | $96.8M | $206.2M | $251.9M | $241.6M | $293.0M |
| Provision for Credit Losses | $10.4M | $4.3M | $6.5M | $16.5M | $12.8M | $27.6M |
| Noninterest Income | $37.5M | $39.2M | $43.1M | $34.2M | $43.8M | $46.4M |
| Noninterest Expense | $81.4M | $103.8M | $151.2M | $145.2M | $159.7M | $204.0M |
| Revenue | $129.2M | $136.0M | $249.3M | $286.1M | $285.5M | $339.3M |
| Pre-Tax Income | $37.4M | $27.9M | $91.5M | $124.4M | $113.0M | $107.8M |
| Income Tax | $9.6M | $7.8M | $24.1M | $32.7M | $27.7M | $27.4M |
| Net Income | $27.8M | $20.0M | $67.4M | $91.7M | $85.3M | $80.3M |
| Diluted EPS | $0.92 | $0.65 | $1.49 | $2.02 | $1.87 | $1.62 |
Old Second Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $95.9M | $95.2M | $93.8M | $96.6M |
| Net Income | $9.9M | $28.8M | $25.6M | $28.2M |
| Diluted EPS | $0.18 | $0.58 | $0.48 | $0.54 |
Old Second Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $329.9M | $752.1M | $115.2M | $100.1M | $99.3M | $124.0M |
| Loans (Net) | $2.00B | $3.38B | $3.82B | — | — | — |
| Total Assets | $3.04B | $6.21B | $5.89B | $5.72B | $5.65B | $6.90B |
| Deposits | $2.54B | $5.47B | $5.11B | $4.57B | $4.77B | $5.60B |
| Total Long-Term Debt | $160.5M | $198.9M | $260.8M | $516.6M | $141.9M | $338.9M |
| Total Liabilities | $2.73B | $5.71B | $5.43B | $5.15B | $4.98B | $6.01B |
| Shareholders' Equity | $307.1M | $502.0M | $461.1M | $577.3M | $671.0M | $896.8M |
Old Second Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $26.0M | $31.0M | $97.3M | $116.4M | $131.5M | $122.3M |
| Cash From Investing | -$103.8M | $132.9M | -$432.8M | $161.6M | $322.7M | $159.8M |
| Cash From Financing | $357.1M | $258.2M | -$301.5M | -$293.0M | -$455.1M | -$257.4M |
| Free Cash Flow | $22.1M | $29.0M | $93.0M | $104.0M | $120.7M | $117.8M |
Figures from Old Second Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Old Second Bancorp financials page for every line item.
Old Second Bancorp Company Profile
| Ticker | OSBC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Aurora, Illinois |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000357173 |
Frequently Asked Questions
What was Old Second Bancorp's revenue in fiscal 2025?
Old Second Bancorp (OSBC) reported revenue of $339.3M for fiscal 2025.
What is Old Second Bancorp's annual revenue history?
Old Second Bancorp's annual revenue by fiscal year: 2020: $129.2M; 2021: $136.0M; 2022: $249.3M; 2023: $286.1M; 2024: $285.5M; 2025: $339.3M.
What was Old Second Bancorp's net income in fiscal 2025?
Old Second Bancorp reported net income of $80.3M for fiscal 2025.
What was Old Second Bancorp's earnings per share (EPS) in fiscal 2025?
Old Second Bancorp's diluted EPS was $1.62 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Old Second Bancorp generate in fiscal 2025?
Old Second Bancorp generated $117.8M of free cash flow in fiscal 2025.
What was Old Second Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Old Second Bancorp reported revenue of $96.6M.
How much debt does Old Second Bancorp have?
Old Second Bancorp reported $338.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Old Second Bancorp are outstanding?
Old Second Bancorp reported a weighted average of 51.3 million basic shares outstanding in 2026 Q2.
What is Old Second Bancorp's market cap?
Based on its latest closing price, Old Second Bancorp (OSBC) has a market capitalization of about $1.29B.
When does Old Second Bancorp's fiscal year end?
Old Second Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Old Second Bancorp headquartered?
Old Second Bancorp lists its business address in Aurora, Illinois in its SEC filings.