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Old second bancorp, inc.OSBC.US Overview

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OSBC Recent Performance

1.63%

Old second bancorp, inc.

1.79%

Avg of Sector

-0.31%

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OSBC Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

OSBC Profile

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.

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This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

OSBC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.52
PE Ratio (TTM)
12.12
Forward PE
9.77
PS Ratio (TTM)
3.32
PB Ratio
1.19
Price-to-FCF
13.80
METRIC
VALUE
vs. INDUSTRY
Gross Margin
94.24%
Net Margin
24.04%
Revenue Growth (YoY)
22.49%
Profit Growth (YoY)
15.43%
3-Year Revenue Growth
16.96%
3-Year Profit Growth
10.00%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.52
PE Ratio (TTM)
12.12
Forward PE
9.77
PS Ratio (TTM)
3.32
PB Ratio
1.19
Price-to-FCF
13.80
Gross Margin
94.24%
Net Margin
24.04%
Revenue Growth (YoY)
22.49%
Profit Growth (YoY)
15.43%
3-Year Revenue Growth
16.96%
3-Year Profit Growth
10.00%

  • When is OSBC's latest earnings report released?

    The most recent financial report for Old second bancorp, inc. (OSBC) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OSBC's short-term business performance and financial health. For the latest updates on OSBC's earnings releases, visit this page regularly.

  • Where does OSBC fall in the P/E River chart?

    According to historical valuation range analysis, Old second bancorp, inc. (OSBC)'s current price-to-earnings (P/E) ratio is 8.92, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of OSBC?

    According to the latest financial report, Old second bancorp, inc. (OSBC) reported an Operating Profit of 42.27M with an Operating Margin of 36.93% this period, representing a growth of 66.6% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is OSBC's revenue growth?

    In the latest financial report, Old second bancorp, inc. (OSBC) announced revenue of 114.46M, with a Year-Over-Year growth rate of 64.23%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does OSBC have?

    As of the end of the reporting period, Old second bancorp, inc. (OSBC) had total debt of 338.92M, with a debt ratio of 0.05. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does OSBC have?

    At the end of the period, Old second bancorp, inc. (OSBC) held Total Cash and Cash Equivalents of 124.03M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does OSBC go with three margins increasing?

    In the latest report, Old second bancorp, inc. (OSBC) achieved the “three margins increasing” benchmark, with a gross margin of 83.18%%, operating margin of 36.93%%, and net margin of 25.15%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OSBC's profit trajectory and future growth potential.

  • Is OSBC's EPS continuing to grow?

    According to the past four quarterly reports, Old second bancorp, inc. (OSBC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.55. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of OSBC?

    Old second bancorp, inc. (OSBC)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of OSBC?

    The latest valuation data shows Old second bancorp, inc. (OSBC) has a Price-To-Earnings (PE) ratio of 8.92 and a Price/Earnings-To-Growth (PEG) ratio of 0.05. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.