20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Old Second Bancorp Inc (OSBC) operates in the BANKS - REGIONAL industry and is headquartered in Aurora, United States with about 1,062 employees. Its market capitalization is roughly $1 billion. In the fiscal year ended 2025-12-31, OSBC reported $397M in revenue and $80M in net income.
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $430M | $397M | $336M | $321M | $255M | $142M | $140M | $149M | $137M | $117M | $100M | $97M | $96M | $99M | $111M | $120M | $152M | $176M | $193M | $188M | $171M |
| Gross Profit | $343M | $310M | $267M | $264M | $238M | $129M | $117M | $129M | $119M | $102M | $90M | $92M | $88M | $94M | $89M | $90M | $34M | $33M | $94M | $99M | $99M |
| Gross Margin % | 79.8% | 78.1% | 79.5% | 82.4% | 93.4% | 91.0% | 83.6% | 86.3% | 86.9% | 87.6% | 89.4% | 95.2% | 92.0% | 94.7% | 80.1% | 74.7% | 22.3% | 19.1% | 48.9% | 52.9% | 57.8% |
| Operating Income (EBIT) | $127M | $111M | $113M | $124M | $92M | $28M | $37M | $52M | $44M | $34M | $25M | $24M | $16M | $12M | $0M | ($6M) | ($67M) | ($111M) | $14M | $33M | $34M |
| Operating Margin % | 29.6% | 27.9% | 33.6% | 38.8% | 35.9% | 19.6% | 26.8% | 34.7% | 32.1% | 29.4% | 24.4% | 25.1% | 16.6% | 12.0% | -0.1% | -5.4% | -44.0% | -63.3% | 7.3% | 17.5% | 19.6% |
| Net Income | $92M | $80M | $85M | $92M | $67M | $20M | $28M | $39M | $34M | $15M | $16M | $15M | $10M | $82M | $0M | ($6M) | ($109M) | ($66M) | $12M | $24M | $24M |
| Net Margin % | 21.5% | 20.2% | 25.4% | 28.6% | 26.4% | 14.1% | 20.0% | 26.4% | 24.8% | 13.0% | 15.6% | 15.8% | 10.6% | 83.1% | -0.1% | -5.4% | -71.7% | -37.3% | 6.1% | 12.8% | 13.9% |
| EBITDA | $134M | $121M | $122M | $132M | $98M | $32M | $41M | $55M | $47M | $37M | $27M | $27M | $20M | $17M | $4M | ($2M) | ($61M) | ($105M) | $21M | $39M | $41M |
| Earnings Per Share (EPS) | $1.74 | $1.50 | $1.87 | $2.02 | $1.49 | $0.65 | $0.92 | $1.30 | $1.12 | $0.50 | $0.53 | $0.52 | $0.39 | $5.82 | $-0.01 | $-0.46 | $-7.71 | $-4.71 | $0.86 | $1.89 | $1.75 |
| Shares Outstanding (M) | 52M | 53M | 46M | 45M | 45M | 31M | 30M | 30M | 30M | 30M | 30M | 30M | 26M | 14M | 14M | 14M | 14M | 14M | 14M | 13M | 14M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $89M | $111M | $114M | $115M | $85M | $82M | $85M | $85M |
| Gross Profit | $89M | $84M | $95M | $75M | $71M | $69M | $68M | $68M |
| Gross Margin % | 100.0% | 76.0% | 83.2% | 64.5% | 84.0% | 84.2% | 79.9% | 79.5% |
| Operating Income (EBIT) | $38M | $34M | $42M | $13M | $29M | $26M | $25M | $30M |
| Operating Margin % | 42.6% | 30.6% | 36.9% | 11.3% | 34.5% | 31.8% | 29.7% | 35.0% |
| Net Income | $28M | $26M | $29M | $10M | $22M | $20M | $19M | $23M |
| Net Margin % | 31.7% | 23.0% | 25.1% | 8.6% | 25.8% | 24.1% | 22.4% | 26.9% |
| EBITDA | $38M | $36M | $44M | $16M | $32M | $29M | $29M | $31M |
| Earnings Per Share (EPS) | $0.54 | $0.48 | $0.54 | $0.18 | $0.48 | $0.43 | $0.42 | $0.50 |
| Shares Outstanding (M) | 52M | 53M | 53M | 54M | 46M | 46M | 46M | 46M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $146M | $122M | $132M | $116M | $97M | $31M | $26M | $53M | $55M | $37M | $27M | $21M | ($6M) | $35M | $43M | $29M | $69M | $31M | $42M | $14M | $38M |
| Capital Expenditures (CapEx) | $4M | $5M | $11M | $12M | $4M | $2M | $4M | $4M | $2M | $1M | $2M | $1M | $1M | $2M | $1M | $1M | $1M | $1M | $6M | $7M | $10M |
| Free Cash Flow (FCF) | $141M | $118M | $121M | $104M | $93M | $29M | $22M | $48M | $53M | $36M | $25M | $20M | ($7M) | $33M | $42M | $29M | $68M | $30M | $36M | $7M | $28M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $14M | $12M | $9M | $9M | $9M | $5M | $1M | $1M | $1M | $1M | $1M | $2M | $12M | $0M | $0M | $0M | $3M | $6M | $8M | $7M | $7M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $29M | $37M | $44M | $36M | $24M | $18M | $24M | $48M |
| Capital Expenditures (CapEx) | $1M | $1M | $2M | $1M | $2M | $2M | $2M | $2M |
| Free Cash Flow (FCF) | $28M | $36M | $43M | $35M | $23M | $16M | $22M | $46M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.9B | $6.9B | $5.6B | $5.7B | $5.9B | $6.2B | $3.0B | $2.6B | $2.7B | $2.4B | $2.3B | $2.1B | $2.1B | $2.0B | $2.0B | $1.9B | $2.1B | $2.6B | $3.0B | $2.7B | $2.5B |
| Cash & Cash Equivalents | $47M | $124M | $99M | $100M | $115M | $752M | $330M | $51M | $55M | $56M | $47M | $40M | $44M | $48M | $129M | $51M | $98M | $78M | $67M | $61M | $86M |
| Total Liabilities | $6.0B | $6.0B | $5.0B | $5.1B | $5.4B | $149M | $94M | $2.4B | $2.4B | $2.2B | $2.1B | $1.9B | $1.9B | $1.9B | $2.0B | $1.9B | $2.0B | $2.4B | $2.8B | $2.5B | $2.3B |
| Total Debt (Short + Long-Term) | $469M | $339M | $142M | $517M | $261M | $168M | $117M | $206M | $313M | $247M | $197M | $152M | $170M | $131M | $222M | $105M | $110M | $177M | $371M | $359M | $197M |
| Total Shareholders' Equity | $903M | $897M | $671M | $577M | $461M | $6.1B | $2.9B | $278M | $229M | $200M | $175M | $156M | $194M | $148M | $73M | $74M | $84M | $197M | $193M | $150M | $159M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive OSBC viewer.
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