Old Second Bancorp Inc
OSBC Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$24.77
KIRA · Stoqly’s AI analyst, in plain words
- Old Second Bancorp Inc had $339M of revenue in fiscal 2025, up 18.9% on the year before. Over five years, revenue changed +21.3% a year on average.
- Old Second Bancorp Inc made $80.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.2% a year.
- Old Second Bancorp Inc returned $19.7M to shareholders in fiscal 2025, 17% of free cash flow. The diluted share count rose 8.8%.
- It earned 10.2% on shareholders’ money. Running costs took 60.1% of revenue (the efficiency ratio; lower is better).
Market cap
$1.3B
P/E
14.3x
Revenue
$339M
Net income
$80.3M
Return on equity
10.2%
Efficiency ratio
60.1%
Old Second Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+18.9%
Yes. Sales grew 18.9% last year.
Does it make a profit?
23.7%
Yes. It keeps 23.7% of every sale as profit.
How lean are its costs?
60.1%
Average. Running costs take 60.1% of revenue.
How much does it earn on its capital?
10.2%
Fair. It earns 10.2% a year on shareholders’ money.
How is the share priced?
14.3x
One share costs 14.3 times its yearly profit per share.
What Old Second Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- OLD SECOND BANCORP INC
- CIK
- 0000357173
Old Second Bancorp Inc · OSBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $136M | $249M | $286M | $285M | $339M |
| Revenue growth | 5.2% | 83.3% | 14.8% | −0.2% | 18.9% |
| Net interest income | $96.7M | $206M | $252M | $242M | $293M |
| Net income | $20.0M | $67.4M | $91.7M | $85.3M | $80.3M |
| Net margin | 14.7% | 27.0% | 32.1% | 29.9% | 23.7% |
| Diluted EPS | $0.65 | $1.49 | $2.02 | $1.87 | $1.62 |
| Cash | |||||
| Cash from operations | $31.0M | $97.3M | $116M | $132M | $122M |
| Capital expenditure | $2.0M | $4.3M | $12.4M | $10.8M | $4.5M |
| Free cash flow | $29.0M | $93.0M | $104M | $121M | $118M |
| FCF margin | 21.3% | 37.3% | 36.4% | 42.3% | 34.7% |
| Dividends paid | $4.6M | $8.9M | $8.9M | $9.4M | $12.2M |
| Share buybacks | $10.4M | $0.5M | $0.6M | $1.0M | $7.4M |
| Share count change | 1.9% | 47.1% | 0.4% | 0.5% | 8.8% |
| Debt and strength | |||||
| Cash and short-term investments | $752M | $115M | $100M | $99.3M | $124M |
| Loans, net | $3.4B | $3.8B | — | — | — |
| Deposits | $5.5B | $5.1B | $4.6B | $4.8B | $5.6B |
| Shareholders' equity | $502M | $461M | $577M | $671M | $897M |
| Returns and quality | |||||
| Return on equity | 5.0% | 14.0% | 17.7% | 13.7% | 10.2% |
| Return on tangible equity | 5.0% | 18.7% | 19.1% | 15.3% | 10.8% |
| Efficiency ratio | 76.3% | 60.6% | 50.8% | 56.0% | 60.1% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$8.3M
7 insiders
Of sales under plans
23%
$1.9M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Old Second Bancorp Inc · OSBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $24.77 a share, the company is worth $1.3B: 14.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000357173). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.