OSBC
$25.10+1.05%
Old Second Bancorp Inc.Stock · FinancialsRussell 2000 · 0.04% of IWMUS Stock Market · 0.002% of VTIRussell 3000 · 0.001% of IWV
OSBC financial statements
The full income statement, balance sheet, and cash-flow statement for Old Second Bancorp Inc. (OSBC), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 44.8M2024-09 44.9M2024-12 45.0M2025-03 45.1M2025-06 52.7M2025-09 52.7M2025-12 52.7M2026-03 51.4M2026-06 50.9M+13.4% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
PeriodRangeOrderChangeFiguresAs-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 339M+18.9% | 285M-0.2% | 286M+14.8% | 249M+83.3% | 136M+5.2% | ||
| Noninterest income | 46.4M+5.8% | 43.8M+28.2% | 34.2M-20.7% | 43.1M+9.8% | 39.3M+4.7% | |
| Amortization of intangibles | 4.54M+86.3% | 2.44M-0.9% | 2.46M-6.3% | 2.63M+307.8% | 644K+30.4% | |
| Noninterest expense | 204M+27.7% | 160M+10.0% | 145M-4.0% | 151M+45.7% | 104M+27.5% | |
| Provision for credit losses | 27.6M+116.1% | 12.8M-22.7% | 16.5M+144.5% | 6.75M+56.0% | 4.33M-58.5% | |
| Interest expense | — | 56.3M+40.5% | 40.0M+288.1% | 10.3M+22.1% | 8.45M-32.2% | |
| Interest & investment income | 355M+19.2% | 298M+2.0% | 292M+34.9% | 216M+105.8% | 105M+0.9% | |
| Net interest income | 293M+21.2% | 242M-4.1% | 252M+22.2% | 206M+113.2% | 96.7M+5.4% | |
| Pre-tax income | 108M-4.6% | 113M-9.2% | 124M+35.9% | 91.5M+228.5% | 27.9M-25.5% | |
| Income tax | 27.4M-0.9% | 27.7M-15.3% | 32.7M+35.4% | 24.1M+208.6% | 7.82M-18.4% | |
| 80.3M-5.8% | 85.3M-7.0% | 91.7M+36.1% | 67.4M+236.3% | 20.0M-28.0% | ||
| Net income to common | 80.3M-5.8% | 85.3M-7.0% | 91.7M+36.1% | 67.4M+236.3% | 20.0M-28.0% | |
| $1.62-13.4% | $1.87-7.4% | $2.02+35.6% | $1.49+129.2% | $0.65-29.3% | ||
| EPS (basic) | $1.64-13.7% | $1.90-7.3% | $2.05+35.8% | $1.51+128.8% | $0.66-29.8% | |
| Weighted-avg shares (basic) | 48.9M+9.0% | 44.8M+0.4% | 44.7M+0.3% | 44.5M+47.4% | 30.2M+2.0% | |
| Weighted-avg shares (diluted) | 49.7M+8.8% | 45.6M+0.5% | 45.4M+0.4% | 45.2M+47.1% | 30.7M+1.9% | |
| Dividends per share | $0.25+19.0% | $0.21+5.0% | $0.20+0.0% | $0.20+25.0% | $0.16+300.0% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 124M+24.9% | 99.3M-0.8% | 100M-13.1% | 115M-84.7% | 752M+128.0% | |
| 6.90B+22.2% | 5.65B-1.3% | 5.72B-2.8% | 5.89B-5.2% | 6.21B+104.3% | ||
| Property, plant & equipment | 86.6M-0.8% | 87.3M+10.1% | 79.3M+9.6% | 72.4M-17.8% | 88.0M+93.5% | |
| Operating lease right-of-use | 7.92M+7.6% | 7.36M+3.8% | 7.09M | — | — | |
| Goodwill | 129M+38.5% | 93.3M+7.8% | 86.5M+0.0% | 86.5M+0.2% | 86.3M+364.1% | |
| Intangible assets | 23.7M+7.5% | 22.0M+96.4% | 11.2M-18.0% | 13.7M-16.1% | 16.3M+648.9% | |
| Deferred tax assets | 31.3M+17.5% | 26.6M-14.3% | 31.1M-30.6% | 44.8M+633.6% | 6.10M-24.9% | |
| 6.01B+20.6% | 4.98B-3.2% | 5.15B-5.2% | 5.43B-5.0% | 5.71B+108.9% | ||
| Long-term debt | — | — | — | 44.6M+0.2% | 44.5M+0.2% | |
| Operating lease liability (total) | 12.7M+1.9% | 12.5M+7.7% | 11.6M | — | — | |
| 897M+33.6% | 671M+16.2% | 577M+25.2% | 461M-8.1% | 502M+63.5% | ||
| Common stock | 53.0M+18.1% | 44.9M+0.5% | 44.7M+0.0% | 44.7M+0.0% | 44.7M+27.9% | |
| Additional paid-in capital | 341M+66.3% | 205M+1.5% | 202M-0.0% | 202M-0.1% | 202M+65.6% | |
| Retained earnings | 537M+14.5% | 469M+19.3% | 393M+26.7% | 311M+23.2% | 252M+6.5% | |
| Treasury stock | 6.19M+976.7% | 575K+224.9% | 177K-94.5% | 3.23M-45.3% | 5.90M-94.2% | |
| Accumulated other comprehensive income | -28.7M+39.8% | -47.7M+23.9% | -62.8M+32.6% | -93.1M-1162.1% | 8.77M-40.6% | |
| Total liabilities & equity | 6.90B+22.2% | 5.65B-1.3% | 5.72B-2.8% | 5.89B-5.2% | 6.21B+104.3% | |
| Common shares issued | 53.0M+18.1% | 44.9M+0.5% | 44.7M+0.0% | 44.7M+0.0% | 44.7M+27.9% | |
| Common shares outstanding | 52.7M+17.4% | 44.9M+0.4% | 44.7M+0.3% | 44.6M+0.3% | 44.5M+51.6% | |
| Shares outstanding (cover) | 52.7M+17.0% | 45.0M+0.5% | 44.8M+0.3% | 44.7M+0.5% | 44.5M+52.7% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 122M-7.0% | 132M+13.0% | 116M+19.6% | 97.3M+213.5% | 31.0M+19.5% | ||
| Depreciation & amortization | 6.15M+9.9% | 5.59M+24.7% | 4.49M+9.8% | 4.08M+29.6% | 3.15M+12.7% | |
| Intangible amortization | 4.54M+86.3% | 2.44M-0.9% | 2.46M-6.3% | 2.63M+307.8% | 644K+30.4% | |
| Share-based compensation | 5.55M+41.8% | 3.91M+8.6% | 3.60M+21.7% | 2.96M+106.3% | 1.44M-31.3% | |
| Deferred income taxes | 1.59M+216.5% | -1.37M-173.6% | 1.86M | — | 6.48M+1102.9% | |
| 160M-50.5% | 323M+99.7% | 162M+137.3% | -433M-425.6% | 133M+228.0% | ||
| Capital expenditure | 4.50M-58.2% | 10.8M-12.8% | 12.4M+185.7% | 4.33M+113.1% | 2.03M-48.2% | |
| Free cash flow | 118M-2.5% | 121M+16.1% | 104M+11.8% | 93.0M+220.6% | 29.0M+31.5% | |
| Acquisitions | -10.5M+95.6% | -237M | 0.00-100.0% | 146K+100.1% | -149M | |
| Sales/maturities of investments | 280M-8.1% | 304M+63.5% | 186M-33.5% | 280M+101.5% | 139M+189.0% | |
| -257M+43.4% | -455M-55.3% | -293M+2.8% | -301M-216.8% | 258M-27.7% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00-100.0% | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 7.41M+607.3% | 1.05M+73.2% | 605K+33.0% | 455K-95.6% | 10.4M+75.9% | |
| Dividends paid | 12.2M+30.0% | 9.41M+5.2% | 8.95M+0.8% | 8.88M+92.5% | 4.61M+288.9% | |
| Net change in cash | 24.7M+3126.5% | -816K+94.6% | -15.0M+97.6% | -637M-250.9% | 422M+51.2% | |
| Income taxes paid | 20.7M-9.9% | 23.0M-35.6% | 35.7M+217.5% | 11.2M+6.0% | 10.6M+33.7% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 1.03B+28.3% | 801M+16.1% | 690M-3.5% | 715M+27.7% | 560M+90.3% | |
| P/E | 12.8×+36.2% | 9.4×+32.2% | 7.1×-65.5% | 20.6×-26.3% | 27.9×+164.2% | |
| P/S | 3.0×+7.9% | 2.8×+17.6% | 2.4×-28.1% | 3.3×-19.4% | 4.1×+80.9% | |
| P/B | 1.1×-4.0% | 1.2×-7.9% | 1.3×-21.4% | 1.6×+47.8% | 1.1×+16.4% | |
| P/FCF | 8.7×+31.5% | 6.6×+10.3% | 6.0×-69.2% | 19.6×+1.3% | 19.3×+44.7% | |
| Earnings yield | 7.8%-26.6% | 10.6%-24.4% | 14.1%+189.8% | 4.9%+35.6% | 3.6%-62.1% | |
| FCF yield | 11.5%-24.0% | 15.1%-9.3% | 16.6%+225.0% | 5.1%-1.3% | 5.2%-30.9% | |
| Dividend yield | 1.3%+8.5% | 1.2%-8.8% | 1.3%+3.9% | 1.2%-1.9% | 1.3%+220.9% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: OSBC’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all OSBC filings on SEC EDGAR → Not investment advice.