What is Old Second Bancorp Inc Ill's earnings per share (EPS)?

Old Second Bancorp Inc Ill (OSBC) reported diluted earnings per share of $1.62 for fiscal year 2025. This represents a -13.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Old Second Bancorp Inc Ill Financials

OSBC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Old Second Bancorp Inc Ill (OSBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 49/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Old Second Bancorp Inc Ill's revenue surged 19.2% year-over-year to $355.2M, reflecting rapid business expansion. This strong growth earns a score of 65/100.

Leverage

Old Second Bancorp Inc Ill has elevated debt relative to equity (D/E of 6.70), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Old Second Bancorp Inc Ill converts 33.1% of revenue into free cash flow ($117.8M). This strong cash generation earns a score of 100/100.

Returns

Old Second Bancorp Inc Ill's ROE of 9.0% shows moderate profitability relative to equity, earning a score of 31/100. This is down from 12.7% the prior year.

Piotroski F-Score Weak

3/9

Old Second Bancorp Inc Ill passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.52x

For every $1 of reported earnings, Old Second Bancorp Inc Ill generates $1.52 in operating cash flow ($122.3M OCF vs $80.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$355.2M

YoY+19.2%

5Y CAGR+27.8%

10Y CAGR+17.9%

Old Second Bancorp Inc Ill generated $355.2M in revenue in fiscal year 2025. This represents an increase of 19.2% from the prior year.

EBITDA

N/A

Net Income

$80.3M

YoY-5.8%

5Y CAGR+23.6%

10Y CAGR+18.0%

Old Second Bancorp Inc Ill reported $80.3M in net income in fiscal year 2025. This represents a decrease of 5.8% from the prior year.

EPS (Diluted)

$1.62

YoY-13.4%

5Y CAGR+12.0%

10Y CAGR+13.4%

Old Second Bancorp Inc Ill earned $1.62 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 13.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$117.8M

YoY-2.5%

5Y CAGR+39.8%

10Y CAGR+19.5%

Old Second Bancorp Inc Ill generated $117.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 2.5% from the prior year.

Cash & Debt

$124.0M

YoY+24.9%

5Y CAGR-17.8%

10Y CAGR+11.9%

Old Second Bancorp Inc Ill held $124.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.25

YoY+19.0%

5Y CAGR+44.3%

Old Second Bancorp Inc Ill paid $0.25 per share in dividends in fiscal year 2025. This represents an increase of 19.0% from the prior year.

Shares Outstanding

53M

YoY+17.4%

5Y CAGR+12.4%

10Y CAGR+6.0%

Old Second Bancorp Inc Ill had 53M shares outstanding in fiscal year 2025. This represents an increase of 17.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.6%

YoY-6.0pp

5Y CAGR-4.1pp

10Y CAGR+0.0pp

Old Second Bancorp Inc Ill's net profit margin was 22.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 6.0 percentage points from the prior year.

Return on Equity

9.0%

YoY-3.7pp

5Y CAGR-0.1pp

10Y CAGR-0.9pp

Old Second Bancorp Inc Ill's ROE was 9.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$7.4M

YoY+607.3%

5Y CAGR+4.6%

10Y CAGR+51.4%

Old Second Bancorp Inc Ill spent $7.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 607.3% from the prior year.

Capital Expenditures

$4.5M

YoY-58.2%

5Y CAGR+2.8%

10Y CAGR+13.4%

Old Second Bancorp Inc Ill invested $4.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 58.2% from the prior year.

OSBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$355.2M+19.2%	$297.9M+2.0%	$292.0M+34.9%	$216.5M+105.8%	$105.2M+0.9%	$104.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$62.2M+10.6%	$56.3M+40.5%	$40.0M+288.1%	$10.3M+22.1%	$8.4M-32.2%	$12.5M
Income Tax	$27.4M-0.9%	$27.7M-15.3%	$32.7M+35.4%	$24.1M+208.6%	$7.8M-18.4%	$9.6M
Net Income	$80.3M-5.8%	$85.3M-7.0%	$91.7M+36.1%	$67.4M+236.3%	$20.0M-28.0%	$27.8M
EPS (Diluted)	$1.62-13.4%	$1.87-7.4%	$2.02+35.6%	$1.49+129.2%	$0.65-29.3%	$0.92

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$102.3M-1.7%	$104.1M+38.3%	$75.2M+2.3%	$73.6M-2.3%	$75.3M-1.0%	$76.1M+3.9%	$73.2M-0.1%	$73.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$19.3M-9.6%	$21.3M+93.6%	$11.0M+3.2%	$10.7M-22.2%	$13.7M-11.6%	$15.5M+14.5%	$13.5M-0.1%	$13.5M
Income Tax	$10.5M+227.9%	$3.2M-56.7%	$7.4M+16.0%	$6.4M+1.7%	$6.3M-9.2%	$6.9M-5.5%	$7.3M+0.9%	$7.2M
Net Income	$28.8M+191.6%	$9.9M-54.8%	$21.8M+10.0%	$19.8M+3.8%	$19.1M-16.7%	$23.0M+4.8%	$21.9M+2.7%	$21.3M
EPS (Diluted)	N/A	$0.18-62.5%	$0.48+11.6%	$0.43	N/A	$0.50+4.2%	$0.48+2.1%	$0.47

OSBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.9B+22.2%	$5.6B-1.3%	$5.7B-2.8%	$5.9B-5.2%	$6.2B+104.3%	$3.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$124.0M+24.9%	$99.3M-0.8%	$100.1M-13.1%	$115.2M-84.7%	$752.1M+128.0%	$329.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$129.2M+38.5%	$93.3M+7.8%	$86.5M0.0%	$86.5M+0.2%	$86.3M+364.1%	$18.6M
Total Liabilities	$6.0B+20.6%	$5.0B-3.2%	$5.1B-5.2%	$5.4B-5.0%	$5.7B+108.9%	$2.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$896.8M+33.6%	$671.0M+16.2%	$577.3M+25.2%	$461.1M-8.1%	$502.0M+63.5%	$307.1M
Retained Earnings	$537.2M+14.5%	$469.2M+19.3%	$393.3M+26.7%	$310.5M+23.2%	$252.0M+6.5%	$236.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.9B-1.3%	$7.0B+22.6%	$5.7B-0.5%	$5.7B+1.4%	$5.6B-0.4%	$5.7B+0.2%	$5.7B+0.8%	$5.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$124.0M+6.4%	$116.5M-17.8%	$141.8M-44.6%	$256.1M+157.9%	$99.3M-14.2%	$115.8M-4.2%	$120.9M+23.2%	$98.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$129.2M-0.8%	$130.3M+39.7%	$93.2M0.0%	$93.2M0.0%	$93.3M+7.8%	$86.5M0.0%	$86.5M0.0%	$86.5M
Total Liabilities	$6.0B-1.9%	$6.1B+22.9%	$5.0B-1.0%	$5.0B+1.1%	$5.0B-0.6%	$5.0B-0.7%	$5.0B+0.5%	$5.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$896.8M+3.5%	$866.7M+20.6%	$718.6M+3.5%	$694.5M+3.5%	$671.0M+1.5%	$661.4M+6.8%	$619.3M+3.9%	$596.2M
Retained Earnings	$537.2M+4.9%	$512.1M+1.3%	$505.4M+3.9%	$486.3M+3.7%	$469.2M+3.6%	$452.7M+4.8%	$432.0M+4.8%	$412.4M

OSBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$122.3M-7.0%	$131.5M+13.0%	$116.4M+19.6%	$97.3M+213.5%	$31.0M+19.5%	$26.0M
Capital Expenditures	$4.5M-58.2%	$10.8M-12.8%	$12.4M+185.7%	$4.3M+113.1%	$2.0M-48.2%	$3.9M
Free Cash Flow	$117.8M-2.5%	$120.7M+16.1%	$104.0M+11.8%	$93.0M+220.6%	$29.0M+31.5%	$22.1M
Investing Cash Flow	$159.8M-50.5%	$322.7M+99.7%	$161.6M+137.3%	-$432.8M-425.6%	$132.9M+228.0%	-$103.8M
Financing Cash Flow	-$257.4M+43.4%	-$455.1M-55.3%	-$293.0M+2.8%	-$301.5M-216.8%	$258.2M-27.7%	$357.1M
Dividends Paid	$12.2M+30.0%	$9.4M+5.2%	$8.9M+0.8%	$8.9M+92.5%	$4.6M+288.9%	$1.2M
Share Buybacks	$7.4M+607.3%	$1.0M+73.2%	$605K+33.0%	$455K-95.6%	$10.4M+75.9%	$5.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$44.2M+23.1%	$35.9M+48.2%	$24.2M+35.9%	$17.8M-25.7%	$24.0M-50.5%	$48.5M+316.3%	$11.6M-75.4%	$47.4M
Capital Expenditures	$881K-28.1%	$1.2M+55.4%	$789K-51.0%	$1.6M-25.1%	$2.1M-8.4%	$2.3M-20.9%	$3.0M-11.0%	$3.3M
Free Cash Flow	$43.4M+24.9%	$34.7M+48.0%	$23.5M+44.5%	$16.2M-25.7%	$21.8M-52.7%	$46.2M+431.4%	$8.7M-80.3%	$44.1M
Investing Cash Flow	$81.5M-11.3%	$91.8M+201.8%	-$90.2M-217.5%	$76.7M-70.4%	$259.3M+3594.2%	-$7.4M+67.8%	-$23.1M-124.6%	$93.9M
Financing Cash Flow	-$118.2M+22.7%	-$153.0M-215.8%	-$48.4M-177.9%	$62.2M+120.8%	-$299.7M-548.7%	-$46.2M-235.0%	$34.2M+123.9%	-$143.3M
Dividends Paid	$3.7M+16.9%	$3.2M+16.7%	$2.7M+0.3%	$2.7M+0.1%	$2.7M+19.8%	$2.2M+0.2%	$2.2M+0.2%	$2.2M
Share Buybacks	$36K-99.4%	$5.9M+9390.3%	$62K-95.7%	$1.4M+456.4%	$257K	$0-100.0%	$15K-98.1%	$776K

OSBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.6%-6.0pp	28.6%-2.8pp	31.4%+0.3pp	31.1%+12.1pp	19.1%-7.6pp	26.7%
Return on Equity	9.0%-3.7pp	12.7%-3.2pp	15.9%+1.3pp	14.6%+10.6pp	4.0%-5.1pp	9.1%
Return on Assets	1.2%-0.4pp	1.5%-0.1pp	1.6%+0.5pp	1.1%+0.8pp	0.3%-0.6pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.70-0.7	7.42-1.5	8.91-2.9	11.77+0.4	11.37+2.5	8.90
FCF Margin	33.1%-7.4pp	40.5%+4.9pp	35.6%-7.3pp	43.0%+15.4pp	27.6%+6.4pp	21.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.1%+18.7pp	9.5%-19.5pp	29.0%+2.0pp	27.0%+1.6pp	25.4%-4.8pp	30.2%+0.3pp	29.9%+0.8pp	29.1%
Return on Equity	3.2%+2.1pp	1.1%-1.9pp	3.0%+0.2pp	2.9%0.0pp	2.9%-0.6pp	3.5%-0.1pp	3.5%-0.0pp	3.6%
Return on Assets	0.4%+0.3pp	0.1%-0.2pp	0.4%+0.0pp	0.4%+0.0pp	0.3%-0.1pp	0.4%+0.0pp	0.4%0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.70-0.4	7.07+0.1	6.93-0.3	7.25-0.2	7.42-0.2	7.58-0.6	8.14-0.3	8.42
FCF Margin	42.4%+9.0pp	33.4%+2.2pp	31.2%+9.1pp	22.1%-7.0pp	29.0%-31.6pp	60.7%+48.8pp	11.9%-48.2pp	60.1%

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Frequently Asked Questions

What is Old Second Bancorp Inc Ill's annual revenue?

Old Second Bancorp Inc Ill (OSBC) reported $355.2M in total revenue for fiscal year 2025. This represents a 19.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Old Second Bancorp Inc Ill's revenue growing?

Old Second Bancorp Inc Ill (OSBC) revenue grew by 19.2% year-over-year, from $297.9M to $355.2M in fiscal year 2025.

Is Old Second Bancorp Inc Ill profitable?

Yes, Old Second Bancorp Inc Ill (OSBC) reported a net income of $80.3M in fiscal year 2025, with a net profit margin of 22.6%.

What is Old Second Bancorp Inc Ill's net profit margin?

Old Second Bancorp Inc Ill (OSBC) had a net profit margin of 22.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Old Second Bancorp Inc Ill pay dividends?

Yes, Old Second Bancorp Inc Ill (OSBC) paid $0.25 per share in dividends during fiscal year 2025.

What is Old Second Bancorp Inc Ill's return on equity (ROE)?

Old Second Bancorp Inc Ill (OSBC) has a return on equity of 9.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Old Second Bancorp Inc Ill's free cash flow?

Old Second Bancorp Inc Ill (OSBC) generated $117.8M in free cash flow during fiscal year 2025. This represents a -2.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Old Second Bancorp Inc Ill's operating cash flow?

Old Second Bancorp Inc Ill (OSBC) generated $122.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Old Second Bancorp Inc Ill's total assets?

Old Second Bancorp Inc Ill (OSBC) had $6.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Old Second Bancorp Inc Ill's capital expenditures?

Old Second Bancorp Inc Ill (OSBC) invested $4.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Old Second Bancorp Inc Ill buy back shares?

Yes, Old Second Bancorp Inc Ill (OSBC) spent $7.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Old Second Bancorp Inc Ill have outstanding?

Old Second Bancorp Inc Ill (OSBC) had 53M shares outstanding as of fiscal year 2025.

What is Old Second Bancorp Inc Ill's debt-to-equity ratio?

Old Second Bancorp Inc Ill (OSBC) had a debt-to-equity ratio of 6.70 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Old Second Bancorp Inc Ill's return on assets (ROA)?

Old Second Bancorp Inc Ill (OSBC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Old Second Bancorp Inc Ill's Piotroski F-Score?

Old Second Bancorp Inc Ill (OSBC) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Old Second Bancorp Inc Ill's earnings high quality?

Old Second Bancorp Inc Ill (OSBC) has an earnings quality ratio of 1.52x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Old Second Bancorp Inc Ill?

Old Second Bancorp Inc Ill (OSBC) scores 49 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.