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Old Second Bancorp, Inc. (OSBC)
Financial Services · Banks - Regional · NasdaqGS
Old Second Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $244.92M | $280.99M | $279.90M | $333.10M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $15.68M | $15.14M | $34.01M | $39.45M | $27.82M | $20.04M | $67.41M | $91.73M | $85.26M | $80.31M |
| Net margin | — | — | — | — | — | — | 27.5% | 32.6% | 30.5% | 24.1% |
Source: Old Second Bancorp, Inc. SEC filings (10-K). 16 years of history available in the interactive view.
What growth is priced into OSBC stock?
At today's market cap of $1.14B, Old Second Bancorp, Inc. is priced for free-cash-flow growth of about -2.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $117.76M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 39.8%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of Old Second Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Old Second Bancorp, Inc. financial history by metric
About Old Second Bancorp, Inc.
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides 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. The company was founded in 1871 and is headquartered in Aurora, Illinois.
Old Second Bancorp, Inc. — frequently asked questions
What is Old Second Bancorp, Inc.'s revenue?
Old Second Bancorp, Inc. (OSBC) reported revenue of $333.10M for fiscal year 2025, up 19.0% from the prior year, according to its SEC filings.
Is Old Second Bancorp, Inc. profitable?
Yes. OSBC earned net income of $80.31M in fiscal 2025, a net margin of 24.1%.
What is OSBC's P/E ratio?
Old Second Bancorp, Inc. trades at a price-to-earnings ratio of about 13.2 based on the latest data in our nightly-refreshed cache.
How much debt does Old Second Bancorp, Inc. have?
As of fiscal year 2025, OSBC carried roughly $315.15M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Old Second Bancorp, Inc.'s market cap?
Old Second Bancorp, Inc. (OSBC) has a market capitalization of about $1.14B, based on the latest data in our nightly-refreshed cache.
When does Old Second Bancorp, Inc.'s fiscal year end?
OSBC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into OSBC stock?
At today's market cap of $1.14B, Old Second Bancorp, Inc. is priced for free-cash-flow growth of about -2.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $117.76M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 39.8%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Old Second Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.