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OLD SECOND BANCORP INC OSBC

Nasdaq · stock · State Commercial Banks · website · IPO 1993-11-11 · LEI

OLD SECOND BANCORP INC financials (annual)

Revenue
2016201720182019202020212022202320242025
Net income
$15.7M $15.1M $34.0M $39.5M $27.8M $20.0M $67.4M $91.7M $85.3M $80.3M 2016201720182019202020212022202320242025
Free cash flow
$25.3M $36.0M $53.0M $48.3M $22.1M $29.0M $93.0M $104.0M $120.7M $117.8M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense—$56.3M$40.0M$10.3M$8.4M$12.5M$18.8M$16.7M$12.6M$9.9M
Income tax$27.4M$27.7M$32.7M$24.1M$7.8M$9.6M$12.4M$9.9M$19.2M$8.8M
Net income$80.3M$85.3M$91.7M$67.4M$20.0M$27.8M$39.5M$34.0M$15.1M$15.7M
EPS (diluted)$1.62$1.87$2.02$1.49$0.65$0.92$1.30$1.12$0.50$0.53
Operating cash flow$122.3M$131.5M$116.4M$97.3M$31.0M$26.0M$52.6M$54.9M$37.1M$27.3M
Free cash flow$117.8M$120.7M$104.0M$93.0M$29.0M$22.1M$48.3M$53.0M$36.0M$25.3M
Cash & equivalents$124.0M$99.3M$100.1M$115.2M$752.1M$329.9M$50.6M$55.2M$55.8M$47.3M
Total assets$6.9B$5.6B$5.7B$5.9B$6.2B$3.0B$2.6B$2.7B$2.4B$2.3B
Total liabilities$6.0B$5.0B$5.1B$5.4B$5.7B$2.7B$2.4B$2.4B$2.2B$2.1B
Shareholders' equity$896.8M$671.0M$577.3M$461.1M$502.0M$307.1M$277.9M$229.1M$200.3M$175.2M

Growth · year-over-year

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net income growth-5.8%-7.0%+36.1%+236.3%-28.0%-29.5%+16.0%+124.7%-3.5%+1.9%
EPS growth-13.4%-7.4%+35.6%+129.2%-29.3%-29.2%+16.1%+124.0%-5.7%+15.2%
Free cash flow growth-2.5%+16.1%+11.8%+220.6%+31.5%-54.3%-9.0%+47.1%+42.7%+27.3%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.