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Old Second Bancorp Inc
NASDAQ:OSBC

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Old Second Bancorp Inc Logo
Old Second Bancorp Inc
NASDAQ:OSBC
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Price: 21.225 USD 0.88% Market Closed
Market Cap: $1.1B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+59%
5Y
+198%
10Y
+356%
Non Interest Income
+
3Y
+2%
5Y
+21%
10Y
+58%
Net Income
+
3Y
+103%
5Y
+141%
10Y
+509%

Income Statement
Old Second Bancorp Inc

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Income Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Net Interest Income
50
52
54
56
58
58
60
61
62
65
66
67
68
69
71
73
74
75
74
73
71
70
69
69
69
72
78
84
90
92
91
88
87
86
84
83
79
74
71
67
64
63
62
60
59
58
56
56
55
55
55
56
57
58
59
59
59
60
60
61
63
66
69
73
75
77
82
86
91
95
97
98
97
95
93
91
92
93
92
92
97
114
138
171
206
229
247
255
252
248
244
241
242
245
249
271
Interest Income
85
84
84
84
86
86
87
88
88
90
92
94
97
101
107
113
120
127
133
138
142
145
149
152
156
160
161
160
158
153
146
139
133
126
119
113
107
100
95
90
85
82
80
77
75
73
70
70
69
68
68
67
68
68
69
69
68
69
69
70
73
76
80
85
88
90
95
101
108
113
116
117
116
114
110
106
104
102
101
100
105
123
146
180
217
243
270
286
292
295
294
296
298
298
300
328
Interest Expense
35
32
29
28
28
28
27
26
25
25
26
27
29
32
36
41
46
52
59
66
71
76
80
84
87
88
84
77
68
61
55
51
46
40
35
31
28
26
24
23
21
20
18
17
16
15
14
14
14
13
13
12
11
10
9
9
9
9
9
10
10
11
11
12
13
13
14
15
17
18
19
19
19
19
17
15
12
10
9
8
8
9
9
9
10
14
22
31
40
48
51
55
56
53
51
57
Non Interest Income
22
23
23
24
25
27
30
31
29
28
25
23
26
24
27
28
28
29
29
29
29
30
30
31
32
33
35
35
35
36
36
38
43
42
43
47
45
46
44
38
36
38
39
40
43
43
43
41
31
26
24
24
29
31
32
29
29
28
27
28
29
29
29
31
30
32
33
33
31
29
29
33
36
36
38
38
38
42
40
37
39
41
43
45
43
37
36
34
34
37
40
41
44
44
43
46
Revenue
72
N/A
75
+5%
77
+3%
80
+4%
83
+3%
85
+3%
90
+5%
92
+3%
92
-1%
93
+1%
91
-2%
91
0%
94
+4%
94
-1%
98
+4%
100
+3%
102
+2%
103
+1%
103
0%
101
-2%
100
-1%
99
-1%
99
0%
100
+1%
100
+1%
105
+4%
112
+7%
119
+6%
125
+5%
127
+2%
127
0%
127
0%
130
+3%
128
-2%
127
-1%
130
+2%
124
-5%
120
-3%
115
-4%
105
-8%
100
-5%
100
+0%
100
+0%
101
+1%
102
+1%
101
-1%
98
-3%
96
-2%
87
-10%
81
-6%
79
-3%
79
+0%
86
+9%
89
+3%
91
+2%
88
-3%
88
0%
87
-1%
87
-1%
88
+2%
92
+4%
95
+3%
98
+4%
104
+5%
105
+2%
109
+3%
115
+5%
119
+4%
122
+3%
125
+2%
126
+1%
131
+4%
133
+1%
131
-1%
132
+0%
129
-2%
129
+0%
135
+5%
132
-3%
129
-2%
136
+5%
156
+15%
180
+16%
216
+19%
249
+16%
266
+7%
283
+7%
289
+2%
286
-1%
285
0%
284
0%
282
-1%
285
+1%
288
+1%
293
+1%
317
+8%
Pre-Tax Income
Loan Loss Provision
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(3)
(2)
(2)
(1)
3
3
3
2
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(3)
(9)
(30)
(39)
(84)
(88)
(97)
(107)
(104)
(106)
(90)
(74)
(30)
(22)
(9)
(11)
(11)
(8)
(6)
2
4
6
9
7
6
5
3
2
4
6
4
4
2
0
(1)
(1)
(2)
(2)
(2)
(1)
(2)
(1)
(1)
(2)
(1)
(2)
(2)
0
0
0
0
3
7
8
(4)
(7)
(11)
(17)
(7)
(10)
(12)
(10)
(17)
(17)
(18)
(17)
(13)
(12)
(10)
(28)
Non Interest Expense
(42)
(42)
(44)
(46)
(48)
(50)
(53)
(54)
(54)
(55)
(54)
(55)
(58)
(57)
(59)
(60)
(61)
(62)
(62)
(64)
(65)
(66)
(67)
(66)
(67)
(70)
(73)
(77)
(80)
(81)
(142)
(143)
(145)
(148)
(93)
(96)
(101)
(100)
(99)
(99)
(98)
(95)
(96)
(98)
(96)
(95)
(92)
(89)
(83)
(78)
(76)
(73)
(74)
(73)
(73)
(71)
(68)
(68)
(65)
(66)
(67)
(69)
(70)
(70)
(69)
(68)
(73)
(75)
(77)
(79)
(77)
(78)
(79)
(89)
(90)
(90)
(92)
(85)
(85)
(87)
(104)
(120)
(136)
(150)
(151)
(149)
(146)
(148)
(145)
(148)
(151)
(152)
(160)
(166)
(172)
(195)
Pre-Tax Income
27
N/A
29
+8%
29
+2%
30
+3%
31
+2%
31
+1%
33
+5%
34
+2%
34
+1%
35
+4%
35
-2%
35
+2%
40
+12%
39
0%
41
+4%
42
+3%
41
-3%
41
-1%
40
-1%
36
-10%
34
-8%
33
-2%
31
-5%
33
+5%
33
+0%
33
0%
36
+9%
33
-8%
14
-57%
7
-50%
(100)
N/A
(104)
-4%
(111)
-7%
(127)
-14%
(69)
+45%
(72)
-4%
(67)
+7%
(55)
+17%
(15)
+73%
(15)
-1%
(7)
+57%
(6)
+2%
(6)
+4%
(5)
+25%
(0)
+98%
8
N/A
11
+27%
13
+27%
12
-12%
10
-17%
9
-4%
11
+18%
16
+43%
18
+13%
21
+19%
23
+8%
24
+6%
24
-1%
24
-3%
23
-4%
25
+8%
26
+5%
27
+5%
32
+17%
34
+8%
39
+14%
40
+2%
43
+7%
44
+2%
43
-1%
48
+10%
51
+7%
52
+2%
41
-21%
41
+0%
38
-6%
37
-3%
54
+43%
53
-1%
51
-4%
28
-45%
28
+1%
33
+17%
48
+46%
92
+90%
107
+17%
125
+17%
131
+5%
124
-5%
121
-3%
115
-5%
113
-2%
113
+0%
111
-2%
111
+0%
94
-15%
Net Income
Tax Provision
(9)
(10)
(10)
(10)
(11)
(11)
(12)
(12)
(12)
(12)
(12)
(12)
(13)
(13)
(14)
(14)
(14)
(13)
(13)
(11)
(10)
(9)
(8)
(9)
(9)
(9)
(10)
(9)
(2)
0
41
43
46
51
29
30
(42)
(48)
(64)
(65)
0
0
0
0
0
0
0
70
70
69
68
(4)
(6)
(6)
(8)
(9)
(9)
(9)
(9)
(8)
(9)
(9)
(9)
(9)
(10)
(10)
(9)
(11)
(10)
(10)
(12)
(12)
(12)
(10)
(10)
(9)
(10)
(14)
(14)
(14)
(8)
(8)
(9)
(13)
(24)
(28)
(33)
(34)
(33)
(32)
(29)
(28)
(28)
(27)
(27)
(23)
Income from Continuing Operations
17
19
19
20
20
20
21
22
22
23
23
23
26
26
27
28
28
28
27
25
24
23
23
24
24
24
25
23
12
7
(59)
(61)
(66)
(75)
(40)
(42)
(109)
(103)
(79)
(80)
(7)
(6)
(6)
(5)
(0)
8
11
83
82
79
77
7
10
11
14
15
15
15
15
15
16
17
18
23
25
30
31
32
34
33
36
39
40
31
31
29
28
39
39
37
20
20
24
35
67
79
92
97
92
89
86
84
85
84
84
71
Net Income (Common)
17
N/A
19
+8%
19
+3%
20
+4%
20
+2%
20
+1%
21
+4%
22
+3%
22
+2%
23
+4%
23
-1%
23
+2%
26
+13%
26
+0%
27
+4%
28
+3%
28
-2%
28
0%
27
-1%
25
-8%
24
-6%
23
-2%
23
-3%
24
+5%
24
+1%
24
-1%
25
+7%
23
-8%
12
-50%
6
-45%
(61)
N/A
(64)
-6%
(70)
-9%
(80)
-14%
(45)
+44%
(46)
-4%
(113)
-145%
(108)
+5%
(83)
+23%
(85)
-2%
(11)
+87%
(11)
+1%
(11)
+2%
(10)
+13%
(5)
+46%
3
N/A
5
+65%
78
+1 332%
77
-2%
73
-5%
79
+7%
9
-89%
12
+35%
14
+17%
10
-29%
12
+18%
14
+16%
14
+5%
15
+3%
15
-1%
16
+8%
17
+7%
18
+8%
23
+25%
15
-33%
20
+34%
21
+5%
23
+7%
34
+49%
33
-3%
36
+9%
39
+7%
40
+2%
31
-21%
31
0%
29
-6%
28
-5%
39
+42%
39
-1%
37
-5%
20
-46%
20
+1%
24
+17%
35
+47%
67
+94%
79
+17%
92
+17%
97
+5%
92
-6%
89
-2%
86
-4%
84
-2%
85
+1%
84
-2%
84
0%
71
-16%
EPS (Diluted)
1.12
N/A
1.22
+9%
1.26
+3%
1.31
+4%
1.35
+3%
1.36
+1%
1.42
+4%
1.61
+13%
1.56
-3%
1.69
+8%
1.69
N/A
1.72
+2%
1.94
+13%
1.95
+1%
2.02
+4%
2.04
+1%
2.03
0%
2.03
N/A
1.97
-3%
1.87
-5%
1.75
-6%
1.75
N/A
1.77
+1%
1.93
+9%
1.89
-2%
1.79
-5%
1.83
+2%
1.69
-8%
0.86
-49%
0.46
-47%
-4.35
N/A
-4.62
-6%
-5.06
-10%
-5.73
-13%
-3.16
+45%
-3.33
-5%
-8.13
-144%
-7.71
+5%
-5.94
+23%
-6.04
-2%
-0.8
+87%
-0.79
+1%
-0.78
+1%
-0.68
+13%
-0.36
+47%
0.24
N/A
0.39
+63%
5.55
+1 323%
5.45
-2%
5.19
-5%
2.76
-47%
0.28
-90%
0.46
+64%
0.47
+2%
0.32
-32%
0.38
+19%
0.45
+18%
0.47
+4%
0.49
+4%
0.49
N/A
0.53
+8%
0.57
+8%
0.61
+7%
0.76
+25%
0.5
-34%
0.66
+32%
0.7
+6%
0.75
+7%
1.12
+49%
1.09
-3%
1.19
+9%
1.27
+7%
1.3
+2%
1.03
-21%
1.03
N/A
0.97
-6%
0.92
-5%
1.32
+43%
1.31
-1%
1.26
-4%
0.65
-48%
0.44
-32%
0.52
+18%
0.76
+46%
1.49
+96%
1.74
+17%
2.03
+17%
2.14
+5%
2.02
-6%
1.97
-2%
1.89
-4%
1.85
-2%
1.87
+1%
1.83
-2%
1.83
N/A
1.32
-28%

See Also

Summary
OSBC intrinsic value, competitors valuation, and company profile.
DCF Valuation
OSBC stock valuation using Discount Cash Flow valuation method.
Relative Valuation
OSBC stock valuation using valuation multiples.
Wall Street Estimates
OSBC price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
OSBC stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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