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OSBC OLD SECOND BANCORP INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$1.3bn
Revenue TTM
$382m
Net income TTM
$92m
Free cash flow
$142m
Composite score
55.8
Sector rank
#1892

Valuation

P / E
13.8
EV / EBITDA
EV / sales
3.0
FCF yield
11.14%
Earnings yield vs 10-yr
2.51pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
24.2%
EBITDA margin
ROE
10.2%
ROIC
Revenue growth
30.4%

Insider activity, last 90 days

Net open-market
$-1.91m
Buyers
0
Sellers
1

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Net income increased compared to the prior year like quarter, primarily due to the Bancorp Financial acquisition and the related growth in net interest income. Net income in the second quarter of 2026 was negatively impacted by provision for credit losses of $7.5 million, compared to $9.5 million and $2.5 million recorded in the first quarter of 2026 and second quarter of 2025, respectively. Also contributing to the increase in noninterest expense was a $641,000 increase in occupancy, furniture and equipment, a $525,000 increase in computer and data processing, a $1.7 million increase in consumer credit expense, and a $1.3 million increase in other expenses, which were all primarily driven b …OLD SECOND BANCORP INC, 10-Q, period ended 2026-06-30, filed 2026-08-06

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