OSBCNasdaqState Commercial BanksFiscal year ends December 31
OLD SECOND BANCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$24.84−0.04 (-0.16%)
Close on Oct 19, 2026
- Market cap
- $1.29B
- P/E (TTM)
- 14.3
- Dividend yield
- 1.01%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
23.7%+2.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +18.9% | +10.8% | +21.3% | +14.4% | |
| Net income | -5.8% | +6.0% | +23.6% | +18.0% | |
| EPS, diluted | -13.4% | +2.8% | +12.0% | +13.4% | |
| Free cash flow | -2.5% | +8.2% | +39.8% | +19.5% | |
| Dividend per share | +19.0% | +7.7% | +44.3% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.5% | 9.5% | 10.2% | |
| Return on assets | 0.7% | 1.0% | 1.3% | |
| Capex to revenue | 2.2% | 3.0% | 1.3% | |
| Diluted shares | 30M | 30M | 50M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Old Second Bancorp generated $498.59M from operations and spent $98.06M on capital expenditure, dividends and share buybacks. 35% of that went back into the business.
Generated
$498.59M
Used
$98.06M
Capital expenditure$34.03M35%Dividends$44.09M45%Share buybacks$19.94M20%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin23.7%
×Asset turnover0.05×
×Equity multiplier8.01×
=Return on equity, FY202510.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 23.7% | 0.05× | 8.01× | 10.2% |
| FY2024 | 29.9% | 0.05× | 9.11× | 13.7% |
| FY2023 | 32.1% | 0.05× | 11.18× | 17.7% |
| FY2022 | 27.0% | 0.04× | 12.56× | 14.0% |
| FY2021 | 14.7% | 0.03× | 11.44× | 5.0% |
| FY2020 | 21.5% | 0.05× | 9.70× | 9.5% |
| FY2019 | 29.8% | 0.05× | 10.48× | 15.6% |
| FY2018 | 27.8% | 0.05× | 11.78× | 15.8% |
| FY2017 | 14.4% | 0.05× | 12.34× | 8.1% |
| FY2016 | 17.0% | 0.04× | 13.07× | 9.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$80.31M
- Cash generatingOperating cash flow above zero$122.26M
- Return on assets improvedROA up on the prior year1.5% → 1.4%
- Earnings backed by cashOperating cash flow above net income$122.26M vs $80.31M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise46M → 50M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.06