How consistent is OSBC's earnings growth trend?

Old Second Bancorp (OSBC) has demonstrated a generally increasing trend in net income and total revenue over the past year, with some fluctuations. The net income growth rate was 4.86% year-over-year, and the revenue growth rate was 4.62% year-over-year. 1. **Earnings Growth Trend**: OSBC's net income has shown a positive trend, with a net income of $19.11 million in the most recent quarter ending on December 31, 2024, compared to $18.13 million in the previous quarter. This indicates a consistent upward trajectory in earnings. |code|Ticker|Name|Date|Net Income YoY|Total Revenue YoY|market_code| |---|---|---|---|---|---|---| |OSBC|OSBC.O|Old Second Bancorp|2024 Q1|-9.721692718261533|-1.6126322862422309|185| |OSBC|OSBC.O|Old Second Bancorp|2024 Q2|-14.361161098505596|-1.3732016768101611|185| |OSBC|OSBC.O|Old Second Bancorp|2024 Q3|-5.687281693034723|-2.3975749927990453|185| |OSBC|OSBC.O|Old Second Bancorp|2024 Q4|4.8559670781893|4.616659996569664|185| 2. **Revenue Growth Trend**: Similarly, the total revenue has also been on an upward trend, with the latest reported revenue of $73.19 million compared to $70.46 million in the previous quarter. This suggests a strong and consistent increase in revenue over the same period. 3. **Market Performance and Analyst Ratings**: The stock's performance has been positive, with an average analyst price target of $22.33, indicating a potential upside from the current price. The consensus rating is "Buy," which further supports the positive outlook for OSBC. In conclusion, OSBC's earnings growth trend has been consistent, with both net income and total revenue showing positive year-over-year growth. The bank's financial performance and market sentiment suggest a favorable outlook for investors.