OSBC
Old Second Bancorp·NASDAQ
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OSBC fundamentals
Old Second Bancorp (OSBC) released its earnings on Jan 21, 2026: revenue was 94.50M (YoY +29.11%), missed estimates; EPS was 0.54 (YoY +28.57%), beat estimates.
Revenue / YoY
94.50M
+29.11%
EPS / YoY
0.54
+28.57%
Report date
Jan 21, 2026
OSBC Earnings Call Summary for Q4,2025
- Record Financial Performance: Q4 2025 GAAP EPS of $0.54, ROTCE of 16.15%, and 5.09% NIM reflect exceptional profitability.
- Powersports Portfolio Strength: Despite 30-40bps charge-off rate, contribution margin at multiyear high, driving 2026 optimism.
- Stable Margin Outlook: NIM expected to remain above 5% in 2026, supported by liability repricing and reduced wholesale funding reliance.
- Expense Control & Buybacks: 2026 expense growth ~3%, with share buybacks likely as capital levels exceed needs.
- Growth Catalysts: Mid-single-digit loan growth target backed by $285M remaining CRE participations and strong pipeline.
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Key Indicators
Old Second Bancorp (OSBC) key financial stats and ratios, covering profitability, financial health, and leverage.
Old Second Bancorp (OSBC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Old Second Bancorp (OSBC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Old Second Bancorp (OSBC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Old Second Bancorp (OSBC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Old Second Bancorp (OSBC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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