OSBC
Old Second Bancorp·NASDAQ
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OSBC fundamentals
Old Second Bancorp (OSBC) released its earnings on Oct 22, 2025: revenue was 95.88M (YoY +34.74%), beat estimates; EPS was 0.18 (YoY -64.71%), missed estimates.
Revenue / YoY
95.88M
+34.74%
EPS / YoY
0.18
-64.71%
Report date
Oct 22, 2025
OSBC Earnings Call Summary for Q3,2025
- Record NIM and Loan Growth: Q3 NIM of 5.05% (up 20 bps) and $1.27 billion in loan growth, fueled by the Evergreen acquisition.
- Profitability Boost: Adjusted net income of $28.4 million, excluding one-time costs, with a 17% dividend hike.
- Resilient Powersports Segment: 30-39 bps charge-offs offset by 9%-9.5% loan yields, contributing to margin strength.
- Strategic Deposit Refinement: Plan to reduce high-cost deposits over 18 months, targeting core funding mix.
- Credit Resilience: ACL at 1.43% of loans, with minimal risk in classified assets and improving problem loan resolution.
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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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You can ask Aime
Did Old Second Bancorp beat or miss consensus estimates last quarter?What is Old Second Bancorp's latest dividend and current dividend yield?What is the revenue and EPS growth rate for Old Second Bancorp year over year?What were the key takeaways from Old Second Bancorp's earnings call?What is Old Second Bancorp's gross profit margin?What factors drove the changes in Old Second Bancorp's revenue and profit?What does Old Second Bancorp do and what are its main business segments?What is the market's earnings forecast for Old Second Bancorp next quarter?
