OSBC
Old Second Bancorp·NASDAQ
--
--(--)
--
--(--)
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.
Earnings
EPS
Revenue
Revenue & Expenses
Key Indicators
Old Second Bancorp (OSBC) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
Old Second Bancorp (OSBC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
Trend
Breakdown
Balance Sheet
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.
Trend
Breakdown
Cash Flow
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.
Trend
Breakdown
Revenue Breakdown
Where does Old Second Bancorp (OSBC) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Dividend
Track Old Second Bancorp (OSBC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
Did Old Second Bancorp beat or miss consensus estimates last quarter?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 were the key takeaways from Old Second Bancorp’s earnings call?What is the market's earnings forecast for Old Second Bancorp next quarter?What is Old Second Bancorp's latest dividend and current dividend yield?What does Old Second Bancorp do and what are its main business segments?What factors drove the changes in Old Second Bancorp's revenue and profit?
ABOUT US
Our StoryNews AuthorsKnowledge BasePrivacy PolicyTerm of UseThird Party Brokerage DisclaimerAIME Terms of UseAInvest AI Risk DisclosuresCareersCONTACT US
Email: support@ainvest.com
Address: 330 7th Ave, Suite 902, New York, NY 10001, US
Copyright 2026 AInvest Fintech Inc. All rights reserved.
