OLD SECOND BANCORP INC

OSBC

OLD SECOND BANCORP INC

OSBC

Insider Sentiment (TTM):

Last Purchase:2026-05-11Last Sale:2026-05-22Shares Purchased (TTM):24Shares Sold (TTM):170,936

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:36,793,401Shares Outstanding:52,450,306Institutional Ownership Pct.:70.15%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	48	48	52	53	63	53	52	63	55	49	56	56
Interest Bearing Deposits In Banks	95	68	72	63	78	203	47	52	66	49	45	53
Cash And Cash Equivalents At Carrying Value	143	116	124	117	142	256	99	116	121	98	100	109
Debt Securities Available For Sale Excluding Accru…	1,041	1,115	1,091	1,157	1,178	1,147	1,162	1,191	1,174	1,169	1,193	1,230
Federal Home Loan Bank Stock And Federal Reserve B…	40	31	32	28	19	19	19	30	32	29	33	36
Loans Receivable Held For Sale Amount	2	4	4	1	3	4	2	2	2	1	1	2
Assets
Assets	6,870	6,849	6,903	6,992	5,701	5,728	5,649	5,672	5,663	5,616	5,723	5,758
Property Plant And Equipment Net	85	86	87	88	86	87	87	83	83	81	79	76
Real Estate Acquired Through Foreclosure	1	1	1	6	6	3	22	8	7	5	5	0
Servicing Asset At Fair Value Amount	10	10	9	10	10	10	10	10	10	11	10	11
Goodwill	129	129	129	130	93	93	93	86	86	86	86	86
Intangible Assets Net Excluding Goodwill	21	23	24	25	20	21	22	9	10	11	11	12
Bank Owned Life Insurance	133	132	130	129	114	113	113	111	111	110	109	108
Deferred Income Tax Assets Net	29	31	31	33	20	24	27	22	29	32	31	44
Other Assets	61	59	60	77	54	51	56	56	63	58	64	65
Liabilities
Noninterest Bearing Deposit Liabilities	1,747	1,756	1,739	1,738	1,704	1,714	1,705	1,669	1,728	1,800	1,835	1,863
Interest Bearing Deposit …
Deposits
Deposits	5,445	5,565	5,596	5,760	4,798	4,853	4,769	4,465	4,522	4,608	4,571	4,614
Interest Bearing Deposit Liabilities Domestic	2,772	2,795	2,746	2,764	2,400	2,435	2,315	2,126	2,161	2,222	2,208	2,274
Time Deposits	926	1,014	1,111	1,258	694	705	749	671	632	587	528	478
Securities Sold Under Agreements To Repurchase	23	23	24	24	47	39	37	54	47	34	26	26
Other Short Term Borrowings	375	200	215	165	-	-	20	335	330	220	405	435
Junior Subordinated Debenture Owed To Unconsolidat…	26	26	26	26	26	26	26	26	26	26	26	26
Subordinated Debt	30	60	60	60	60	59	59	59	59	59	59	59
Notes And Loans Payable	15	15	15	15	-	-	-	-	-	-	-	-
Other Liabilities	54	68	71	75	52	56	68	71	60	73	58	65
Liabilities	5,967	5,956	6,006	6,125	4,983	5,033	4,978	5,010	5,043	5,020	5,146	5,226
Common Stock Value	53	53	53	53	45	45	45	45	45	45	45	45
Additional Paid In Capital	340	338	341	340	206	205	205	205	204	203	202	202
Stockholders Equity
Stockholders Equity	903	893	897	867	719	694	671	661	619	596	577	533
Retained Earnings Accumulated Deficit	584	559	537	512	505	486	469	453	432	412	393	377
Accumulated Other Comprehensive Income Loss Net Of…	-32	-31	-29	-32	-37	-41	-48	-40	-61	-63	-63	-91
Treasury Stock Common Value	-42	-26	-6	-6	-1	-1	-1	-1	-1	-1	-0	-0
Liabilities And Stockholders Equity	6,870	6,849	6,903	6,992	5,701	5,728	5,649	5,672	5,663	5,616	5,723	5,758
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	120	120	120	120	120	60	60	60	60	60	60	60
Common Stock Shares Issued	53	53	53	53	45	45	45	45	45	45	45	45
Shares Outstanding	51	52	53	53	45	45	45	45	45	45	45	45
Treasury Stock Common Shares	2	1	0	0	0	0	0	0	0	0	7	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.14%	10.91%	13.99%	-	-	-	-	-	-	-	-	-
2025	-0.30%	6.69%	7.96%	11.47%	6.34%	12.08%	3.57%	9.34%	9.34%	-3.81%	8.46%	1.38%
2024	0.70%	3.13%	19.43%	10.30%	-0.13%	6.28%	4.44%	0.17%	3.43%	-3.08%	-9.23%	-4.34%
2023	-	-	-	-7.73%	-16.50%	-16.87%	7.88%	11.64%	2.43%	2.14%	3.90%	6.57%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.62	-0.63	-0.46	-0.17	0.83	3.07	3.01	3.04	3.27	3.55	4.11	5.20
Per Share Metrics
Diluted EPS TTM	1.77	1.61	1.62	1.32	1.83	1.83	1.87	1.85	1.88	1.96	2.02	2.14
Free Cash Flow Per Share TTM	2.77	2.63	2.41	1.83	2.39	2.07	2.69	2.76	3.44	2.56	2.33	2.57
Dividend Per Share TTM	0.28	0.25	0.25	0.21	0.23	0.22	0.21	0.20	0.20	0.20	0.20	0.20
Margin Metrics
Gross Profit Margin TTM	32.26%	-407.89%	-369.77%	-711.27%	-467.46%	-522.37%	-582.73%	-426.35%	-400.20%	-370.71%	-308.44%	-238.56%
Operating Profit Margin TTM	111.30%	854.00%	813.58%	1,084.50%	974.85%	1,028.58%	1,104.60%	1,076.15%	1,135.20%	1,198.12%	1,269.08%	1,423.56%
Net Profit Margin TTM	82.80%	635.73%	606.39%	816.19%	737.62%	779.08%	833.80%	806.99%	845.46%	886.01%	935.72%	1,052.78%
Growth Metrics
Net Revenue Growth (1Y)	883.56%	25.89%	29.51%	-17.23%	11.88%	6.54%	4.32%	13.34%	7.79%	6.71%	-0.85%	-32.47%
Net Income Growth (1Y)	10.40%	2.72%	-5.81%	-16.29%	-2.39%	-6.32%	-7.05%	-13.12%	-7.09%	13.22%	36.09%	179.70%
EPS Growth (1Y)	-2.95%	-11.93%	-13.61%	-28.74%	-2.84%	-6.76%	-7.39%	-13.46%	-7.47%	12.87%	35.67%	179.01%
Valuation Metrics
P/E TTM	12.90	12.21	11.75	12.72	9.39	8.75	9.13	8.06	7.51	6.69	7.24	6.01
P/B TTM	1.32	1.18	1.05	1.04	1.09	1.06	1.16	1.03	1.04	1.00	1.15	1.10
P/S TTM	10.68	77.63	71.27	103.85	69.24	68.15	76.10	65.05	63.51	59.32	67.78	63.26
Market Cap	1.19B	1.05B	943.89M	898.70M	785.84M	732.88M	778.17M	680.18M	644.21M	598.76M	664.40M	583.61M
Enterprise Value	1.06B	950.01M	834.69M	796.98M	644.07M	476.76M	678.84M	564.42M	523.32M	500.67M	564.26M	474.58M
Calculated Values
Free Cash Flow TTM	142.16M	137.70M	117.76M	96.25M	107.69M	92.92M	120.75M	123.82M	154.26M	114.64M	104.03M	114.73M
Net Debt	-128.48M	-100.89M	-109.20M	-101.71M	-141.77M	-256.12M	-99.33M	-115.77M	-120.89M	-98.09M	-100.15M	-109.03M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-22Sale

Owner: Collins, Gary S

Title: VICE CHAIRMAN

Shares: 5,120

Price/Share: $21.12

Value: $108,134.40

Shares Owned: 58,136

Relationship: Director,Officer

Ownership: Indirect

2026-05-21Sale

Owner: Collins, Gary S

Title: VICE CHAIRMAN

Shares: 10,000

Price/Share: $21.12

Value: $211,200.00

Shares Owned: 63,256

Relationship: Director,Officer

Ownership: Indirect

2026-05-11Purchase

Owner: Lyons, Billy J Jr.

Title: -

Shares: 24

Price/Share: $20.90

Value: $501.60

Shares Owned: 20,097

Relationship: Director

Ownership: Direct

2026-05-11Sale

Owner: Pilmer, Donald

Title: EVP

Shares: 25,000

Price/Share: $20.75

Value: $518,750.00

Shares Owned: 48,054

Relationship: Officer

Ownership: Direct

2026-05-08Sale

Owner: Collins, Gary S

Title: VICE CHAIRMAN

Shares: 10,000

Price/Share: $21.24

Value: $212,400.00

Shares Owned: 30,136

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-22	Collins, Gary S	Director,Officer	VICE CHAIRMAN	Indirect	Sale	5,120	21.12	$108,134.40	58,136	4
2026-05-21	Collins, Gary S	Director,Officer	VICE CHAIRMAN	Indirect	Sale	10,000	21.12	$211,200.00	63,256	4
2026-05-11	Lyons, Billy J Jr.	Director	-	Direct	Purchase	24	20.90	$501.60	20,097	4
2026-05-11	Pilmer, Donald	Officer	EVP	Direct	Sale	25,000	20.75	$518,750.00	48,054	4
2026-05-08	Collins, Gary S	Director,Officer	VICE CHAIRMAN	Direct	Sale	10,000	21.24	$212,400.00	30,136	4
2026-03-20	Collins, Gary S	Director,Officer	VICE CHAIRMAN	Direct	Sale	22,154	19.38	$429,344.52	40,136	4
2026-02-18	Campbell, Darin Patrick	Director,Officer	President, Powersports Lending	Direct	Sale	35,000	20.94	$732,900.00	274,589	4
2026-02-13	Campbell, Darin Patrick	Director,Officer	President, Powersports Lending	Direct	Sale	91	20.70	$1,883.70	309,589	4
2026-02-05	Gartelmann, Richard A Jr	Officer	EVP	Direct	Sale	2,000	20.98	$41,960.00	24,874	4
2026-01-15	Ladowicz, John	Director	-	Indirect	Sale	4,762	20.95	$99,763.90	144,892	4
2025-12-09	Ladowicz, John	Director	-	Indirect	Sale	12,500	20.00	$250,000.00	149,654	4
2025-11-26	Ladowicz, John	Director	-	Indirect	Sale	13,150	19.01	$249,981.50	162,154	4
2025-10-31	Campbell, Darin Patrick	Director,Officer	President, Powersports Lending	Indirect	Sale	31,159	17.89	$557,434.51	0	4
2025-08-04	Lyons, Billy J Jr.	Director	-	Direct	Purchase	25	16.61	$415.25	16,946	4
2025-02-10	Lyons, Billy J Jr.	Director	-	Direct	Purchase	22	19.02	$418.44	13,815	4
2024-12-23	Temple, Rocks Patti	Director	-	Indirect	Purchase	5,625	17.79	$100,068.75	18,679	4
2024-11-06	Ladowicz, John	Director	-	Indirect	Sale	13,888	18.27	$253,733.76	175,304	4
2024-11-04	Lyons, Billy J Jr.	Director	-	Direct	Purchase	26	16.15	$419.90	13,793	4
2024-08-05	Lyons, Billy J Jr.	Director	-	Direct	Purchase	23	14.86	$341.78	13,767	4
2024-07-22	Ladowicz, John	Director	-	Indirect	Sale	30,585	16.22	$496,088.70	189,192	4
2024-05-08	Collins, Gary S	Director,Officer	VICE CHAIRMAN	Direct	Sale	21,002	14.23	$298,862.87	46,624	4
2024-05-06	Lyons, Billy J Jr.	Director	-	Direct	Purchase	24	14.44	$346.56	13,720	4
2024-04-23	Collins, Gary S	Director,Officer	VICE CHAIRMAN	Direct	Sale	22,267	14.57	$324,430.19	67,626	4
2024-02-06	Lyons, Billy J Jr.	Director	-	Direct	Purchase	26	13.46	$349.96	8,447	4
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Institutional Ownership

No data available for chart

2026-03-31

70.15%

Inst. Shares: 36,793,401

Shares Outstanding: 52,450,306

2025-12-31

75.56%

Inst. Shares: 36,932,201

Shares Outstanding: 48,875,540

2025-09-30

67.51%

Inst. Shares: 35,569,763

Shares Outstanding: 52,686,391

2025-06-30

70.64%

Inst. Shares: 31,824,219

Shares Outstanding: 45,053,650

2025-03-31

71.45%

Inst. Shares: 32,131,664

Shares Outstanding: 44,967,726

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	36,793,401	52,450,306	70.15%
2025-12-31	36,932,201	48,875,540	75.56%
2025-09-30	35,569,763	52,686,391	67.51%
2025-06-30	31,824,219	45,053,650	70.64%
2025-03-31	32,131,664	44,967,726	71.45%
2024-12-31	31,535,606	44,828,290	70.35%
2024-09-30	31,111,019	44,850,325	69.37%
2024-06-30	30,309,526	44,846,848	67.58%
2024-03-31	27,124,907	44,758,559	60.60%
2023-12-31	27,501,881	44,663,722	61.58%
2023-09-30	27,009,049	44,675,489	60.46%
2023-06-30	26,559,608	44,665,127	59.46%
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OLD SECOND BANCORP INC (OSBC) — SEC Financial Statements & Analysis

OLD SECOND BANCORP INC (OSBC) is a state commercial banks company, incorporated in DE. OLD SECOND BANCORP INC trades on Nasdaq as: OSBC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OLD SECOND BANCORP INC reported a 883.56% year-over-year revenue growth, a Gross Profit Margin of 32.26% (TTM), a Price-to-Sales (P/S) ratio of 10.68x (TTM), a Price-to-Book (P/B) ratio of 1.32x (TTM), at a market cap of $1.19B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 883.56%
Gross Profit Margin TTM: 32.26%
P/S TTM: 10.68x
P/B TTM: 1.32x
Market Cap: $1.19B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is OLD SECOND BANCORP INC in?

OLD SECOND BANCORP INC (OSBC) operates in the State Commercial Banks industry.

What is OSBC's market cap?

OLD SECOND BANCORP INC (OSBC) has a market capitalization of $1.19B as of 2026-06-30.

What is OSBC's P/E ratio?

OLD SECOND BANCORP INC (OSBC)'s trailing twelve month P/E ratio is 12.90x as of 2026-06-30.

What exchange does OSBC trade on?

OLD SECOND BANCORP INC (OSBC) trades on the Nasdaq.

Where is OLD SECOND BANCORP INC incorporated?

OLD SECOND BANCORP INC is incorporated in DE.