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OLD SECOND BANCORP INC

OSBC

$25.45 ▼ -0.34 (-1.30%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

OLD SECOND BANCORP INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.2B

Dividend Yield 0.98%

Revenue Growth 18.9% ↗

Op. Margin 31.8% ↘

ROIC None

FCF / Share None

Trailing P/E 15.5x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$339.33M

↑ +18.9% —

Net Income Profit after all expenses

$80.31M

↓ -5.8% —

Operating Margin Operating profit as % of sales

31.8%

↓ -19.8% 88th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.25 Latest / share

+19.0% YoY

+25.7% 9-yr CAGR

FY 2014

FY 2015

FY 2016

$0.04

FY 2017

$0.04

FY 2018

$0.04

FY 2019

$0.04

FY 2020

$0.16

FY 2021

$0.20

FY 2022

$0.20

FY 2023

$0.21

FY 2024

$0.25

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	18.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+215%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	14.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	83.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1289%)	5.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	-2.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-142%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	16.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+170%)	14.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+140%)	4.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	2.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	-0.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-103%)	-15.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-358%)	2.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	-19.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-418%)	—	—
EPS Growth YoY (%)	-13.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	128.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-29.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-28.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	123.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-3.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	15.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-91.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	54.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	90.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-5.8% Weak ↓ Weak Declining Year-over-year change in net income	-7.0% Weak ↓ Weak Declining Year-over-year change in net income	36.1% Excellent ↓ Excellent Declining Year-over-year change in net income	236.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.0% Weak ↓ Weak Declining Year-over-year change in net income	-29.5% Weak ↓ Weak Declining Year-over-year change in net income	16.0% Good ↓ Good Declining Year-over-year change in net income	124.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-3.5% Weak ↑ Weak Improving Year-over-year change in net income	1.9% Caution ↑ Caution Improving Year-over-year change in net income	51.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-87.7% Weak ↓ Weak Declining Year-over-year change in net income	N/M	98.9% Excellent Excellent Year-over-year change in net income	94.0% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	10.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	28.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	23.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-4.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-4.8% Weak Weak Compound annual revenue growth over 3 years	-11.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	21.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	18.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	18.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.1% Good → Good Stable Compound annual revenue growth over 5 years	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	9.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.6% Weak Weak Compound annual revenue growth over 5 years	-6.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	42.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	29.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	4.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-16.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	22.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	35.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	35.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.5% Caution Caution Compound annual EPS growth over 3 years	-54.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	31.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	39.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	43.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	36.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	20.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	28.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	39.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	35.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	32.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	26.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	27.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	55.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	23.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	27.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	14.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	21.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	14.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	17.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	17.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	11.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	95.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+332%)	-0.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	-6.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-88.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-500%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.1% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	-5.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	15.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	14.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	4.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	14.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	14.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	55.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+363%)	-0.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	-8.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-173%)	-129.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1178%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$6.94	$6.37	$6.41	$5.60	$4.50	$4.36	$4.43	$4.11	$3.56	$3.12	$3.00	$3.41	$6.20	$7.27	$7.13	—	—
Basic EPS, GAAP (USD)	$1.64	$1.90	$2.05	$1.51	$0.66	$0.94	$1.32	$1.14	$0.51	$0.53	$0.46	$0.46	$5.45	$-0.36	$-0.79	$-8.03	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.25	$0.21	$0.20	$0.20	$0.16	$0.04	$0.04	$0.04	$0.04	—	—	—	—	$0.00	—	$0.02	—
Book Value per Share (USD)	$17.03	$14.95	$12.92	$10.34	$11.29	$10.47	$9.28	$7.70	$6.76	$5.93	$5.29	$6.59	$10.61	$5.15	$5.27	$6.04	—
Tangible Book Value per Share (USD)	$14.12	$12.38	$10.73	$8.10	$8.98	$9.76	$9.28	$7.70	$6.76	$5.93	$5.29	$6.59	$10.61	$5.15	$5.27	$6.04	—
Basic Weighted Avg Shares (shares)	48.88M	44.83M	44.66M	44.53M	30.21M	29.62M	29.89M	29.73M	29.60M	29.53M	29.48M	25.30M	13.94M	14.07M	14.02M	—	—
Dividend Payout Ratio (%)	15.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	13.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	4.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	-0.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$896.77M	$671.03M	$577.28M	$461.14M	$502.03M	$307.09M	$277.86M	$229.08M	$200.35M	$175.21M	$155.93M	$194.16M	$147.69M	$72.55M	$74.00M	$83.96M	$197.21M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$339.33M	$285.45M	$286.11M	$249.27M	$135.97M	$129.24M	$132.56M	$122.29M	$105.25M	$92.02M	$88.38M	$86.28M	$86.44M	$102.26M	$99.96M	$123.52M	—
Depreciation Expense (USD)	$6.15M	$5.59M	$4.49M	$4.08M	$3.15M	$2.80M	$2.46M	$2.42M	$2.31M	$2.29M	$2.39M	$2.48M	$2.79M	$3.07M	$4.08M	$4.56M	—
Net Income, GAAP (USD)	$80.31M	$85.26M	$91.73M	$67.41M	$20.04M	$27.82M	$39.45M	$34.01M	$15.14M	$15.68M	$15.38M	$10.14M	$82.08M	$-72.00K	$-6.50M	$-108.65M	—
Operating Cash Flow (USD)	$122.26M	$131.53M	$116.40M	$97.34M	$31.05M	$25.99M	$52.64M	$54.91M	$37.10M	$27.26M	$21.14M	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	4.2%	4.3%	4.4%	3.5%	1.6%	3.0%	3.7%	3.4%	3.1%	2.8%	—	2.8%	2.8%	2.9%	3.3%	3.7%	—
Efficiency Ratio (%) (%)	60.1%	56.0%	50.8%	60.6%	76.3%	63.0%	59.7%	63.1%	65.7%	72.6%	77.4%	85.4%	96.2%	93.9%	97.6%	81.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 66 quarters

OLD SECOND BANCORP INC

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17-Year Financial Trajectory

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