OSBC
Old Second Bancorp Inc
NASDAQ: OSBC · FINANCIAL SERVICES · BANKS - REGIONAL
$20.61
+0.49% today
Updated 2026-04-30
Market cap
$1.07B
P/E ratio
12.20
P/S ratio
3.30x
EPS (TTM)
$1.67
Dividend yield
1.30%
52W range
$15 – $22
Volume
0.4M
Old Second Bancorp Inc (OSBC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $170.74M | $187.60M | $193.19M | $175.70M | $151.59M | $120.01M | $110.75M | $98.78M | $95.75M | $97.06M | $100.50M | $116.54M | $136.99M | $149.44M | $139.51M | $141.89M | $255.24M | $321.03M | $336.17M | $396.97M |
| Revenue growth (YoY) | — | +9.9% | +3.0% | -9.1% | -13.7% | -20.8% | -7.7% | -10.8% | -3.1% | +1.4% | +3.5% | +16.0% | +17.5% | +9.1% | -6.6% | +1.7% | +79.9% | +25.8% | +4.7% | +18.1% |
| Cost of revenue | $72.07M | $88.33M | $98.73M | $142.23M | $117.74M | $30.36M | $22.02M | $5.24M | $7.68M | $4.68M | $10.69M | $14.43M | $17.91M | $20.43M | $22.88M | $12.78M | $16.87M | $56.54M | $69.02M | $86.77M |
| Gross profit | $98.66M | $99.27M | $94.46M | $33.47M | $33.85M | $89.65M | $88.73M | $93.55M | $88.07M | $92.39M | $89.81M | $102.11M | $119.08M | $129.00M | $116.63M | $129.11M | $238.37M | $264.49M | $267.15M | $310.20M |
| Gross margin | 57.8% | 52.9% | 48.9% | 19.0% | 22.3% | 74.7% | 80.1% | 94.7% | 92.0% | 95.2% | 89.4% | 87.6% | 86.9% | 86.3% | 83.6% | 91.0% | 93.4% | 82.4% | 79.5% | 78.1% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $35.88M | $38.11M | $45.99M | $44.96M | $43.68M | $42.19M | $42.40M | $43.03M | $39.90M | $42.02M | $42.56M | $46.16M | $52.60M | $53.68M | $56.32M | $59.88M | $90.19M | $92.48M | $101.84M | $127.88M |
| Operating income | $33.53M | $32.79M | $14.15M | $-111.16M | $-66.78M | $-6.50M | $-72000.00 | $11.84M | $15.90M | $24.36M | $24.50M | $34.30M | $43.94M | $51.86M | $37.41M | $27.87M | $91.55M | $124.41M | $112.96M | $110.75M |
| Operating margin | 19.6% | 17.5% | 7.3% | -63.3% | -44.1% | -5.4% | -0.1% | 12.0% | 16.6% | 25.1% | 24.4% | 29.4% | 32.1% | 34.7% | 26.8% | 19.6% | 35.9% | 38.8% | 33.6% | 27.9% |
| EBITDA | $41.06M | $39.37M | $21.32M | $-104.51M | $-60.96M | $-1.57M | $4.40M | $16.74M | $19.56M | $26.75M | $26.81M | $36.70M | $46.75M | $54.86M | $40.70M | $31.66M | $98.43M | $132.11M | $122.12M | $120.83M |
| EBITDA margin | 24.0% | 21.0% | 11.0% | -59.5% | -40.2% | -1.3% | 4.0% | 16.9% | 20.4% | 27.6% | 26.7% | 31.5% | 34.1% | 36.7% | 29.2% | 22.3% | 38.6% | 41.2% | 36.3% | 30.4% |
| EBIT | $33.53M | $32.79M | $14.15M | $-111.16M | $-66.78M | $-6.50M | $-72000.00 | $11.84M | $15.90M | $24.36M | $24.50M | $34.30M | $43.94M | $51.86M | $37.41M | $27.87M | $91.55M | $124.41M | $112.96M | $110.75M |
| Interest expense | $70.83M | $87.14M | $68.41M | $45.51M | $28.07M | $21.47M | $15.73M | $13.79M | $10.98M | $9.08M | $9.94M | $12.63M | $16.68M | $18.84M | $12.46M | $8.45M | $10.32M | $40.04M | $56.27M | $62.22M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $23.66M | $23.97M | $11.82M | $-65.59M | $-108.65M | $-6.50M | $-72000.00 | $82.08M | $10.14M | $15.38M | $15.68M | $15.14M | $34.01M | $39.45M | $27.82M | $20.04M | $67.41M | $91.73M | $85.26M | $80.31M |
| Net income growth (YoY) | — | +1.3% | -50.7% | -654.7% | -65.7% | +94.0% | +98.9% | +114106.9% | -87.7% | +51.8% | +1.9% | -3.5% | +124.7% | +16.0% | -29.5% | -28.0% | +236.3% | +36.1% | -7.0% | -5.8% |
| Profit margin | 13.9% | 12.8% | 6.1% | -37.3% | -71.7% | -5.4% | -0.1% | 83.1% | 10.6% | 15.9% | 15.6% | 13.0% | 24.8% | 26.4% | 19.9% | 14.1% | 26.4% | 28.6% | 25.4% | 20.2% |