Old Second Bancorp Inc
NASDAQ: OSBC · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-04
Old Second Bancorp Inc (OSBC) Financial statements
SEC filings — annual and quarterly data.
Margin trends — annual
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $170.74M | $23.66M | 57.79% | 19.64% | 13.86% |
| 2007 | $187.60M | $23.97M | 52.91% | 17.48% | 12.78% |
| 2008 | $193.19M | $11.82M | 48.90% | 7.32% | 6.12% |
| 2009 | $175.70M | $-65.59M | 19.05% | -63.27% | -37.33% |
| 2010 | $151.59M | $-108.65M | 22.33% | -44.05% | -71.67% |
| 2011 | $120.01M | $-6.50M | 74.70% | -5.41% | -5.41% |
| 2012 | $110.75M | $-72000.00 | 80.12% | -0.07% | -0.07% |
| 2013 | $98.78M | $82.08M | 94.70% | 11.99% | 83.10% |
| 2014 | $95.75M | $10.14M | 91.97% | 16.60% | 10.59% |
| 2015 | $97.06M | $15.38M | 95.18% | 25.10% | 15.85% |
| 2016 | $100.50M | $15.68M | 89.37% | 24.38% | 15.61% |
| 2017 | $116.54M | $15.14M | 87.62% | 29.43% | 12.99% |
| 2018 | $136.99M | $34.01M | 86.93% | 32.07% | 24.83% |
| 2019 | $149.44M | $39.45M | 86.33% | 34.70% | 26.40% |
| 2020 | $139.51M | $27.82M | 83.60% | 26.81% | 19.95% |
| 2021 | $141.89M | $20.04M | 91.00% | 19.64% | 14.13% |
| 2022 | $255.24M | $67.41M | 93.39% | 35.87% | 26.41% |
| 2023 | $321.03M | $91.73M | 82.39% | 38.75% | 28.57% |
| 2024 | $336.17M | $85.26M | 79.47% | 33.60% | 25.36% |
| 2025 | $396.97M | $80.31M | 78.14% | 27.90% | 20.23% |
Frequently asked questions
What is Old Second Bancorp Inc's revenue?
Old Second Bancorp Inc's trailing twelve-month revenue is $324.91M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is OSBC?
In its most recent fiscal year, OSBC ran a gross margin of 78.14%, an operating margin of 27.90%, and a net margin of 20.23%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does OSBC generate?
OSBC produced $117.76M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is OSBC's balance sheet healthy?
OSBC holds $124.03M in cash and equivalents against $100.15M in long-term debt, on $896.77M of shareholder equity. Cash on hand exceeds long-term debt, so the balance sheet adds little financial risk to the thesis.