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Stocks · Financials · State Commercial Banks

OLD SECOND BANCORP INC

OSBC Clue Score62
United States Fiscal year ends December CIK 0000357173
$24.61 -1.01% Close, 9 Oct 2026
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Price $24.61 +83.25% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income15.7EPS, diluted0.53Fiscal year 2017Net income15.1 −3.5%EPS, diluted0.50 −5.7%Fiscal year 2018Net income34.0 +124.7%EPS, diluted1.12 +124.0%Fiscal year 2019Net income39.5 +16.0%EPS, diluted1.30 +16.1%Fiscal year 2020Net income27.8 −29.5%EPS, diluted0.92 −29.2%Fiscal year 2021Net income20.0 −28.0%EPS, diluted0.65 −29.3%Fiscal year 2022Net income67.4 +236.3%EPS, diluted1.49 +129.2%Fiscal year 2023Net income91.7 +36.1%EPS, diluted2.02 +35.6%Fiscal year 2024Net income85.3 −7.0%EPS, diluted1.87 −7.4%Fiscal year 2025Net income80.3 −5.8%EPS, diluted1.62 −13.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 15.7 15.1 34.0 39.5 27.8 20.0 67.4 91.7 85.3 80.3
Growth −3.5% +124.7% +16.0% −29.5% −28.0% +236.3% +36.1% −7.0% −5.8%
EPS, diluted 0.53 0.50 1.12 1.30 0.92 0.65 1.49 2.02 1.87 1.62
Growth −5.7% +124.0% +16.1% −29.2% −29.3% +129.2% +35.6% −7.4% −13.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow27.3Capital expenditure−2.0Free cash flow25.3Buybacks−0.3Dividends paid−0.9Fiscal year 2017Operating cash flow37.1Capital expenditure−1.1Free cash flow36.1 +42.7%Buybacks−0.2Dividends paid−1.2Fiscal year 2018Operating cash flow54.9Capital expenditure−1.9Free cash flow53.0 +47.1%Buybacks−0.5Dividends paid−1.2Fiscal year 2019Operating cash flow52.6Capital expenditure−4.4Free cash flow48.3 −9.0%Buybacks−0.7Dividends paid−1.2Fiscal year 2020Operating cash flow26.0Capital expenditure−3.9Free cash flow22.1 −54.3%Buybacks−5.9Dividends paid−1.2Fiscal year 2021Operating cash flow31.0Capital expenditure−2.0Free cash flow29.0 +31.5%Buybacks−10.4Dividends paid−4.6Fiscal year 2022Operating cash flow97.3Capital expenditure−4.3Free cash flow93.0 +220.6%Buybacks−0.5Dividends paid−8.9Fiscal year 2023Operating cash flow116.4Capital expenditure−12.4Free cash flow104.0 +11.8%Buybacks−0.6Dividends paid−8.9Fiscal year 2024Operating cash flow131.5Capital expenditure−10.8Free cash flow120.7 +16.1%Buybacks−1.0Dividends paid−9.4Fiscal year 2025Operating cash flow122.3Capital expenditure−4.5Free cash flow117.8 −2.5%Buybacks−7.4Dividends paid−12.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 27.3 37.1 54.9 52.6 26.0 31.0 97.3 116.4 131.5 122.3
Capital expenditure −2.0 −1.1 −1.9 −4.4 −3.9 −2.0 −4.3 −12.4 −10.8 −4.5
Free cash flow 25.3 36.1 53.0 48.3 22.1 29.0 93.0 104.0 120.7 117.8
Growth +42.7% +47.1% −9.0% −54.3% +31.5% +220.6% +11.8% +16.1% −2.5%
Buybacks −0.3 −0.2 −0.5 −0.7 −5.9 −10.4 −0.5 −0.6 −1.0 −7.4
Dividends paid −0.9 −1.2 −1.2 −1.2 −1.2 −4.6 −8.9 −8.9 −9.4 −12.2

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash47.3Shareholders’ equity175.2Fiscal year 2017Cash55.8Shareholders’ equity200.4Fiscal year 2018Cash55.2Shareholders’ equity229.1Fiscal year 2019Cash50.6Shareholders’ equity277.9Fiscal year 2020Cash329.9Shareholders’ equity307.1Fiscal year 2021Cash752.1Shareholders’ equity502.0Fiscal year 2022Cash115.2Shareholders’ equity461.1Fiscal year 2023Cash100.1Shareholders’ equity577.3Fiscal year 2024Cash99.3Shareholders’ equity671.0Fiscal year 2025Cash124.0Shareholders’ equity896.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 47.3 55.8 55.2 50.6 329.9 752.1 115.2 100.1 99.3 124.0
Shareholders’ equity 175.2 200.4 229.1 277.9 307.1 502.0 461.1 577.3 671.0 896.8

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
36.0% 55.9% 22.6% 23.9% 25.6% 28.1% 26.4% 26.3% 24.5% 25.5%
Returns
9.0% 7.6% 14.8% 14.2% 9.1% 4.0% 14.6% 15.9% 12.7% 9.0%
0.7% 0.6% 1.3% 1.5% 0.9% 0.3% 1.1% 1.6% 1.5% 1.2%
Balance and payout
92.2% 91.6% 91.4% 89.5% 89.9% 91.9% 92.2% 89.9% 88.1% 87.0%
5.7% 7.8% 3.5% 3.0% 4.3% 23.0% 13.2% 9.8% 11.0% 15.2%
4.5% 3.9% 3.2% 3.9% 32.2% 51.8% 10.0% 9.2% 8.7% 16.7%