OSBC
OLD SECOND BANCORP INC
NASDAQ · Financial Services · Banks - Regional · US
$25.23
+0.96%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 429.6M | 397.0M | 336.2M | 321.0M | 255.2M |
| Cost of Revenue | 70.7M | 86.8M | 69.0M | 56.5M | 16.9M |
| Gross Profit | 358.9M | 310.2M | 267.1M | 264.5M | 238.4M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 114.0M | 129.2M | 103.1M | 93.2M | 90.8M |
| General & Admin Expense | 112.0M | 127.9M | 101.8M | 92.5M | 90.2M |
| Selling & Marketing Expense | 1.9M | 1.3M | 1.2M | 721.0K | 589.0K |
| Other Expenses | 92.0M | 70.2M | 51.1M | 46.9M | 56.0M |
| Total Operating Expenses | 205.9M | 199.4M | 154.2M | 140.1M | 146.8M |
| Cost and Expenses | 276.7M | 286.2M | 223.2M | 196.6M | 163.7M |
| Operating Income (EBIT) | 152.9M | 110.8M | 113.0M | 124.4M | 91.5M |
| Non-Operating | |||||
| Interest Income | 403.9M | 354.1M | 295.6M | 290.1M | 215.5M |
| Interest Expense | 72.4M | 62.2M | 56.3M | 40.0M | 10.3M |
| Net Interest Income | 331.6M | 291.8M | 239.4M | 250.0M | 205.2M |
| Other Non-Op Income/Expense | (3.0M) | (3.0M) | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 149.9M | 107.8M | 113.0M | 124.4M | 91.5M |
| Income Tax Expense | 38.4M | 27.4M | 27.7M | 32.7M | 24.1M |
| Bottom Line | |||||
| Net Income | 111.5M | 80.3M | 85.3M | 91.7M | 67.4M |
| Earnings from Cont. Ops | 111.5M | 80.3M | 85.3M | 91.7M | 67.4M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 111.5M | 80.3M | 85.3M | 91.7M | 67.4M |
| Per Share | |||||
| Basic EPS | $2.16 | $1.64 | $1.90 | $2.05 | $1.51 |
| Diluted EPS | $2.12 | $1.62 | $1.87 | $2.02 | $1.49 |
| Revenue Per Share | $8.54 | $7.54 | $7.50 | $7.19 | $5.73 |
| Shares | |||||
| Basic Shares Outstanding | 50.3M | 52.7M | 44.8M | 44.7M | 44.5M |
| Diluted Shares Outstanding | 51.1M | 53.5M | 45.6M | 45.4M | 45.2M |
| Profitability Metrics | |||||
| EBITDA | 158.8M | 122.0M | 122.1M | 132.1M | 98.4M |
| D&A | 5.8M | 11.3M | 9.2M | 7.7M | 6.9M |
| EBIT | 152.9M | 110.8M | 113.0M | 124.4M | 91.5M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026