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Old Second Bancorp

OSBC

Old Second Bancorp Inc is a bank holding company that operates Old Second National Bank, a community-focused financial institution primarily serving the Chicago metropolitan area.

Market cap
$1.31B+73.5%
Revenue$381.5M+30.4%
Net income$92.4M+10.4%
EPS (diluted)$1.76-3.8%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 21, 2026 (in 2 months)
Revenue estimate$97.9M
EPS estimate$0.58

Financials

Q2 2026

Income statement

See full
Revenue$96.6M+28.6%
Net income$28.2M+29.1%
EPS (diluted)$0.54+12.5%

Balance sheet

See full
Cash & equivalents$143.3M+1.1%
Total debt$375.0M
Total equity$902.8M+25.6%
Total assets$6.9B+20.5%

Valuation & ratios

Valuation

See full
Market cap$1.31B+73.5%
Enterprise value$1.55B
P/E14.2×+5.1×
P/S3.4×+0.8×

Profitability

See full
Net margin24.2%-4.4pp

Returns & leverage

See full
Return on equity11.4%-1.1pp
Debt / equity0.4×

Competitors

Profile

Old Second Bancorp Inc is a bank holding company that operates Old Second National Bank, a community-focused financial institution primarily serving the Chicago metropolitan area. The company provides a comprehensive suite of commercial and retail banking, trust, and wealth management services through a network of dozens of banking centers. Its core value proposition centers on relationship-driven service, combining local community expertise with specialized nationwide lending capabilities in niche markets.

Competitive position

A leading community bank in the western and southern Chicago suburbs with specialized nationwide lending platforms in powersports and sponsor finance.

GeographiesUnited States, Illinois, Wisconsin, Indiana, Nevada
Customer segmentsSMEs, Retail, Institutional, Public Sector
Business modelInterest Income, Fee-based Services, Asset Management
SuppliersFederal Reserve System, Federal Home Loan Bank of Chicago, Depositors, Technology and Core Processing Vendors
CustomersHomeowners, Commercial Real Estate Developers, Private Equity Firms, Powersport Vehicle Buyers, Small Business Owners
Listed1993
Employees834.0
CEOJames L. Eccher
FilingsSEC EDGAR

FAQ

What is Old Second Bancorp's market cap?
Old Second Bancorp (OSBC) has a market capitalization of $1.3B and trades on NASDAQ.
What is Old Second Bancorp's revenue and profitability?
Old Second Bancorp generated $381.5M in trailing twelve-month revenue with net income of $92.4M, representing a net margin of 24.2%. These figures are based on the Q2 2026 filing.
Who are Old Second Bancorp's competitors?
Old Second Bancorp's key competitors include JPMorgan Chase & Co., BMO Bank, Wintrust Financial Corporation, and others. These companies compete in similar markets and product categories.
Who does Old Second Bancorp partner with?
Old Second Bancorp's notable partners include Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, First Merchants Bank.
What subsidiaries does Old Second Bancorp have?
Old Second Bancorp's subsidiaries include Old Second National Bank, River Street Advisors, LLC, Old Second Affordable Housing Fund, L.L.C., and others.
Where is Old Second Bancorp headquartered?
Old Second Bancorp is headquartered in United States of America and employs approximately 834 people. It has been publicly traded since 1993.