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Old Second Bancorp OSBC Q1 2025 earnings

Reported April 23, 2025 · After market close

Revenue$71.7MBeat by $11.1M
EPS$0.45Beat by $0.02
Revenue estimate$60.6M
EPS estimate$0.43

Next report

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

Financials

Q1 2025

Income statement

See full
Revenue$73.1M+4.0%
Net income$19.8M-7.0%
EPS (diluted)$0.43-8.5%

Balance sheet

See full
Cash & equivalents$256.1M+161%
Total equity$694.5M+16.5%
Total assets$5.7B+2.0%

Cash flow

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Operating cash flow$17.8M-62.4%
CapEx$1.6M-51.7%
Free cash flow$16.2M-63.2%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$749.58M+19.4%
P/E8.9×+1.9×
P/S2.6×+0.4×

Profitability

See full
Net margin29.1%-2.3pp
FCF margin32.2%—

Returns & leverage

See full
Return on equity13%-3.4pp

Segments

By product

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Fiduciary And Trust$3.1M+20.6%
Deposit Account$3.0M+23.2%
Mortgage Servicing$480.0K-1.6%
Mortgage Banking$73.0K+46.0%

FAQ

When did Old Second Bancorp report Q1 2025 earnings?
Old Second Bancorp (OSBC) reported Q1 2025 earnings on April 23, 2025 after market close.
What were Old Second Bancorp's Q1 2025 revenue and EPS?
Old Second Bancorp reported revenue of $71.7M and eps of $0.45 for Q1 2025.
Did Old Second Bancorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $60.6M by $11.1M. EPS beat the consensus estimate of $0.43 by $0.02.
Where can I find Old Second Bancorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0000357173-25-000032) and the 10-Q periodic report (0000357173-25-000035) directly on SEC EDGAR. The filing index links above go to sec.gov.