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Old Second Bancorp OSBC Q1 2026 earnings

Reported April 22, 2026 · After market close

Revenue$93.8MBeat by $599.0K
EPS$0.49Miss by $0.03
Revenue estimate$93.2M
EPS estimate$0.52

Next report

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

Financials

Q1 2026

Income statement

See full
Revenue$93.8M+28.3%
Net income$25.6M+29.0%
EPS (diluted)$0.48+11.6%

Balance sheet

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Cash & equivalents$115.7M-54.8%
Total debt$200.0M—
Total equity$893.3M+28.6%
Total assets$6.8B+19.6%

Cash flow

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Operating cash flow$36.9M+107%
CapEx$769.0K-52.2%
Free cash flow$36.2M+123%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$1.06B+41.7%
Enterprise value$1.15B—
P/E12.3×+3.4×
P/S3×+0.4×

Profitability

See full
Net margin23.9%-5.2pp
FCF margin38.3%+6.0pp

Returns & leverage

See full
Return on equity10.8%-2.1pp
Debt / equity0.2×—

Segments

By product

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Fiduciary And Trust$3.4M+9.5%
Deposit Account$3.1M+5.0%
Mortgage Servicing$497.0K+3.5%
Mortgage Banking$121.0K+65.8%

FAQ

When did Old Second Bancorp report Q1 2026 earnings?
Old Second Bancorp (OSBC) reported Q1 2026 earnings on April 22, 2026 after market close.
What were Old Second Bancorp's Q1 2026 revenue and EPS?
Old Second Bancorp reported revenue of $93.8M and eps of $0.49 for Q1 2026.
Did Old Second Bancorp beat estimates in Q1 2026?
Revenue beat the consensus estimate of $93.2M by $599.0K. EPS missed the consensus estimate of $0.52 by $0.03.
How did Old Second Bancorp's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 30.7% from $71.7M a year earlier and eps grew 8.9% from $0.45.
Where can I find Old Second Bancorp's Q1 2026 SEC filings?
You can read the 8-K earnings release (0000357173-26-000018) and the 10-Q periodic report (0000357173-26-000022) directly on SEC EDGAR. The filing index links above go to sec.gov.