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Old Second Bancorp OSBC Q2 2025 earnings

Reported July 23, 2025 · Before market open

Revenue$73.6MMiss by $4.0M
EPS$0.48Beat by $0.01
Revenue estimate$77.7M
EPS estimate$0.47

Next report

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

Financials

Q2 2025

Income statement

See full
Revenue$75.1M+6.1%
Net income$21.8M-0.3%
EPS (diluted)$0.480.0%

Balance sheet

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Cash & equivalents$141.8M+17.3%
Total equity$718.6M+16.0%
Total assets$5.7B+0.7%

Cash flow

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Operating cash flow$24.2M+108%
CapEx$789.0K-73.4%
Free cash flow$23.5M+170%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$782.18M+18.0%
P/E9.3×+1.6×
P/S2.7×+0.3×

Profitability

See full
Net margin28.6%-1.6pp
FCF margin36.8%-17.5pp

Returns & leverage

See full
Return on equity12.5%-2.6pp

Segments

By product

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Fiduciary And Trust$3.1M+11.7%
Deposit Account$3.1M+22.0%
Mortgage Servicing$472.0K-8.0%
Mortgage Banking$84.0K+29.2%

FAQ

When did Old Second Bancorp report Q2 2025 earnings?
Old Second Bancorp (OSBC) reported Q2 2025 earnings on July 23, 2025 before market open.
What were Old Second Bancorp's Q2 2025 revenue and EPS?
Old Second Bancorp reported revenue of $73.6M and eps of $0.48 for Q2 2025.
Did Old Second Bancorp beat estimates in Q2 2025?
Revenue missed the consensus estimate of $77.7M by $4.0M. EPS beat the consensus estimate of $0.47 by $0.01.
How did Old Second Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.0% from $69.5M a year earlier and eps grew 0.0% from $0.48.
Where can I find Old Second Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000357173-25-000073) and the 10-Q periodic report (0000357173-25-000076) directly on SEC EDGAR. The filing index links above go to sec.gov.