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Old Second Bancorp OSBC Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$94.2MBeat by $11.3M
EPS$0.53Beat by $0.27
Revenue estimate$82.9M
EPS estimate$0.26

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$95.9M+34.7%
Net income$9.9M-57.0%
EPS (diluted)$0.18-64.0%

Balance sheet

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Cash & equivalents$116.5M+0.7%
Total debt$165.0M-50.7%
Total equity$866.7M+31.0%
Total assets$7.0B+23.3%

Cash flow

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Operating cash flow$35.9M-25.9%
CapEx$1.2M-47.7%
Free cash flow$34.7M-24.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$910.06M+30.2%
Enterprise value$958.54M+4.4%
P/E12.9×+4.6×
P/S2.9×+0.4×

Profitability

See full
Net margin22.3%-7.6pp
FCF margin30.3%-13.5pp

Returns & leverage

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Return on equity9.2%-4.9pp
Debt / equity0.2×-0.3×

Segments

By product

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Fiduciary And Trust$3.5M+26.1%
Deposit Account$2.9M+10.4%
Mortgage Servicing$469.0K+0.6%
Mortgage Banking$92.0K+9.5%

FAQ

When did Old Second Bancorp report Q3 2025 earnings?
Old Second Bancorp (OSBC) reported Q3 2025 earnings on October 22, 2025 before market open.
What were Old Second Bancorp's Q3 2025 revenue and EPS?
Old Second Bancorp reported revenue of $94.2M and eps of $0.53 for Q3 2025.
Did Old Second Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $82.9M by $11.3M. EPS beat the consensus estimate of $0.26 by $0.27.
How did Old Second Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 35.1% from $69.7M a year earlier and eps grew 6.0% from $0.50.
Where can I find Old Second Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000357173-25-000086) and the 10-Q periodic report (0000357173-25-000091) directly on SEC EDGAR. The filing index links above go to sec.gov.