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Old Second Bancorp OSBC Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$95.2MBeat by $325.0K
EPS$0.58Beat by $0.05
Revenue estimate$94.9M
EPS estimate$0.53

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$95.2M+30.1%
Net income$28.8M+50.6%
EPS (diluted)$0.56+33.3%

Balance sheet

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Cash & equivalents$124.0M+24.9%
Total debt$227.7M+601%
Total equity$896.8M+33.6%
Total assets$6.9B+22.2%

Cash flow

See full
Operating cash flow$44.2M+84.4%
CapEx$881.0K-59.0%
Free cash flow$43.4M+98.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.03B+28.8%
Enterprise value$1.13B+54.8%
P/E12.8×+3.4×
P/S3×+0.2×

Profitability

See full
Net margin23.7%-6.2pp
FCF margin34.7%-7.6pp

Returns & leverage

See full
Return on equity10.2%-3.4pp
Debt / equity0.3×+0.2×

Segments

By product

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Fiduciary And Trust$3.5M+7.2%
Deposit Account$2.9M+7.5%
Mortgage Servicing$444.0K-6.5%
Mortgage Banking$123.0K+39.8%

FAQ

When did Old Second Bancorp report Q4 2025 earnings?
Old Second Bancorp (OSBC) reported Q4 2025 earnings on January 21, 2026 after market close.
What were Old Second Bancorp's Q4 2025 revenue and EPS?
Old Second Bancorp reported revenue of $95.2M and eps of $0.58 for Q4 2025.
Did Old Second Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $94.9M by $325.0K. EPS beat the consensus estimate of $0.53 by $0.05.
How did Old Second Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.5% from $85.4M a year earlier and eps grew 38.6% from $0.42.
Where can I find Old Second Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000357173-26-000007) and the 10-K periodic report (0001104659-26-020393) directly on SEC EDGAR. The filing index links above go to sec.gov.