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Old Second Bancorp OSBC Free cash flow margin

Free cash flow margin at other companies

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Wintrust FinancialWTFC
23.1%-19.1pp
Northwest Bancshares logo
Northwest BancsharesNWBI
16.6%—
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
33.5%-20.7pp
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Old National BancorpONB
26.6%-4.4pp
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33%-35.0pp
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First Mid Bancshares, Inc.FMBH
27.9%-13.9pp

Other financials

Income statement

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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

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Market cap$1.18B+56.4%
Enterprise value$1.26B—
P/E13.7×+4.7×
P/S3.3×+0.7×

Profitability

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Net margin23.9%-5.2pp

Returns & leverage

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

Where this comes from

Calculated from Old Second Bancorp’s reported figures.

free cash flow/total revenue=38.3%

Based on trailing twelve months.

The official record: Old Second Bancorp’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Old Second Bancorp's free cash flow margin?
Old Second Bancorp (OSBC) reported free cash flow margin of 38.3% in Q1 2026.
How has Old Second Bancorp's free cash flow margin changed year-over-year?
Old Second Bancorp's free cash flow margin increased by 18.7% year-over-year, from 32.2% to 38.3%.
What is the long-term trend for Old Second Bancorp's free cash flow margin?
Over 2 years (2022 to 2025), Old Second Bancorp's free cash flow margin has grown at a -3.6% compound annual growth rate (CAGR), from 37.3% to 34.7%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.