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Old Second Bancorp OSBC Mortgage servicing rights

Mortgage servicing rights at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$663B-0.5%
Wintrust Financial logo
Wintrust FinancialWTFC
$195.28M-0.5%
CTB
Community Trust BancorpCTBI
$6.73M-5.1%
CNB Financial logo
CNB FinancialCCNE
$2.54M+122%
FIB
First Interstate BancSystem, Inc.FIBK
$22.5M-9.6%

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
FCF margin38.3%+6.0pp

Returns & leverage

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

Where this comes from

Reported directly by Old Second Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ServicingAssetAtFairValueAmount.

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 mortgage servicing rights?
Old Second Bancorp (OSBC) reported mortgage servicing rights of $9.58M in Q1 2026.
How has Old Second Bancorp's mortgage servicing rights changed year-over-year?
Old Second Bancorp's mortgage servicing rights decreased by 3.6% year-over-year, from $9.94M to $9.58M.
What is the long-term trend for Old Second Bancorp's mortgage servicing rights?
Over 5 years (2020 to 2025), Old Second Bancorp's mortgage servicing rights has grown at a 17.5% compound annual growth rate (CAGR), from $4.22M to $9.46M.
What does mortgage servicing rights mean?
This represents the capitalized asset value of the right to collect mortgage payments and manage escrow accounts on behalf of investors. It generates a recurring fee-based income stream for the bank. The valuation is sensitive to interest rate fluctuations and prepayment speeds.