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Old Second Bancorp OSBC Financing Receivable And Net Investment In Lease Excluding Accrued Interest After Allowance For Credit Loss

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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 osbc:FinancingReceivableAndNetInvestmentInLeaseExcludingAccruedInterestAfterAllowanceForCreditLoss.

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 financing receivable and net investment in lease excluding accrued interest after allowance for credit loss?
Old Second Bancorp (OSBC) reported financing receivable and net investment in lease excluding accrued interest after allowance for credit loss of $5.11B in Q1 2026.
How has Old Second Bancorp's financing receivable and net investment in lease excluding accrued interest after allowance for credit loss changed year-over-year?
Old Second Bancorp's financing receivable and net investment in lease excluding accrued interest after allowance for credit loss increased by 31.1% year-over-year, from $3.9B to $5.11B.
What is the long-term trend for Old Second Bancorp's financing receivable and net investment in lease excluding accrued interest after allowance for credit loss?
Over 3 years (2022 to 2025), Old Second Bancorp's financing receivable and net investment in lease excluding accrued interest after allowance for credit loss has grown at a 10.7% compound annual growth rate (CAGR), from $3.82B to $5.18B.
What does financing receivable and net investment in lease excluding accrued interest after allowance for credit loss mean?
This represents the net value of the loan and lease portfolio after deducting the allowance for credit losses. It provides the most accurate view of the bank's performing assets and the actual economic value of its lending activities. Investors use this to assess the bank's core asset quality and net earning potential.