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

Financing Receivable And Net Investment In Lease Allowance For Credit Loss Excluding Accrued Interest at other companies

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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:FinancingReceivableAndNetInvestmentInLeaseAllowanceForCreditLossExcludingAccruedInterest.

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 allowance for credit loss excluding accrued interest?
Old Second Bancorp (OSBC) reported financing receivable and net investment in lease allowance for credit loss excluding accrued interest of $72.13M in Q1 2026.
How has Old Second Bancorp's financing receivable and net investment in lease allowance for credit loss excluding accrued interest changed year-over-year?
Old Second Bancorp's financing receivable and net investment in lease allowance for credit loss excluding accrued interest increased by 73.6% year-over-year, from $41.55M to $72.13M.
What is the long-term trend for Old Second Bancorp's financing receivable and net investment in lease allowance for credit loss excluding accrued interest?
Over 5 years (2020 to 2025), Old Second Bancorp's financing receivable and net investment in lease allowance for credit loss excluding accrued interest has grown at a 16.4% compound annual growth rate (CAGR), from $33.86M to $72.3M.
What does financing receivable and net investment in lease allowance for credit loss excluding accrued interest mean?
This represents the specific reserve set aside to cover estimated future credit losses within the loan and lease portfolio. It reflects management's assessment of credit risk and the potential for borrower defaults. An increasing balance often signals deteriorating credit quality or a more conservative risk outlook.