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Old Second Bancorp OSBC Gain (Loss) on Sale of Mortgage Loans

Gain (Loss) on Sale of Mortgage Loans at other companies

Wintrust Financial logo
Wintrust FinancialWTFC
$17.71M+28.6%
Customers Bancorp logo
Customers BancorpCUBI
$1.04M+52,100%
First Merchants Corporation logo
First Merchants CorporationFRME

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:GainLossOnSaleOfMortgageLoans.

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 gain (loss) on sale of mortgage loans?
Old Second Bancorp (OSBC) reported gain (loss) on sale of mortgage loans of $555K in Q1 2026.
How has Old Second Bancorp's gain (loss) on sale of mortgage loans changed year-over-year?
Old Second Bancorp's gain (loss) on sale of mortgage loans increased by 19.6% year-over-year, from $464K to $555K.
What is the long-term trend for Old Second Bancorp's gain (loss) on sale of mortgage loans?
Over 4 years (2021 to 2025), Old Second Bancorp's gain (loss) on sale of mortgage loans has grown at a -29.5% compound annual growth rate (CAGR), from $9.3M to $2.29M.
What does gain (loss) on sale of mortgage loans mean?
This represents the realized profit or loss recognized upon the sale of mortgage loans to third-party investors. It reflects the spread between the carrying value of the loans and the proceeds received, serving as a primary measure of the profitability of the mortgage banking business line. Fluctuations in this metric are often driven by changes in market interest rates and secondary market demand.