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Old Second Bancorp OSBC Net Premium Amortization Discount Accretion Of Purchase Accounting Adjustments On Loans

Net Premium Amortization Discount Accretion Of Purchase Accounting Adjustments On Loans at other companies

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$57.48M-16.5%
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$18.17M-10.6%
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Ladder CapitalLADR
$4.53M+65.1%

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:NetPremiumAmortizationDiscountAccretionOfPurchaseAccountingAdjustmentsOnLoans.

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 net premium amortization discount accretion of purchase accounting adjustments on loans?
Old Second Bancorp (OSBC) reported net premium amortization discount accretion of purchase accounting adjustments on loans of -$25K in Q1 2026.
How has Old Second Bancorp's net premium amortization discount accretion of purchase accounting adjustments on loans changed year-over-year?
Old Second Bancorp's net premium amortization discount accretion of purchase accounting adjustments on loans increased by 90.9% year-over-year, from -$274K to -$25K.
What is the long-term trend for Old Second Bancorp's net premium amortization discount accretion of purchase accounting adjustments on loans?
Over 4 years (2021 to 2025), Old Second Bancorp's net premium amortization discount accretion of purchase accounting adjustments on loans has grown at a 52.4% compound annual growth rate (CAGR), from -$155K to -$837K.
What does net premium amortization discount accretion of purchase accounting adjustments on loans mean?
This represents the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on acquired loan portfolios. It reconciles the difference between the contractual interest rate and the effective yield established at the time of acquisition. Investors use this to understand the underlying core earnings power of the loan portfolio independent of purchase accounting adjustments.