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Old Second Bancorp OSBC Real Estate Owned Valuation Allowance Provision1

Real Estate Owned Valuation Allowance Provision1 at other companies

Equity Bancshares logo
Equity BancsharesEQBK
$12K
Business First Bancshares logo
Business First BancsharesBFST
-$69K
Equity Bancshares logo
Equity BancsharesEQBK
$12K
Equity Bancshares logo
Equity BancsharesEQBK
$0
Trustco Bank Corp logo
Trustco Bank CorpTRST
$30K-55.2%
Banc of California logo
Banc of CaliforniaBANC
$44K-83.4%

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:RealEstateOwnedValuationAllowanceProvision1.

The official record: Old Second Bancorp’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Old Second Bancorp's real estate owned valuation allowance provision1?
Old Second Bancorp (OSBC) reported real estate owned valuation allowance provision1 of $0 in Q4 2025.
How has Old Second Bancorp's real estate owned valuation allowance provision1 changed year-over-year?
Old Second Bancorp's real estate owned valuation allowance provision1 decreased by 100.0% year-over-year, from $436K to $0.
What is the long-term trend for Old Second Bancorp's real estate owned valuation allowance provision1?
Over 3 years (2021 to 2025), Old Second Bancorp's real estate owned valuation allowance provision1 has grown at a 103.3% compound annual growth rate (CAGR), from $81K to $681K.
What does real estate owned valuation allowance provision1 mean?
This metric represents the periodic expense recognized to adjust the carrying value of foreclosed real estate assets to their estimated fair value, less costs to sell. It serves as a direct indicator of the deterioration in the value of collateralized assets held by the bank. High provisions suggest ongoing credit quality challenges and potential losses within the real estate portfolio.