Old Second Bancorp Inc. (OSBC)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 357173 · fiscal year ends in Dec
Closing price $24.61 on 29 Oct 2026; 52-week range $17.67 to $25.91.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $381.5M
- Revenue growth
- 30.4%
- Net income, last twelve months
- $92.4M
- Earnings per share
- $1.74
- Net margin
- 24.2%
- Free cash flow
- $142.2M
- Return on equity
- 10.2%
- Market value
- $1.3B
- Price to earnings
- 14.1x
- Dividend yield
- 1.1%
- Cash
- $143.3M
- Debt
- $468.7M
- Debt to equity
- 0.52
- Shares outstanding
- 50.9M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $339.3M | – | $80.3M | $1.62 | $117.8M | 10-K filed 26 Feb 2026 |
| FY2024 | 31 Dec 2024 | $285.5M | – | $85.3M | $1.87 | $120.7M | 10-K filed 6 Mar 2025 |
| FY2023 | 31 Dec 2023 | $286.1M | – | $91.7M | $2.02 | $104.0M | 10-K filed 7 Mar 2024 |
| FY2022 | 31 Dec 2022 | $249.3M | – | $67.4M | $1.49 | $93.0M | 10-K filed 9 Mar 2023 |
| FY2021 | 31 Dec 2021 | $136.0M | – | $20.0M | $0.65 | $29.0M | 10-K filed 10 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $96.6M | $28.2M | $0.54 |
| Q1 FY2026 | 31 Mar 2026 | $93.8M | $25.6M | $0.48 |
| Q4 FY2025 | 31 Dec 2025 | $95.2M | $28.8M | $0.54 |
| Q3 FY2025 | 30 Sep 2025 | $95.9M | $9.9M | $0.18 |
| Q2 FY2025 | 30 Jun 2025 | $75.1M | $21.8M | $0.48 |
| Q1 FY2025 | 31 Mar 2025 | $73.1M | $19.8M | $0.43 |
| Q4 FY2024 | 31 Dec 2024 | $73.2M | $19.1M | $0.42 |
| Q3 FY2024 | 30 Sep 2024 | $71.2M | $23.0M | $0.50 |
Company events
The newest 8-K filings of 373 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 21 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 20 Oct 2026 | 8-K | Other events | 8.01 |
| 19 Oct 2026 | 8-K | Leadership change | 5.02 |
| 1 Oct 2026 | 8-K | Other events | 8.01 |
| 22 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 21 Jul 2026 | 8-K | Other events | 8.01 |
| 8 Jul 2026 | 8-K | Leadership change | 5.02 |
| 1 Jul 2026 | 8-K | Other events | 8.01 |
| 25 Jun 2026 | 8-K | Other events | 8.01 |
| 9 Jun 2026 | 8-K | Leadership change | 5.02 |
| 20 May 2026 | 8-K | Shareholder vote | 5.07 |
| 19 May 2026 | 8-K | Investor update | 7.01, 9.01 |
Every filing
The newest filings with the SEC of 698 held.
| Filed | Form | Period |
|---|---|---|
| 21 Oct 2026 | 8-K | 21 Oct 2026 |
| 20 Oct 2026 | 8-K | 20 Oct 2026 |
| 19 Oct 2026 | 8-K | 14 Oct 2026 |
| 1 Oct 2026 | 8-K | 1 Oct 2026 |
| 18 Aug 2026 | S-3ASR | – |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 22 Jul 2026 | 8-K | 22 Jul 2026 |
| 21 Jul 2026 | 8-K | 21 Jul 2026 |
| 8 Jul 2026 | 8-K | 7 Jul 2026 |
| 1 Jul 2026 | 8-K | 1 Jul 2026 |
| 29 Jun 2026 | 11-K | 31 Dec 2025 |
| 25 Jun 2026 | 8-K | 25 Jun 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 23 Sep 2026 | Collins Gary S, VICE CHAIRMAN | Sale outside a trading plan | 16,000 | $24.69 | $395.1K | 14,136 | 23 Sep 2026 |
| 4 Sep 2026 | Collins Gary S, VICE CHAIRMAN | Sale outside a trading plan | 5,000 | $25.70 | $128.5K | 53,136 | 11 Sep 2026 |
| 8 Sep 2026 | Mclean Hugh H, Director | Sale outside a trading plan | 25,000 | $25.63 | $640.8K | 135,351 | 8 Sep 2026 |
| 3 Sep 2026 | Mclean Hugh H, Director | Sale outside a trading plan | 25,000 | $25.73 | $643.2K | 135,351 | 3 Sep 2026 |
| 2 Sep 2026 | Campbell Darin Patrick, President, Powersports Lending | Sale outside a trading plan | 24,000 | $25.53 | $612.8K | 250,589 | 3 Sep 2026 |
| 12 Aug 2026 | Eccher James, CHAIRMAN AND CEO | Sale under a trading plan | 19,313 | $25.61 | $494.7K | 303,399 | 13 Aug 2026 |
| 11 Aug 2026 | Eccher James, CHAIRMAN AND CEO | Sale under a trading plan | 55,687 | $25.46 | $1.4M | 322,712 | 12 Aug 2026 |
| 22 May 2026 | Collins Gary S, VICE CHAIRMAN | Sale outside a trading plan | 5,120 | $21.12 | $108.1K | 58,136 | 26 May 2026 |
| 21 May 2026 | Collins Gary S, VICE CHAIRMAN | Sale outside a trading plan | 10,000 | $21.12 | $211.2K | 63,256 | 21 May 2026 |
| 11 May 2026 | Lyons Billy J Jr., Director | Purchase | 24 | $20.90 | $502 | 20,097 | 12 May 2026 |
| 11 May 2026 | Pilmer Donald, EVP | Sale outside a trading plan | 25,000 | $20.75 | $518.8K | 48,054 | 11 May 2026 |
| 8 May 2026 | Collins Gary S, VICE CHAIRMAN | Sale outside a trading plan | 10,000 | $21.24 | $212.4K | 30,136 | 11 May 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 23 Sep 2026 | COLLINS GARY S, Officer | 20,000 | $493.0K | 23 Sep 2026 |
| 8 Sep 2026 | HUGH H. MCLEAN, Director | 25,000 | $641.9K | 8 Sep 2026 |
| 2 Sep 2026 | Campbell Darin Patrick, Director | 24,000 | $615.4K | 2 Sep 2026 |
| 11 Aug 2026 | Eccher James, Officer, Director | 75,000 | $1.9M | 11 Aug 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 8 Oct 2026 | Dimensional Fund Advisors LP | 13G | 5.1% | 2.6M |
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 3.0M | +10.76% | 4.8 |
| 30 Sep 2026 | 2.7M | +11.18% | 5.36 |
| 15 Sep 2026 | 2.5M | +23.3% | 5.67 |
| 31 Aug 2026 | 2.0M | +9.51% | 5.55 |
| 14 Aug 2026 | 1.8M | +7.15% | 4.34 |
| 31 Jul 2026 | 1.7M | -1.34% | 3.39 |
| 15 Jul 2026 | 1.7M | -12.18% | 5.05 |
| 30 Jun 2026 | 2.0M | +13.56% | 4 |
Funds that hold it
From each fund's latest Form 13F.
203 funds held it at 30 Jun 2026: 93 added and 47 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 4,298,683 | $100.2M | +172,439 |
| Dimensional Fund Advisors LP | 2,498,671 | $58.3M | +109,809 |
| Vanguard Capital Management LLC | 2,179,877 | $50.8M | -71,972 |
| State Street Corp. | 1,839,202 | $42.9M | +239,900 |
| Davis Asset Management, L.P. | 1,800,000 | $42.0M | 0 |
| American Century Companies Inc. | 1,783,820 | $41.6M | +192,877 |
| Goldman Sachs Group Inc. | 1,624,852 | $37.9M | -66,671 |
| FJ Capital Management LLC | 1,460,413 | $34.1M | -44,689 |
| Boston Partners | 1,415,165 | $32.9M | -28,724 |
| Geode Capital Management, LLC | 1,349,432 | $31.5M | +67,421 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $118.0B
- Bank of New York Mellon Corp. (BNY): revenue $21.4B, market value $101.3B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $81.3B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $49.4B
- State Street Corp. (STT): revenue $15.5B, market value $47.4B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $32.4B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $31.3B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.8B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $27.7B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $27.5B