Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community ...
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Est. EPS $0.58 · Revenue $97.91M · 5 analysts
Est. EPS $0.56
Est. EPS $0.59 · Revenue $98.12M · 4 analysts
Est. EPS $2.19 · Revenue $386.81M · 5 analysts
$0.27 per share
$0.27 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $397.0M | +18.1% | -20.1% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $80.3M | -5.8% | +10.1% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +78.1% | -1.7% | +31.6% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +27.9% | -17.0% | +39.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +20.2% | -20.2% | +37.8% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $117.8M | -2.5% | -22.8% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +29.7% | -17.4% | -3.4% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 37.8% | +78.7% | +43.4% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.10x | -72.6% | -45.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $6.9B | +22.2% | +0.1% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 1.62 vs 1.58 | +2.4% | 0.54 vs 0.55 | -0.9% |
| Revenue Surprise | $397.0M vs $339.9M | +16.8% | $88.8M vs $94.9M | -6.4% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Sep 3, 2026 | MCLEAN HUGH H | director | Old Second Bancorp, Inc. Common Stock | D | 25,000 | $25.73 |
| Sep 2, 2026 | Campbell Darin Patrick | director, officer: President, Powersports Lending | Old Second Bancorp, Inc. Common Stock | D | 24,000 | $25.53 |
| Aug 12, 2026 | Eccher James | director, officer: CHAIRMAN AND CEO | Old Second Bancorp, Inc. Common Stock | D | 19,313 | $25.61 |
| Aug 11, 2026 | Eccher James | director, officer: CHAIRMAN AND CEO | Old Second Bancorp, Inc. Common Stock | D | 55,687 | $25.46 |
| Aug 10, 2026 | Lyons Billy J Jr. | director | Old Second Bancorp, Inc. Common Stock | A | 20 | $25.38 |
Operator: Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc. Second Quarter 2026 Earnings Call. On the call today are James L. Eccher, the company's Chairman, President and CEO and Bradley S. Adams, the company's COO and CFO; Darin Campbell, the company's head of National Specialty Lending; and Gary Collins, the vice chairman of our board. I will start with a reminder that Old Second's comments today will contain forward-looking statements about the company's business, strategies and prospects, which are based on management's existing expectations in the current economic environment. These statements are not a guarantee of future performance and results may differ materially from those projected. Management would ask you to refer to the company's SEC filings for a full discussion of the company's risk factors. The company does not undertake any duty to update such forward-looking statements. On today's call, we will also be discussing certain non GAAP financial measures. These non GAAP measures are described and reconciled to their GAAP counterparts in our earnings release, which is available on our website at oldsecond.com on the home page and under the investor relations tab. Now I will turn it over to James L. Eccher. James L. Eccher: Okay. Good morning, and thank you for joining us. As customary, I have several prepared opening remarks, give my overview of the quarter, and turn it over to Brad for additional details. I will then conclude with certain summary comments and thoughts about the future before we open it up to Q&A. From a GAAP perspective, net income was $28.2 million or $0.54 per diluted share in the second quarter, and return on assets was 1.65%. Second quarter 2026 return on average tangible common equity was 15.58%, and the tax equivalent efficiency ratio was 51.72%. Excluding all adjusting items, which include MSR valuation adjustments, and costs related to the 2025 acquisition of Bancorp Financial, and its wholly owned subsidiary, Evergreen Bank Group, Net income for the quarter was $28.7 million or $0.55 per diluted share. Second quarter earnings were impacted by $9.2 million of net loan charge offs, which primarily included 2 credits that we discussed at length. On last quarter's earnings call. A commercial and industrial charge off of $3 million in the warehousing and distribution business that has seen its cash flow position erode over the last year. A commercial real estate investor charge-off of 2.8 million that was an office property located in a western suburb of Chicago This was an acquired credit. It was restructured into an AP note in 2023 due to challenges facing the office market. At the time of the restructure, the B note was fully secured by the value of the underlying collateral but has recently experienced a decline in value And based on an updated valuation, the B notes collectability is now in doubt. and was charged off. The B Note was previously fully allocated for …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Darin Campbell | Director, EVP & President, Nat'l Specialty Lending, President, FreedomRoad Fin. & Performance Fin. | USD 3,974,825 | Male | 1966 | Active |
James L. Eccher | President, Chief Executive Officer & Chairman of the Board | USD 2,033,069 | Male | 1965 | Active |
Bradley S. Adams | Executive Vice President, Chief Operating Officer & Chief Financial Officer | USD 1,041,914 | Male | 1974 | Active |
Donald J. Pilmer | Executive Vice President & Chief Lending Officer | USD 726,464 | Male | 1965 | Active |
Shirley Cantrell | Shareholder Relations Manager | — | Female | 1962 | Active |
Old Second Bancorp, Inc. (NASDAQ: OSBC - Get Free Report) has received a consensus recommendation of "Buy" from the seven ratings firms that are currently covering the firm, Marketbeat.com reports. One analyst has rated the stock with a hold recommendation, five have issued a buy recommendation and one has given a strong buy recommendation to the
Old Second Bancorp (OSBC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Does Old Second Bancorp (OSBC) have what it takes to be a top stock pick for momentum investors? Let's find out.
Shares of Old Second Bancorp, Inc. (NASDAQ: OSBC - Get Free Report) reached a new 52-week high on Friday. The stock traded as high as $24.04 and last traded at $23.80, with a volume of 25972 shares traded. The stock had previously closed at $23.51. Analyst Ratings Changes OSBC has been the subject of a
Old Second Bancorp, Inc. (OSBC) Q2 2026 Earnings Call Transcript
