Old Second Bancorp, Inc. (OSBC)

From the record

Old Second Bancorp, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Old Second Bancorp, Inc.'s 10 filed years say what it did: revenue went from $73 million in fiscal 2016 to $355 million in fiscal 2025, up 19.2% a year; it rose in 8 of 9 years; the deepest fall was 10% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Old Second Bancorp, Inc.'s diluted share count grew about 3.2% a year, and dividends and buybacks returned about 11% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 20 sales (2 under scheduled 10b5-1 plans) and 2 purchases of their own stock on the open market in the year to 2026-11-10, buying about $1 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Old Second Bancorp, Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 8.8% over the year (the filed statements).

From the record

Old Second Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $355 million in fiscal 2025 ranks in the top 48% by size; a net margin of 22.6% ranks in the top 44%; revenue growth of 17.9% a year over the last 3 filed years ranks in the top 46% (its annual reports).

From the record

Old Second Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Eccher, James (CHAIRMAN AND CEO, as filed), filing under that title since 2022-07-06, 4.4 years (bottom 26% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 9.8 years (top 19%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 36%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Old Second Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $124 million against debt of $339 million leaves -3.1% of its assets as net cash, bottom 6% of its family; cash from operations less capital spending is 33.2% of revenue (top 18%) (its annual report).

From the record

Old Second Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.9% a year over the last three filed years against 19.2% over all 10, slowing (bottom 18% of its family); the newest year grew 19.2% (top 10%); capital spending grew 1.3% a year (bottom 43%) (its annual reports). Old Second Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Old Second Bancorp, Inc.'s newest year against its own record: revenue of $355 million in fiscal 2025 came in 1.6% above the $349 million its prior three years' pace pointed to (top 13% of its family); net income of $80 million against a prior three-year average of $81 million (bottom 25%); a net margin of 22.6% against 30.4% before (bottom 20%) (its annual reports).