OLD SECOND BANCORP INC financials

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OSBC CIK 0000357173

Source: EDGAR filings · Built 2026-06-02T03:46:09Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 117.76M 120.75M 104.03M 93.01M 29.01M 22.07M
Net Debt 227.59M 55.03M 428.06M 145.63M -553.23M -169.38M
Return on Equity (ROE) 8.96% 12.71% 15.89% 14.62% 3.99% 9.06%
Return on Assets (ROA) 1.16% 1.51% 1.60% 1.14% 0.32% 0.92%
Debt-to-Equity 0.39× 0.23× 0.92× 0.57× 0.40× 0.52×
Effective Tax Rate 25.47% 24.52% 26.27% 26.37% 28.07% 25.62%
Cash Conversion Ratio 1.52× 1.54× 1.27× 1.44× 1.55× 0.93×
Accruals Ratio -0.01× -0.01× -0.00× -0.01× -0.00× 0.00×
CapEx Coverage 27.14× 12.19× 9.41× 22.47× 15.27× 6.63×
Free Cash Flow Per Share $2.37 $2.65 $2.29 $2.06 $0.94 $0.73

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 12.04× 9.51× 7.64× 10.77× 19.37× 10.98×
P/FCF 8.23× 6.72× 6.74× 7.80× 13.34× 13.81×
FCF Yield 12.16% 14.88% 14.84% 12.83% 7.50% 7.24%
P/B 1.15× 1.19× 1.20× 1.55× 1.11× 0.96×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 27.44M 27.69M 32.68M 24.14M 7.82M 9.58M
Net Income (Loss) Attributable to Parent 80.31M 85.26M 91.73M 67.41M 20.04M 27.82M
Earnings Per Share, Basic $1.64 $1.90 $2.05 $1.51 $0.66 $0.94
Weighted Average Number of Shares Outstanding, Basic 48.88M 44.83M 44.66M 44.53M 30.21M 29.62M
Earnings Per Share, Diluted $1.62 $1.87 $2.02 $1.49 $0.65 $0.92
Weighted Average Number of Shares Outstanding, Diluted 49.67M 45.64M 45.40M 45.21M 30.74M 30.17M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 124.03M 99.33M 100.14M 115.18M 752.11M 329.90M
Assets 6.90B 5.65B 5.72B 5.89B 6.21B 3.04B
Liabilities 6.01B 4.98B 5.15B 5.43B 5.71B 2.73B
Stockholders' Equity Attributable to Parent 896.77M 671.03M 577.28M 461.14M 502.03M 307.09M
Common Stock, Shares, Outstanding 52.67M 44.87M 44.70M 44.58M 44.46M 29.33M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 122.26M 131.53M 116.40M 97.34M 31.05M 25.99M
Payments to Acquire Property, Plant, and Equipment 4.50M 10.79M 12.38M 4.33M 2.03M 3.92M
Net Cash Provided by (Used in) Investing Activities 159.82M 322.70M 161.56M -432.78M 132.92M -103.81M
Payments for Repurchase of Common Stock 7.41M 1.05M 605.00K 455.00K 10.42M 5.92M
Net Cash Provided by (Used in) Financing Activities -257.39M -455.05M -292.99M -301.50M 258.24M 357.09M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (OSBC CIK 0000357173), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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