Old Second Bancorp, Inc. (OSBC) — Financial statements
Income statement, balance sheet, and cash flow for Old Second Bancorp, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 397↑18.1% | 336↑4.7% | 321↑25.8% | 255↑79.9% | 142 | |
| Cost of Revenue | 87↑25.7% | 69↑22.1% | 57↑235.2% | 17↑32.0% | 13 | |
| Gross Profit | 310↑16.1% | 267↑1.0% | 264↑11.0% | 238↑84.6% | 129 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 128↑25.6% | 102↑10.1% | 92↑2.5% | 90↑50.6% | 60 | |
| Selling & Marketing Expenses | 1↑7.1% | 1↑72.4% | 0.72↑22.4% | 0.59↑71.7% | 0.34 | |
| SG&A Expenses | 129↑25.4% | 103↑10.6% | 93↑2.7% | 91↑50.7% | 60 | |
| Other Expenses | 70↑37.4% | 51↑9.0% | 47↓16.4% | 56↑36.6% | 41 | |
| Operating Expenses | 199↑29.3% | 154↑10.1% | 140↓4.6% | 147↑45.0% | 101 | |
| Total Costs & Expenses | 286↑28.2% | 223↑13.5% | 197↑20.1% | 164↑43.6% | 114 | |
| Operating Results | ||||||
| Operating Income | 111↓2.0% | 113↓9.2% | 124↑35.9% | 92↑228.5% | 28 | |
| Depreciation & Amortization | 10↑10.1% | 9↑18.9% | 8↑11.9% | 7↑81.4% | 4 | |
| EBITDA | 121↓1.1% | 122↓7.6% | 132↑34.2% | 98↑210.9% | 32 | |
| EBIT | 111↓2.0% | 113↓9.2% | 124↑35.9% | 92↑228.5% | 28 | |
| Interest & Other Income | ||||||
| Net Interest Income | 292↑21.9% | 239↓4.3% | 250↑21.8% | 205↑113.2% | 96 | |
| Interest Income | 354↑19.8% | 296↑1.9% | 290↑34.6% | 216↑105.8% | 105 | |
| Interest Expense | 62↑10.6% | 56↑40.5% | 40↑288.1% | 10↑22.1% | 8 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -3 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 108↓4.6% | 113↓9.2% | 124↑35.9% | 92↑228.5% | 28 | |
| Income Tax Expense | 27↓0.9% | 28↓15.3% | 33↑35.4% | 24↑208.6% | 8 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 80↓5.8% | 85↓7.0% | 92↑36.1% | 67↑236.3% | 20 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 80↓5.8% | 85↓7.0% | 92↑36.1% | 67↑236.3% | 20 | |
| Bottom-Line Net Income | 80↓5.8% | 85↓7.0% | 92↑36.1% | 67↑236.3% | 20 | |
| EPS (Basic) | 1.64↓13.7% | 1.90↓7.3% | 2.05↑35.8% | 1.51↑128.8% | 0.66 | |
| EPS (Diluted) | 1.62↓13.4% | 1.87↓7.4% | 2.02↑35.6% | 1.49↑129.2% | 0.65 | |
| Weighted Average Shares | 53↑17.5% | 45↑0.4% | 45↑0.3% | 45↑47.4% | 30 | |
| Weighted Average Diluted Shares | 53↑17.2% | 46↑0.5% | 45↑0.4% | 45↑47.1% | 31 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.