Old Second Bancorp (OSBC) Reports Q1 Earnings: What Key Metrics Have to Say
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 01 2025
0mins
Source: NASDAQ.COM
Old Second Bancorp Financial Performance: Old Second Bancorp (OSBC) reported a revenue of $73.11 million for Q1 2025, a 4% increase year-over-year, with an EPS of $0.45, slightly down from $0.47 a year ago. The revenue exceeded the Zacks Consensus Estimate by 3.62%, while the EPS fell short by 2.17%.
Investment Insights: Analysts emphasize the importance of key performance metrics in assessing a company's underlying performance, which can help investors project stock price movements. Additionally, Zacks Investment Research highlights seven elite stocks expected to perform well, based on historical data showing significant market outperformance.
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Analyst Views on OSBC
Wall Street analysts forecast OSBC stock price to fall
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 22.990
Low
19.00
Averages
21.63
High
24.50
Current: 22.990
Low
19.00
Averages
21.63
High
24.50
About OSBC
Old Second Bancorp, Inc. is a financial services company. The Company is the holding company of Old Second National Bank (the Bank). The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. It also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. It provides a variety of additional services to the needs of individual customers, such as money orders, cashiers' checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides a complement of electronic banking services, such as online and mobile banking and corporate cash management products.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Business Contributions: Since joining, Gallun has played a key role in underwriting and originating new business, significantly contributing to portfolio growth and strengthening sponsor relationships, underscoring his importance in the company's strategy.
- Career Background: With over four and a half years at O2 Sponsor Finance, Gallun previously held positions at TCF Capital Funding and Fitch Ratings, bringing a strong foundation in sponsor finance and credit analysis that supports the company's development.
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- Impact of Position Change: The reduction resulted in a $5.61 million decrease in the value of FB Financial's position, highlighting the direct impact of market price fluctuations on the investment portfolio and possibly reflecting uncertainties about future market conditions.
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Old Second Bancorp Q1 2026 Earnings Call Insights
- Financial Performance Overview: In Q1 2026, Old Second Bancorp reported a net income of $25.6 million, translating to $0.48 per diluted share and a return on assets of 1.51%, despite facing $9.8 million in net loan charge-offs, demonstrating resilience in profitability.
- Impact of Loan Charge-Offs: The quarter's loan charge-offs included a $3.9 million commercial real estate charge-off linked to an office property in downtown Chicago, alongside $1.3 million in industrial loan charge-offs and $3.9 million from the Powersports business, reflecting the impact of market uncertainties on credit quality.
- Net Interest Income Growth: Compared to the prior year, net interest income increased by $18 million or 29%, with a net interest margin of 5.14%, as the company reduced reliance on wholesale funding, showcasing adaptability in a declining interest rate environment.
- Stock Buyback Program: The company repurchased 1.2 million shares at an average price of $19.63 during the quarter and plans to continue this buyback under the existing authorization, indicating management's confidence in the company's future performance.
See More
Old Second Bancorp Declares Quarterly Dividend of $0.07
- Quarterly Dividend Announcement: Old Second Bancorp has declared a quarterly dividend of $0.07 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability.
- Yield Information: The forward yield of 1.32% reflects the company's attractiveness in the current market environment, potentially appealing to investors seeking stable income.
- Payment Schedule: The dividend will be payable on May 11, with a record date of May 1 and an ex-dividend date also on May 1, providing investors with a clear timeline for their investment decisions.
- Financial Transparency: Old Second Bancorp offers its dividend scorecard, yield chart, and historical earnings data, enhancing investor confidence in the company's financial health and increasing market interest in its stock.
See More
Old Second Bancorp Q1 Earnings Highlights
- Earnings Per Share: Old Second Bancorp reported a Q1 GAAP EPS of $0.48, indicating stable profitability amidst market challenges, which may positively influence investor confidence.
- Revenue Performance: The company achieved revenues of $93.77 million, demonstrating resilience in maintaining strong income levels despite the current economic environment, which is crucial for sustaining operations.
- Financial Health: An analysis of Old Second Bancorp's financial information reveals a robust balance sheet, providing a solid foundation for future growth and shareholder returns, which is essential for long-term strategic planning.
- Dividend Commitment: The dividend scorecard for Old Second Bancorp highlights the company's commitment to returning value to shareholders, and while specific dividend data is not disclosed, its ongoing profitability supports future dividend potential.
See More
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- Promotion Announcement: O2 Sponsor Finance has promoted Chris Gallun to First Vice President, a move aimed at further driving the company's growth in 2026, highlighting its commitment to talent development.
- Business Contributions: Since joining, Gallun has played a key role in underwriting and originating new business, significantly contributing to portfolio growth and strengthening sponsor relationships, underscoring his importance in the company's strategy.
- Career Background: With over four and a half years at O2 Sponsor Finance, Gallun previously held positions at TCF Capital Funding and Fitch Ratings, bringing a strong foundation in sponsor finance and credit analysis that supports the company's development.
- Company Overview: O2 Sponsor Finance focuses on providing cash flow-based loans to lower middle-market businesses with revenues between $10 million and $100 million, aiming to support private equity sponsors and independent sponsors in acquisitions or recapitalizations, showcasing its unique market positioning.
See More
Banc Funds Sells 98,000 Shares of FB Financial Corporation
- Transaction Overview: On May 14, 2026, Banc Funds disclosed in an SEC filing that it sold 98,000 shares of FB Financial Corporation during Q1, with an estimated transaction value of $5.51 million, indicating a cautious stance towards the stock.
- Impact of Position Change: The reduction resulted in a $5.61 million decrease in the value of FB Financial's position, highlighting the direct impact of market price fluctuations on the investment portfolio and possibly reflecting uncertainties about future market conditions.
- Financial Performance Highlights: FB Financial's latest earnings report revealed a net income of $57.5 million and earnings per share of $1.10, showing slight growth compared to the previous quarter, indicating the company's ability to maintain profitability in a competitive environment.
- Market Performance Comparison: FB Financial's stock has risen 20% over the past year, although it underperformed against the S&P 500's 28% increase, raising concerns about its ongoing profitability amidst interest rate uncertainties and deposit competition.
See More
Analysis of Opportunities and Risks in Small-Cap Stocks
- Lindblad Expeditions Outlook: Lindblad Expeditions (LIND) has shown a lackluster annual revenue growth of 17.4% over the past two years, indicating a loss of market share, while its forward P/E ratio of 76.9 suggests potential overvaluation risks.
- Capital Southwest Financial Strain: Capital Southwest (CSWC) has experienced a 6.3% annual decline in earnings per share over the last two years, despite revenue growth, and its 7x net-debt-to-EBITDA ratio indicates over-leverage, increasing the risk of shareholder dilution.
- Old Second Bancorp Growth Potential: Old Second Bancorp (OSBC) has achieved an impressive 21.5% annual revenue growth over the past five years, with net interest income growth of 27.4%, indicating significant market share gains, and its current P/B ratio of 1.1x suggests investment attractiveness.
- Small-Cap Investment Strategy: While small-cap stocks present mispricing opportunities due to limited analyst coverage, the financial challenges faced by companies like LIND and CSWC necessitate cautious selection, with a recommendation to focus on outperformers like OSBC for better investment returns.
See More
Old Second Bancorp Q1 2026 Earnings Call Insights
- Financial Performance Overview: In Q1 2026, Old Second Bancorp reported a net income of $25.6 million, translating to $0.48 per diluted share and a return on assets of 1.51%, despite facing $9.8 million in net loan charge-offs, demonstrating resilience in profitability.
- Impact of Loan Charge-Offs: The quarter's loan charge-offs included a $3.9 million commercial real estate charge-off linked to an office property in downtown Chicago, alongside $1.3 million in industrial loan charge-offs and $3.9 million from the Powersports business, reflecting the impact of market uncertainties on credit quality.
- Net Interest Income Growth: Compared to the prior year, net interest income increased by $18 million or 29%, with a net interest margin of 5.14%, as the company reduced reliance on wholesale funding, showcasing adaptability in a declining interest rate environment.
- Stock Buyback Program: The company repurchased 1.2 million shares at an average price of $19.63 during the quarter and plans to continue this buyback under the existing authorization, indicating management's confidence in the company's future performance.
See More
Old Second Bancorp Declares Quarterly Dividend of $0.07
- Quarterly Dividend Announcement: Old Second Bancorp has declared a quarterly dividend of $0.07 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability.
- Yield Information: The forward yield of 1.32% reflects the company's attractiveness in the current market environment, potentially appealing to investors seeking stable income.
- Payment Schedule: The dividend will be payable on May 11, with a record date of May 1 and an ex-dividend date also on May 1, providing investors with a clear timeline for their investment decisions.
- Financial Transparency: Old Second Bancorp offers its dividend scorecard, yield chart, and historical earnings data, enhancing investor confidence in the company's financial health and increasing market interest in its stock.
See More
Old Second Bancorp Q1 Earnings Highlights
- Earnings Per Share: Old Second Bancorp reported a Q1 GAAP EPS of $0.48, indicating stable profitability amidst market challenges, which may positively influence investor confidence.
- Revenue Performance: The company achieved revenues of $93.77 million, demonstrating resilience in maintaining strong income levels despite the current economic environment, which is crucial for sustaining operations.
- Financial Health: An analysis of Old Second Bancorp's financial information reveals a robust balance sheet, providing a solid foundation for future growth and shareholder returns, which is essential for long-term strategic planning.
- Dividend Commitment: The dividend scorecard for Old Second Bancorp highlights the company's commitment to returning value to shareholders, and while specific dividend data is not disclosed, its ongoing profitability supports future dividend potential.
See More
