Old Second Bancorp financials
$24.65−0.80%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $401.5M | $341.7M | $326.1M | $259.6M | $144.4M | $141.7M | $151.4M | $139.0M | $117.9M | $102.0M |
| Gross profit | $339.3M | $285.5M | $286.1M | $249.3M | $136.0M | $129.2M | $132.6M | $122.3M | $105.3M | $92.0M |
| Gross margin | 84.5% | 83.5% | 87.7% | 96.0% | 94.1% | 91.2% | 87.6% | 88.0% | 89.3% | 90.3% |
| Operating income | $107.8M | $113.0M | $124.4M | $91.5M | $27.9M | $37.4M | $51.9M | $43.9M | $34.3M | $24.5M |
| Net income | $80.3M | $85.3M | $91.7M | $67.4M | $20.0M | $27.8M | $39.5M | $34.0M | $15.1M | $15.7M |
| Net margin | 20.0% | 25.0% | 28.1% | 26.0% | 13.9% | 19.6% | 26.1% | 24.5% | 12.8% | 15.4% |
| Diluted EPS | $1.62 | $1.87 | $2.02 | $1.49 | $0.65 | $0.92 | $1.30 | $1.12 | $0.50 | $0.53 |
| EBITDA | $107.8M | $113.0M | $124.4M | $91.5M | $27.9M | $37.4M | $51.9M | $43.9M | $34.3M | $24.5M |
| Operating cash flow | $122.3M | $131.5M | $116.4M | $97.3M | $31.0M | $26.0M | $52.6M | $54.9M | $37.1M | $27.3M |
| Free cash flow | $120.0M | $120.7M | $108.6M | $88.3M | $29.0M | $22.1M | $48.3M | $53.0M | $36.1M | $25.3M |
| Diluted shares | 49.7M | 45.6M | 45.4M | 45.2M | 30.7M | 30.2M | 30.4M | 30.3M | 30.4M | 29.8M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $51.7M | $52.2M | $55.5M | $56.6M | $38.6M | $24.3M |
| Short-term investments | $1.19B | $1.23B | $1.27B | $1.62B | $2.42B | $811.7M |
| Total debt | $315.2M | $105.2M | $490.2M | $228.7M | $148.5M | $93.5M |
| Total assets | $6.90B | $5.65B | $5.72B | $5.89B | $6.21B | $3.04B |
| Total liabilities | $6.01B | $4.98B | $5.15B | $5.43B | $5.71B | $2.73B |
| Shareholders' equity | $896.8M | $671.0M | $577.3M | $461.1M | $502.0M | $307.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology