Old Second Bancorp Inc (NASDAQ:OSBC)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $429.6M
- Net income
- $111.5M
- Net margin
- 26.0%
A manageable debt load.
- Total debt
- $415.0M
- Cash
- $110.5M
- Net debt / EBITDA
- 1.92x
Owes more within a year than it holds to pay it.
- Current assets
- $1.13B
- Current liabilities
- $5.76B
- Current ratio
- 0.20
The business funds itself from operations.
- Operating cash flow
- $145.7M
- Free cash flow
- $141.4M
- FCF margin
- 32.9%
Not funding itself by issuing shares.
- Shares outstanding
- 50.3M
- Share growth (1y)
- -4.5%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
OSBC Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 115.16 M | 88.83 M | 111.16 M | 114.46 M | 115.48 M | 84.65 M |
| Revenue Growth (YoY) | -0.27 % | 4.95 % | 34.93 % | 34.04 % | 35.54 % | 1.95 % |
| Cost of Revenue | 24.79 M | 0.00 | 26.70 M | 19.25 M | 40.95 M | 13.50 M |
| Gross Profit | 90.37 M | 88.83 M | 84.46 M | 95.20 M | 74.52 M | 71.14 M |
| SG&A Expense | 39.99 M | 40.84 M | 1.85 M | 31.30 M | 41.56 M | 28.24 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 51.62 M | 51.00 M | 50.40 M | 52.94 M | 61.45 M | 41.93 M |
| Operating Income | 38.75 M | 37.84 M | 34.06 M | 42.27 M | 13.07 M | 29.21 M |
| Pretax Income | 38.75 M | 37.84 M | 34.06 M | 39.27 M | 13.07 M | 29.21 M |
| Tax Provision | 9.81 M | 9.66 M | 8.48 M | 10.48 M | 3.20 M | 7.39 M |
| Net Income | 28.94 M | 28.18 M | 25.59 M | 28.79 M | 9.87 M | 21.82 M |
| EPS (Basic) | 0.57 | 0.55 | 0.49 | 0.55 | 0.19 | 0.48 |
| EPS (Diluted) | 0.56 | 0.54 | 0.48 | 0.54 | 0.18 | 0.48 |
| Shares Outstanding | 50.30 M | 51.25 M | 52.67 M | 52.67 M | 52.69 M | 44.97 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.