OSBC
Old Second Bancorp, Inc.20.78
+0.14+0.68%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.09BP/E (TTM)
14.04Basic EPS (TTM)
1.48Dividend Yield
0.01%Recent Filings
10-Q
Q3 FY2025 results
Old Second Bancorp's Q3 FY2025 results reflect the July 1 acquisition of Bancorp Financial, boosting net interest income 37% year-over-year to $82.8M on higher loan yields and organic growth, though net income dipped to $9.9M or $0.18 diluted EPS from $23.0M or $0.50 last year, pressured by $13.2M Day Two provision and $11.8M acquisition costs. Loans hit $5.27B, up 32% from year-end, with powersports adding high-yield consumer exposure but driving charge-offs to 0.39% of average loans. Deposits climbed 21% to $5.76B, funding expanded FHLB borrowings at $165M while cash equivalents rose to $116.5M. Non-GAAP adjusted net income of $28.4M underscores underlying momentum, yet classified assets up 25% to $143M signal integration risks from the deal.
8-K
Q3 earnings release scheduled
Old Second Bancorp will release its Q3 2025 financial results after market close on October 22, 2025, followed by an earnings call the next day at 10 a.m. ET. Investors can dial in at 888-506-0062 with code 740004, or access a replay until October 30. This routine disclosure keeps stakeholders updated on performance amid banking sector shifts.
8-K
Director resigns at 73
Old Second Bancorp's Board shrank by one on September 14, 2025, when director John Ladowicz resigned at age 73 per the company's policy—no disagreements involved. Ladowicz, a fixture since 2008, had served on key committees like Audit and Compensation, contributing steadily over 17 years. The board won't fill the spot right away, opting to realign classes for balance amid planned 2025 retirements. Continuity holds firm.
10-Q
Q2 FY2025 results
Old Second Bancorp's Q2 FY2025 results show steady net income of $21.8M, flat y/y but up from Q1's $19.8M, with diluted EPS holding at $0.48. Net interest income climbed 7.6% y/y to $64.2M, driven by higher securities yields and lower short-term borrowing costs, lifting the TE margin to 4.85% from 4.63%. Provision for credit losses eased to $2.5M from $3.8M y/y amid $1.2M charge-offs, while noninterest income dipped 2.1% without a prior BOLI death benefit; expenses rose 14.6% to $43.4M on acquisition costs. Loans grew 0.4% q/q to $4.00B, deposits edged up 0.6% to $4.80B, and cash hit $142M with no FHLB debt. The Bancorp Financial merger closed July 1 for stock and $15.93 cash per share. Yet classified assets fell 8.5% q/q to $104M.
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