Old Second Bancorp Inc (OSBC)
Operating cash flow minus capital spending left $117.8M of free cash flow in fiscal 2025. At September 30, 2026 it held $108.1M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 4, 2026.
Key facts about Old Second Bancorp Inc
- Net worth
- Old Second Bancorp Inc has a market value (market cap) of $1.3B at the latest share price, and shareholders' equity of $878.6M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $122.3M of cash; after $4.5M of capital spending, free cash flow was $117.8M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 4, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Old Second Bancorp Inc's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Old Second Bancorp Inc declared dividends of $0.25 per share in fiscal 2025, a yield of 1.00% at the current price.
What Old Second Bancorp Inc does
Old Second Bancorp Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker OSBC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $80.3M | $1.62 | $117.8M |
| 2024 | n/a | $85.3M | $1.87 | $120.7M |
| 2023 | n/a | $91.7M | $2.02 | $104M |
| 2022 | n/a | $67.4M | $1.49 | $93M |
| 2021 | n/a | $20M | $0.65 | $29M |
| 2020 | n/a | $27.8M | $0.92 | $22.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Old Second Bancorp Inc declared $0.25 per share in fiscal 2025. At the current price that is a yield of 1.00%. It paid out $12.2M in cash dividends, 15% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.25 | $12.2M | 15% |
| 2024 | $0.21 | $9.4M | 11% |
| 2023 | $0.20 | $8.9M | 10% |
| 2022 | $0.20 | $8.9M | 13% |
| 2021 | $0.16 | $4.6M | 23% |
| 2020 | $0.04 | $1.2M | 4% |
Latest SEC filings
What Old Second Bancorp Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 4, 2026
- October 30, 2026Passive stake (5% or more) SCHEDULE 13G
- October 21, 2026
- October 20, 2026Other event 8-K
- October 19, 2026
- October 8, 2026Passive stake (5% or more) SCHEDULE 13G
- October 1, 2026Other event 8-K
- August 18, 2026
- August 6, 2026
- July 22, 2026
Insider trades
What the people running Old Second Bancorp Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $1.8M worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 30, 2026 | Collins Gary SVICE CHAIRMAN, Director | Other changeindirect | 30 | - |
| September 30, 2026 | Eccher JamesCHAIRMAN AND CEO, Director | Other changeindirect | 17 | - |
| September 30, 2026 | Eccher JamesCHAIRMAN AND CEO, Director | Other changeindirect | 92 | - |
| September 30, 2026 | Adams Bradley S.CFO & COO | Other changeindirect | 28 | - |
| September 30, 2026 | Pilmer DonaldEVP | Other changeindirect | 11 | - |
| September 30, 2026 | Gartelmann Richard A JREVP | Other changeindirect | 35 | - |
| September 23, 2026 | Collins Gary SVICE CHAIRMAN, Director | Sold | 16,000 | $395.1K |
| September 8, 2026 | Mclean Hugh HDirector | Sold | 25,000 | $640.8K |
Who owns OSBC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Dimensional Fund Advisors LP13G, passive | 5.1% | October 8, 2026 |
| Vanguard Capital Management13G, passive | 5.03% | October 30, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 184 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 4,298,683 | +172,439 |
| Dimensional Fund Advisors LP | 2,498,671 | +109,809 |
| Vanguard Capital Management LLC | 2,179,877 | -71,972 |
| State Street Corp | 1,839,202 | +239,900 |
| Davis Asset Management, L.P. | 1,800,000 | 0 |
| American Century Companies Inc | 1,783,820 | +192,877 |
| Goldman Sachs Group Inc | 1,624,852 | -66,671 |
| FJ Capital Management LLC | 1,460,413 | -44,689 |
| Boston Partners | 1,415,165 | -28,724 |
| Geode Capital Management, LLC | 1,349,432 | +67,421 |
| Kennedy Capital Management LLC | 1,236,983 | -31,507 |
| Banc Funds Co LLC | 1,034,143 | +5,000 |
| Manufacturers Life Insurance Company, The | 872,651 | -6,019 |
| Vanguard Portfolio Management LLC | 819,368 | +106,935 |
| Stieven Capital Advisors, L.P. | 815,328 | +41,800 |
| River Street Advisors LLC | 779,008 | +32,348 |
| Northern Trust Corp | 555,408 | -208,933 |
| Alliancebernstein L.P. | 641,845 | -49,000 |
| Jpmorgan Chase & Co | 555,602 | -145,351 |
| Wellington Management Group Llp | 544,345 | -313,440 |
Insiders
16 insiders reported holding 2,222,168 shares in total, about $55.7M at the last price.
| Holder | Shares |
|---|---|
| Eccher JamesCHAIRMAN AND CEO, Director | 550,27933,590 held indirectly |
| Adams Bradley S.CFO & COO | 264,54810,221 held indirectly |
| Campbell Darin PatrickPresident, Powersports Lending, Director | 261,151 |
| Kotche KeithDirector | 198,056 |
| Bonifas EdwardDirector | 185,926 |
| Mclean Hugh HDirector | 145,946 |
| Ladowicz JohnDirector | 144,892144,892 held indirectly |
| Finn BarryDirector | 99,332 |
| Pilmer DonaldEVP | 96,8564,048 held indirectly |
| Collins Gary SVICE CHAIRMAN, Director | 66,8197,125 held indirectly |
Questions about OSBC
What does Old Second Bancorp Inc do?
Old Second Bancorp Inc is a company in the Finance sector, listed on NASDAQ as OSBC. Its shares trade on NASDAQ under the ticker OSBC.
What is Old Second Bancorp Inc's net worth?
Old Second Bancorp Inc has a market value (market cap) of $1.3B at the latest share price, and shareholders' equity of $878.6M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Old Second Bancorp Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $111.5M.
When did Old Second Bancorp Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 4, 2026. It covers the period to September 30, 2026.
When is Old Second Bancorp Inc's next earnings report?
Old Second Bancorp Inc's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Old Second Bancorp Inc pay a dividend?
Yes. Old Second Bancorp Inc declared dividends of $0.25 per share in fiscal 2025, a yield of 1.00% at the current price.
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Where the numbers come from
Financial figures are the values Old Second Bancorp Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.