Old Second Bancorp Q1 2026 Earnings Call Insights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 24 2026
0mins
Should l Buy OSBC?
Source: seekingalpha
- 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.
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Analyst Views on OSBC
Wall Street analysts forecast OSBC stock price to rise
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 20.510
Low
19.00
Averages
21.63
High
24.50
Current: 20.510
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.
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
Old Second Bancorp (OSBC) Reports Q4 2025 Net Income of $28.8 Million with 1.64% ROA
- Strong Financial Performance: Old Second Bancorp reported a net income of $28.8 million for Q4 2025, translating to $0.54 per diluted share, with adjusted net income at $30.8 million or $0.58 per share, despite facing a $428,000 loss on mortgage servicing rights and $2.5 million in acquisition-related expenses, showcasing resilience under challenging conditions.
- Improved Asset Quality: The tangible book value per share increased by 61 basis points to $14.12, and the tangible equity ratio rose from 10.41% to 11.02%, indicating robust capital management that enhances financial stability and competitive positioning in the market.
- Sustained Strong Margin: The net interest margin for Q4 stood at 5.09%, a 4 basis point improvement from the previous quarter, reflecting ongoing growth in interest income and further solidifying the company's profitability in the industry.
- Loan Growth Outlook: Management anticipates mid-single-digit loan growth for 2026, despite a decrease of $12.4 million in total loans, maintaining strong confidence in future performance and plans to initiate share repurchases soon, emphasizing a commitment to shareholder returns.
See More
Old Second Bancorp (OSBC) Q4 EPS Beats Expectations with 30.1% Revenue Growth
- Earnings Beat: Old Second Bancorp reported a Q4 non-GAAP EPS of $0.58, exceeding expectations by $0.04, indicating a sustained enhancement in the company's profitability.
- Significant Revenue Growth: The company achieved Q4 revenue of $95.2 million, reflecting a year-over-year increase of 30.1%, surpassing analyst expectations by $12.75 million and showcasing successful business expansion.
- Positive Market Reaction: The strong earnings and revenue performance have generated significant buying interest in Old Second Bancorp's stock, potentially driving an upward movement in share price.
- Strong Financial Health: The continuous revenue growth and improved profitability suggest robust operations in the current economic environment, laying a solid foundation for future investments and expansion.
See More
Kinder Morgan (KMI) Expected EPS of $0.37, 15.63% YoY Growth
- Earnings Forecast: Kinder Morgan is expected to report an EPS of $0.37 for Q4 2025, reflecting a 15.63% increase year-over-year, indicating robust growth potential in the oil and gas sector.
- Industry Comparison: CACI anticipates an EPS of $6.41, a 7.73% increase from the previous year, having exceeded expectations every quarter in the past year, showcasing its competitive edge in the computer services industry.
- Financial Performance: Pinnacle Financial Partners forecasts an EPS of $2.32, representing a 22.11% increase year-over-year, consistently beating expectations over the past year, highlighting its strong market performance.
- Significant Growth: Live Oak Bancshares expects an EPS of $0.56, a remarkable 154.55% increase, reflecting rapid growth and an increase in market share within the banking sector.
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
Old Second Bancorp (OSBC) Reports Q4 2025 Net Income of $28.8 Million with 1.64% ROA
- Strong Financial Performance: Old Second Bancorp reported a net income of $28.8 million for Q4 2025, translating to $0.54 per diluted share, with adjusted net income at $30.8 million or $0.58 per share, despite facing a $428,000 loss on mortgage servicing rights and $2.5 million in acquisition-related expenses, showcasing resilience under challenging conditions.
- Improved Asset Quality: The tangible book value per share increased by 61 basis points to $14.12, and the tangible equity ratio rose from 10.41% to 11.02%, indicating robust capital management that enhances financial stability and competitive positioning in the market.
- Sustained Strong Margin: The net interest margin for Q4 stood at 5.09%, a 4 basis point improvement from the previous quarter, reflecting ongoing growth in interest income and further solidifying the company's profitability in the industry.
- Loan Growth Outlook: Management anticipates mid-single-digit loan growth for 2026, despite a decrease of $12.4 million in total loans, maintaining strong confidence in future performance and plans to initiate share repurchases soon, emphasizing a commitment to shareholder returns.
See More
Old Second Bancorp (OSBC) Q4 EPS Beats Expectations with 30.1% Revenue Growth
- Earnings Beat: Old Second Bancorp reported a Q4 non-GAAP EPS of $0.58, exceeding expectations by $0.04, indicating a sustained enhancement in the company's profitability.
- Significant Revenue Growth: The company achieved Q4 revenue of $95.2 million, reflecting a year-over-year increase of 30.1%, surpassing analyst expectations by $12.75 million and showcasing successful business expansion.
- Positive Market Reaction: The strong earnings and revenue performance have generated significant buying interest in Old Second Bancorp's stock, potentially driving an upward movement in share price.
- Strong Financial Health: The continuous revenue growth and improved profitability suggest robust operations in the current economic environment, laying a solid foundation for future investments and expansion.
See More
Kinder Morgan (KMI) Expected EPS of $0.37, 15.63% YoY Growth
- Earnings Forecast: Kinder Morgan is expected to report an EPS of $0.37 for Q4 2025, reflecting a 15.63% increase year-over-year, indicating robust growth potential in the oil and gas sector.
- Industry Comparison: CACI anticipates an EPS of $6.41, a 7.73% increase from the previous year, having exceeded expectations every quarter in the past year, showcasing its competitive edge in the computer services industry.
- Financial Performance: Pinnacle Financial Partners forecasts an EPS of $2.32, representing a 22.11% increase year-over-year, consistently beating expectations over the past year, highlighting its strong market performance.
- Significant Growth: Live Oak Bancshares expects an EPS of $0.56, a remarkable 154.55% increase, reflecting rapid growth and an increase in market share within the banking sector.
See More
