Old Second Reports Q4 Net Interest and Dividend Income of $83.1M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy OSBC?
Net interest and dividend income was $83.1M for the fourth quarter of 2025, reflecting an increase of $276,000, or 0.3%, from the third quarter of 2025, and an increase of $21.5M, or 34.9%, from the fourth quarter of 2024. Chairman, President and Chief Executive Officer Jim Eccher said "Old Second concluded a great year with an extremely strong fourth quarter. Core earnings have exhibited very strong growth in recent periods and profitability remains among the best in the industry with return on average assets of 1.75% and return on average tangible equity of 17.23%, both excluding acquisition related purchase accounting and deal costs. The tax equivalent net interest margin has remained resilient and impressive at 5.09% and the adjusted efficiency ratio was a very healthy 51.28%. This strong bottom-line performance and a well-positioned balance sheet drove an increase in the tangible common equity capital ratio to 11.02% from 10.04% last year end and tangible book value per share increased by 14% in 2025 despite the dilution associated with a meaningful acquisition."
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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: 20.460
Low
19.00
Averages
21.63
High
24.50
Current: 20.460
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 (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 (OSBC) Declares $0.07 Quarterly Dividend with 1.36% Yield
- Quarterly Dividend Announcement: Old Second Bancorp has declared a quarterly dividend of $0.07 per share, consistent with previous distributions, indicating stable cash flow and profitability, which is expected to bolster investor confidence.
- Yield Analysis: The forward yield of 1.36% provides relative attractiveness in the current market environment, potentially drawing in income-seeking investors and enhancing shareholder returns.
- Shareholder Record Dates: The dividend is payable on February 9, with a record date of January 30 and an ex-dividend date also set for January 30, ensuring timely cash flow impacts for shareholders.
- Future Outlook: Following the Evergreen acquisition, Old Second Bancorp signals a shortened earn-back period and a 17% dividend boost, reflecting the company's confidence in future growth and commitment to shareholder returns.
See More
Old Second Bancorp (OSBC) Director Sells 12,500 Shares for $250,000
- Transaction Overview: Director John Ladowicz executed an open-market sale of 12,500 shares of Old Second Bancorp on December 9, 2025, for a total of $250,000, indicating consistency in his trading pattern with a median of 13,150 shares sold over the past year.
- Ownership Changes: The sale was made from an IRA-managed indirect holding, leaving his direct ownership unchanged at 36,121 shares, which suggests continued confidence in the company's future without impacting his direct stake.
- Market Performance: The shares were sold at $20.00, slightly above the market open of $19.82 and close of $19.80, reflecting a total return of 12.38% over the past year, outperforming the regional banking ETF's return of 1.6%.
- Company Outlook: Old Second Bancorp completed its integration of Evergreen Bank Group in 2025, and despite a $12 million decrease in net income compared to the previous quarter, its 1.4% dividend yield and 8.5% year-over-year growth indicate strong competitive positioning among regional banks.
See More
John Ladowicz Sells 12,500 Shares of Old Second Bancorp for $250,000
- Share Sale Details: Director John Ladowicz sold 12,500 shares of Old Second Bancorp on December 9, 2025, for a total of $250,000, representing 6.3% of his indirect holdings, indicating a need for liquidity.
- Performance Impact: The transaction aligns with recent median disposition rates, reflecting Ladowicz's strategy to manage his holdings amid sequential ownership reductions, potentially in response to market fluctuations.
- Company Financials: Old Second Bancorp reported a $12 million decrease in net income for Q3 2025 compared to Q2, primarily due to the integration of Evergreen Bank Group, although it achieved an 8.5% year-over-year return, significantly outperforming the 1.6% return of its peer ETF.
- Market Outlook: With the Federal Reserve expected to cut rates again in 2026, Old Second Bancorp may benefit from a favorable interest rate environment, making it a stock worth considering for future growth opportunities.
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 (OSBC) Declares $0.07 Quarterly Dividend with 1.36% Yield
- Quarterly Dividend Announcement: Old Second Bancorp has declared a quarterly dividend of $0.07 per share, consistent with previous distributions, indicating stable cash flow and profitability, which is expected to bolster investor confidence.
- Yield Analysis: The forward yield of 1.36% provides relative attractiveness in the current market environment, potentially drawing in income-seeking investors and enhancing shareholder returns.
- Shareholder Record Dates: The dividend is payable on February 9, with a record date of January 30 and an ex-dividend date also set for January 30, ensuring timely cash flow impacts for shareholders.
- Future Outlook: Following the Evergreen acquisition, Old Second Bancorp signals a shortened earn-back period and a 17% dividend boost, reflecting the company's confidence in future growth and commitment to shareholder returns.
See More
Old Second Bancorp (OSBC) Director Sells 12,500 Shares for $250,000
- Transaction Overview: Director John Ladowicz executed an open-market sale of 12,500 shares of Old Second Bancorp on December 9, 2025, for a total of $250,000, indicating consistency in his trading pattern with a median of 13,150 shares sold over the past year.
- Ownership Changes: The sale was made from an IRA-managed indirect holding, leaving his direct ownership unchanged at 36,121 shares, which suggests continued confidence in the company's future without impacting his direct stake.
- Market Performance: The shares were sold at $20.00, slightly above the market open of $19.82 and close of $19.80, reflecting a total return of 12.38% over the past year, outperforming the regional banking ETF's return of 1.6%.
- Company Outlook: Old Second Bancorp completed its integration of Evergreen Bank Group in 2025, and despite a $12 million decrease in net income compared to the previous quarter, its 1.4% dividend yield and 8.5% year-over-year growth indicate strong competitive positioning among regional banks.
See More
John Ladowicz Sells 12,500 Shares of Old Second Bancorp for $250,000
- Share Sale Details: Director John Ladowicz sold 12,500 shares of Old Second Bancorp on December 9, 2025, for a total of $250,000, representing 6.3% of his indirect holdings, indicating a need for liquidity.
- Performance Impact: The transaction aligns with recent median disposition rates, reflecting Ladowicz's strategy to manage his holdings amid sequential ownership reductions, potentially in response to market fluctuations.
- Company Financials: Old Second Bancorp reported a $12 million decrease in net income for Q3 2025 compared to Q2, primarily due to the integration of Evergreen Bank Group, although it achieved an 8.5% year-over-year return, significantly outperforming the 1.6% return of its peer ETF.
- Market Outlook: With the Federal Reserve expected to cut rates again in 2026, Old Second Bancorp may benefit from a favorable interest rate environment, making it a stock worth considering for future growth opportunities.
See More
