Old Second Bancorp Past Earnings Performance
Past criteria checks 2/6
Old Second Bancorp has been growing earnings at an average annual rate of 27.2%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 20.9% per year. Old Second Bancorp's return on equity is 12.8%, and it has net margins of 32%.
Key information
27.2%
Earnings growth rate
15.3%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 20.9% |
| Return on equity | 12.8% |
| Net Margin | 32.0% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How Old Second Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 264 | 84 | 124 | 0 |
| 30 Jun 24 | 265 | 86 | 121 | 0 |
| 31 Mar 24 | 268 | 89 | 118 | 0 |
| 31 Dec 23 | 270 | 92 | 116 | 0 |
| 30 Sep 23 | 279 | 97 | 119 | 0 |
| 30 Jun 23 | 272 | 92 | 119 | 0 |
| 31 Mar 23 | 256 | 79 | 120 | 0 |
| 31 Dec 22 | 243 | 67 | 122 | 0 |
| 30 Sep 22 | 198 | 35 | 119 | 0 |
| 30 Jun 22 | 169 | 24 | 109 | 0 |
| 31 Mar 22 | 149 | 20 | 96 | 0 |
| 31 Dec 21 | 132 | 20 | 83 | 0 |
| 30 Sep 21 | 137 | 37 | 71 | 0 |
| 30 Jun 21 | 138 | 39 | 69 | 0 |
| 31 Mar 21 | 136 | 39 | 67 | 0 |
| 31 Dec 20 | 119 | 28 | 66 | 0 |
| 30 Sep 20 | 118 | 29 | 64 | 0 |
| 30 Jun 20 | 120 | 31 | 64 | 0 |
| 31 Mar 20 | 121 | 31 | 65 | 0 |
| 31 Dec 19 | 130 | 39 | 64 | 0 |
| 30 Sep 19 | 129 | 39 | 59 | 0 |
| 30 Jun 19 | 124 | 36 | 58 | 0 |
| 31 Mar 19 | 123 | 33 | 60 | 0 |
| 31 Dec 18 | 120 | 34 | 61 | 0 |
| 30 Sep 18 | 117 | 23 | 59 | 0 |
| 30 Jun 18 | 112 | 21 | 57 | 0 |
| 31 Mar 18 | 106 | 20 | 54 | 0 |
| 31 Dec 17 | 103 | 15 | 54 | 0 |
| 30 Sep 17 | 102 | 23 | 54 | 0 |
| 30 Jun 17 | 97 | 18 | 54 | 0 |
| 31 Mar 17 | 94 | 17 | 52 | 0 |
| 31 Dec 16 | 91 | 16 | 50 | 0 |
| 30 Sep 16 | 88 | 14 | 49 | 0 |
| 30 Jun 16 | 89 | 15 | 48 | 0 |
| 31 Mar 16 | 93 | 14 | 48 | 0 |
| 31 Dec 15 | 92 | 14 | 49 | 0 |
| 30 Sep 15 | 94 | 12 | 48 | 0 |
| 30 Jun 15 | 95 | 10 | 49 | 0 |
| 31 Mar 15 | 90 | 14 | 49 | 0 |
| 31 Dec 14 | 90 | 12 | 49 | 0 |
| 30 Sep 14 | 86 | 9 | 50 | 0 |
| 30 Jun 14 | 87 | 79 | 51 | 0 |
| 31 Mar 14 | 89 | 73 | 51 | 0 |
| 31 Dec 13 | 95 | 77 | 52 | 0 |
Quality Earnings: OSB has high quality earnings.
Growing Profit Margin: OSB's current net profit margins (32%) are lower than last year (34.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: OSB's earnings have grown significantly by 27.2% per year over the past 5 years.
Accelerating Growth: OSB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: OSB had negative earnings growth (-13.1%) over the past year, making it difficult to compare to the Banks industry average (13%).
Return on Equity
High ROE: OSB's Return on Equity (12.8%) is considered low.