Old Second Bancorp Past Earnings Performance

Past criteria checks 4/6

Old Second Bancorp has been growing earnings at an average annual rate of 25.4%, while the Banks industry saw earnings growing at 9.6% annually. Revenues have been growing at an average rate of 20.7% per year. Old Second Bancorp's return on equity is 15%, and it has net margins of 33.3%.

Key information

25.4%

Earnings growth rate

12.8%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	20.7%
Return on equity	15.0%
Net Margin	33.3%
Last Earnings Update	31 Mar 2024

Recent past performance updates

Recent updates

Rainbows and Unicorns: Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Became A Lot More Optimistic

Jan 28

Old Second Bancorp (NASDAQ:OSBC) Has Affirmed Its Dividend Of $0.05

Jan 21

Old Second Bancorp Expects Big Gains From Higher Rates, Inflation

Sep 26

O2 Sponsor Finance provides senior secured credit facilities to support Prospect Partners' recapitalization of Blackwood Solutions

Sep 19

Old Second Bancorp declares $0.05 dividend

Jul 21

Old Second Bancorp (NASDAQ:OSBC) Is Due To Pay A Dividend Of US$0.05

Apr 23

Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Slashed This Year's Revenue Estimates By 13%

Jul 24

Is Now The Time To Put Old Second Bancorp (NASDAQ:OSBC) On Your Watchlist?

Jun 07

Old Second Bancorp, Inc.'s (NASDAQ:OSBC) CEO Will Probably Find It Hard To See A Huge Raise This Year

May 12

Have Insiders Sold Old Second Bancorp, Inc. (NASDAQ:OSBC) Shares Recently?

Mar 12

Revenue & Expenses Breakdown
Beta

How Old Second Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:OSBC Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 24	268	89	118
31 Dec 23	270	92	116
30 Sep 23	279	97	119
30 Jun 23	272	92	119
31 Mar 23	256	79	120
31 Dec 22	243	67	122
30 Sep 22	198	35	119
30 Jun 22	169	24	109
31 Mar 22	149	20	96
31 Dec 21	132	20	83
30 Sep 21	137	37	71
30 Jun 21	138	39	69
31 Mar 21	136	39	67
31 Dec 20	119	28	66
30 Sep 20	118	29	64
30 Jun 20	120	31	64
31 Mar 20	121	31	65
31 Dec 19	130	39	64
30 Sep 19	129	39	59
30 Jun 19	124	36	58
31 Mar 19	123	33	60
31 Dec 18	120	34	61
30 Sep 18	117	23	59
30 Jun 18	112	21	57
31 Mar 18	106	20	54
31 Dec 17	103	15	54
30 Sep 17	102	23	54
30 Jun 17	97	18	54
31 Mar 17	94	17	52
31 Dec 16	91	16	50
30 Sep 16	88	14	49
30 Jun 16	89	15	48
31 Mar 16	93	14	48
31 Dec 15	92	14	49
30 Sep 15	94	12	48
30 Jun 15	95	10	49
31 Mar 15	90	14	49
31 Dec 14	90	12	49
30 Sep 14	86	9	50
30 Jun 14	87	79	51
31 Mar 14	89	73	51
31 Dec 13	95	77	52
30 Sep 13	94	78	51
30 Jun 13	96	5	52

Quality Earnings: OSBC has high quality earnings.

Growing Profit Margin: OSBC's current net profit margins (33.3%) are higher than last year (30.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: OSBC's earnings have grown significantly by 25.4% per year over the past 5 years.

Accelerating Growth: OSBC's earnings growth over the past year (13.2%) is below its 5-year average (25.4% per year).

Earnings vs Industry: OSBC earnings growth over the past year (13.2%) exceeded the Banks industry -13.8%.

Old Second Bancorp Past Earnings Performance

Past criteria checks 4/6

Key information

Recent past performance updates

First quarter 2024 earnings: EPS exceeds analyst expectations

First quarter 2024 earnings: EPS exceeds analyst expectations

Old Second Bancorp, Inc. to Report Q1, 2024 Results on Apr 17, 2024

Full year 2023 earnings: EPS misses analyst expectations

Full year 2023 earnings: EPS misses analyst expectations

Old Second Bancorp, Inc. Reports Net Charge–Offs for the Fourth Quarter Ended December 31, 2023

Recent updates

First quarter 2024 earnings: EPS exceeds analyst expectations

Vice Chairman of the Board recently sold US$299k worth of stock

Vice Chairman of the Board recently sold US$586k worth of stock

Vice Chairman of the Board recently sold US$586k worth of stock

Old Second Bancorp (NASDAQ:OSBC) Is Paying Out A Dividend Of $0.05

Old Second Bancorp, Inc., Annual General Meeting, May 21, 2024

First quarter dividend of US$0.05 announced

First quarter 2024 earnings: EPS exceeds analyst expectations

Old Second Bancorp, Inc. Declares Dividend, Payable on May 6, 2024

Old Second Bancorp, Inc. to Report Q1, 2024 Results on Apr 17, 2024

New minor risk - Dividend sustainability

Full year 2023 earnings: EPS misses analyst expectations

Old Second National Bank Appoints Steve Rankins as A Senior Vice President/Senior Managing Director in Commercial Banking Group

O2 Sponsor Finance Promotes Nick O’Brien to Senior Vice President

Here's Why We Think Old Second Bancorp (NASDAQ:OSBC) Is Well Worth Watching

Full year 2023 earnings: EPS misses analyst expectations

Old Second Bancorp, Inc. Reports Net Charge–Offs for the Fourth Quarter Ended December 31, 2023

Third quarter dividend of US$0.05 announced

Old Second Bancorp, Inc. Declares Cash Dividend, Payable on February 5, 2024

High number of new directors

Old Second Bancorp, Inc. Announces Resignation of William Kane as Member of Board of Director

Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

Third quarter 2023 earnings: EPS exceeds analyst expectations

Old Second Bancorp, Inc. Declares Cash Dividend Payable on November 6, 2023

Old Second Bancorp, Inc. to Report Q3, 2023 Results on Oct 18, 2023

Old Second Bancorp, Inc. Announces Resignation of James Tapscott as A Member of the Board of Directors

Price target increased by 7.8% to US$18.50

Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05

New major risk - Revenue and earnings growth

Second quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

William Skoglund, A Member of the Board of Directors of Old Second Bancorp, Inc. Resigns from the Board

Price target decreased by 7.2% to US$17.17

Old Second Bancorp, Inc. to Report Q2, 2023 Results on Jul 19, 2023

Investor sentiment improves as stock rises 16%

Now 21% undervalued after recent price drop

Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.05

Price target decreased by 11% to US$18.83

Full year 2022 earnings: EPS in line with analyst expectations despite revenue beat

Investor sentiment deteriorates as stock falls 15%

Consensus revenue estimates increase by 16%

Price target increased by 7.7% to US$20.90

Rainbows and Unicorns: Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Became A Lot More Optimistic

Full year 2022 earnings: EPS in line with analyst expectations despite revenue beat

Old Second Bancorp (NASDAQ:OSBC) Has Affirmed Its Dividend Of $0.05

Old Second Bancorp, Inc. Declares Cash Dividend, Payable on February 6, 2023

Old Second Bancorp, Inc. to Report Q4, 2022 Results on Jan 25, 2023

Independent Lead Director recently bought US$164k worth of stock

Price target increased to US$20.40

Old Second Bancorp, Inc. Announces Resignation of Duane Suits as Member of Board, Effective November 8, 2022

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Old Second Bancorp, Inc. Declares Cash Dividend, Payable on November 7, 2022

Old Second Bancorp, Inc. to Report Q3, 2022 Results on Oct 26, 2022

Old Second Bancorp Expects Big Gains From Higher Rates, Inflation

O2 Sponsor Finance provides senior secured credit facilities to support Prospect Partners' recapitalization of Blackwood Solutions

Second quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

Old Second Bancorp declares $0.05 dividend

Old Second Bancorp, Inc. Declares Cash Dividend, Payable on August 8, 2022

Old Second Bancorp, Inc. to Report Q2, 2022 Results on Jul 27, 2022

Independent Lead Director recently bought US$57k worth of stock

Old Second Bancorp, Inc. Announces William B. Skoglund, Resigned as Chairman

Independent Chairman of the Board notifies of intention to sell stock

Consensus EPS estimates increase by 14%

First quarter 2022 earnings: Revenues miss analyst expectations

Price target increased to US$18.60

Old Second Bancorp (NASDAQ:OSBC) Is Due To Pay A Dividend Of US$0.05

Old Second Bancorp, Inc. Declares A Cash Dividend, Payable on April 29, 2022

Old Second Bancorp, Inc., Annual General Meeting, May 17, 2022

Independent Chairman of the Board recently sold US$65k worth of stock

Old Second Bancorp, Inc. to Report Q1, 2022 Results on Apr 27, 2022

Revenue & Expenses Breakdown
Beta