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Old Second Bancorp, Inc.

OSBC Finance Major Banks
$24.43
▼ -1.8% Today
as of Oct 23, 16:51 ET
Last 30 days -4.23% Sep 14 → Oct 23
$24.34 $24.66 $24.98 $25.30 $25.62 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$24.40
High
$24.66
Low
$24.28
Volume
$927,135
Avg Vol
$404,526
Mkt Cap
$1.3B
P/E (TTM)
20.73
Beta
—
52w High
$26.06
52w Low
$17.11
Div Yield
—
Shares Out
$51M

Recent Press Releases & News last 60 days · 21 items

▸ Show all 21 press releases & news Free account →

OSBC earnings at a glance

The options market is pricing a move of about ±6.8% after the report, a range of roughly $22.76 to $26.10 from today's $24.43. Over its last 6 reports the stock rose the next day 2 times and fell 4, moving ±2.3% on average; after the most recent report on Jul 22, 2026 it moved +0.4%. That means options currently expect more movement than OSBC has typically delivered. OSBC beat the consensus EPS estimate in 3 of its last 6 reported quarters. Implied volatility is currently 33%. The share price of $24.43 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$17
$26
82% of range
Avg surprise (last 6)
+0.9%
Avg reaction (last 6)
-1.8%
33% positive
Latest IV / EM
33%
EM ±6.8% · $25 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.45$0.48$0.52$0.55$0.58 Actual $0.52Actual $0.56Actual $0.54Actual $0.47Actual $0.48Actual $0.50Actual $0.45Est $0.46Actual $0.48Est $0.49Actual $0.53Est $0.51Actual $0.58Est $0.53Actual $0.49Est $0.52Actual $0.55Est $0.54 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$7M$15M$22M$30M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Jul 22, 2026Jun/2026 $0.55 $0.54 +1.9% +12.5% +0.4% earnings
Wed Apr 22, 20268K 2026-04-22 $0.49 $0.52 -5.8% — -6.4% earnings
Wed Jan 21, 20268K 2026-01-21 $0.58 $0.53 +9.4% — -1.0% earnings
Wed Oct 22, 2025Sep/2025 $0.53 $0.51 +3.9% — -0.5% earnings
Wed Jul 23, 2025Jun/2025 $0.48 $0.49 -2.0% — -4.4% earnings
Wed Apr 23, 2025Mar/2025 $0.45 $0.46 -2.2% — +0.9% earnings
Mon Sep 30, 2024Sep 2024 $0.50 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.48 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.47 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.54 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.56 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.52 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$28M$26M—$10M$22M$20M—$23M
EPS (diluted)$0.54$0.48—$0.18$0.48$0.43—$0.50

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$143M$116M$124M$117M$142M$256M$99M$116M
Inventory————————
Total current assets————————
Total assets$6.87B$6.85B$6.90B$6.99B$5.70B$5.73B$5.65B$5.67B
Long-term debt————————
Total liabilities$5.97B$5.96B$6.01B$6.13B$4.98B$5.03B$4.98B$5.01B
Total equity$903M$893M$897M$867M$719M$694M$671M$661M

Implied volatility — last 90 days

20%133%245%358%471% Jun 08 — IV 98% · EM ±12.9%Jul 16 — IV 471% · EM ±19.7%Jul 20 — IV 46% · EM ±10.8%Jul 21 — IV 39% · EM ±9.1%Jul 22 — IV 43% · EM ±9.8%Aug 05 — IV 109% · EM ±18.2%Aug 12 — IV 46% · EM ±5.8%Aug 13 — IV 136% · EM ±16.1%Aug 14 — IV 152% · EM ±16.8%Aug 17 — IV 204% · EM ±17.0%Aug 18 — IV 175% · EM ±12.7%Aug 24 — IV 32% · EM ±6.7%Aug 25 — IV 26% · EM ±5.4%Aug 26 — IV 27% · EM ±5.3%Aug 27 — IV 24% · EM ±4.8%Aug 28 — IV 26% · EM ±5.0%Aug 31 — IV 22% · EM ±4.0%Sep 01 — IV 21% · EM ±3.6%Sep 02 — IV 35% · EM ±5.9%Sep 03 — IV 41% · EM ±6.6%Sep 04 — IV 44% · EM ±6.8%Sep 07 — IV 49% · EM ±6.8%Sep 08 — IV 42% · EM ±5.5%Sep 09 — IV 32% · EM ±4.0%Sep 10 — IV 41% · EM ±4.9%Sep 11 — IV 50% · EM ±5.5%Sep 14 — IV 59% · EM ±4.9%Sep 15 — IV 62% · EM ±4.5%Sep 16 — IV 20% · EM ±1.2%Sep 21 — IV 33% · EM ±6.8%

Sector peers

OSBC earnings FAQ

What is OSBC's expected move for earnings?

Options currently price a move of about ±6.8%, or $1.67 per share either way from $24.43.

How does OSBC stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.3%, up 2 times and down 4 times.

What is OSBC's implied volatility?

OSBC's at-the-money implied volatility is about 33% based on the latest options snapshot.

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