Education
About Us
Working with TipRanks
Follow Us
Old Second Bancorp (OSBC)
NASDAQ:OSBC
Earnings Data
Report Date
Oct 15, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.26Last Year’s EPS
0.5Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflected a strong financial performance with significant growth in net income, improved net interest margin, and successful integration of the Evergreen Bank acquisition. Despite some merger-related expenses and increased noninterest expenses, the company's asset quality and loan growth remain robust, contributing to a positive outlook.Company Guidance
Strong Financial Performance
Net income was $21.8 million or $0.48 per diluted share. Return on assets was 1.53% and return on average tangible common equity was 15.29%. The tangible equity ratio increased by 49 basis points from last quarter to 10.83%.
Net Interest Margin and Revenue Growth
Net interest margin improved 22 basis points year-over-year on a tax equivalent basis. Net interest income increased by $1.3 million or 2.1% to $64 million for the quarter.
Loan and Deposit Growth
Total loans increased by $58.4 million from last quarter. Average deposits increased $51 million or 1.1% quarter-over-quarter.
Successful Evergreen Bank Acquisition
The integration of Evergreen Bank is proceeding well, with financial performance exceeding initial expectations. Cost saves estimates are on target and earnings expectations are slightly higher.
Strong Asset Quality
Asset quality remained stable with nonperforming assets flat and only a modest increase in classified assets. Allowance for credit losses on loans increased to $43 million or 1.08% of total loans.
OSBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OSBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 23, 2025 | $18.60 | $18.54 | -0.32% |
Apr 23, 2025 | $15.35 | $15.49 | +0.91% |
Jan 22, 2025 | $18.49 | $18.04 | -2.43% |
Oct 16, 2024 | $15.89 | $16.80 | +5.73% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Old Second Bancorp (OSBC) report earnings?
Old Second Bancorp (OSBC) is schdueled to report earning on Oct 15, 2025, After Close (Confirmed).
What is Old Second Bancorp (OSBC) earnings time?
Old Second Bancorp (OSBC) earnings time is at Oct 15, 2025, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OSBC EPS forecast?
OSBC EPS forecast for the fiscal quarter 2025 (Q3) is 0.26.