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Old Second Bancorp (OSBC)
NASDAQ:OSBC
Earnings Data
Report Date
Jan 28, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.48Last Year’s EPS
0.42Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call reflected strong financial performance and successful integration of the Evergreen acquisition, leading to improved net interest margins and increased noninterest income. However, there were challenges with increased provisions for credit losses and higher noninterest expenses due to acquisition costs. Asset quality showed some signs of stress, with increased nonperforming loans and classified assets.Company Guidance
Net Interest Margin Improvement
Net interest margin increased to 5.05% in Q3 2025, a 20 basis point improvement from last quarter and 41 basis points year-over-year.
Successful Evergreen Acquisition
The acquisition of Bancorp Financial and Evergreen Bank Group completed on July 1, has been integrated successfully, enhancing net interest income and expanding the loan portfolio.
Noninterest Income Growth
Noninterest income increased by $2.1 million compared to the prior year, with wealth management fees up 26.1% and service charges on deposits up over 10%.
Dividend Increase
The company announced a 17% increase in the quarterly dividend, reflecting confidence in ongoing performance.
Record Loan Growth
Total loans increased by $1.27 billion due to the acquisition, with organic loan growth of $72 million in the third quarter.
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 |
|---|---|---|---|
Oct 22, 2025 | $17.95 | $17.86 | -0.50% |
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% |
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 Jan 28, 2026, After Close (Confirmed).
What is Old Second Bancorp (OSBC) earnings time?
Old Second Bancorp (OSBC) earnings time is at Jan 28, 2026, 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 (Q4) is 0.48.