OSBC FINANCIAL STATEMENTS

Old Second Bancorp Inc — balance sheet, income statement and cash flow trends

OSBCOld Second Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue425.7 M $+26.7%

Gross Profit325.3 M $+20.1%

Operating Income118.6 M $+7.2%

EBITDA128.4 M $+6.8%

Net Income86.1 M $+2.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
OSBC	—	—	—	20.2%
LB	—	—	—	1.4%
SKBNK	—	—	—	14.2%
LLOY	—	—	—	25.9%
NWG	—	—	—	20.1%
KLNMA	—	—	—	58.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity893.3 M $13%
Current Liabilities223.1 M $3%
Long-term Liabilities5.7 B $84%

Key Figures

YoY change

Total Assets6.8 B $+19.6%

Total Liabilities6 B $+18.3%

Total Equity893.3 M $+28.6%

Cash & ST Investments48.1 M $-95.4%

Total Debt323.3 M $+160.9%

Net Debt275.2 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
OSBC	0.22	36.2%	2.14	13.0%
LB	0.01	744.5%	280.57	5.3%
SKBNK	—	0.0%	-13.41	5.9%
LLOY	0.12	209.8%	5.39	5.0%
NWG	0.25	17.0%	-14.68	5.2%
KLNMA	—	0.0%	-0.00	17.7%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
OSBC	0.22	36.2%	2.14	13.0%
UVSP	0.03	34.4%	0.76	11.7%
CCB	783.46	10.5%	0.00	8.9%
FMBH	0.09	56.8%	-0.68	11.6%
CTBI	1.88	43.5%	-1.12	12.9%
PFBC	183.04	49.7%	-2.18	10.1%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow141.4 M $+38.6%

Capital Expenditures5.2 M $-42.5%

Free Cash Flow139.4 M $+50.0%

Dividends Paid-13.2 M $-234.1%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
OSBC	33.2%	32.7%	1.2%	164.3%
LB	-1.8%	-3.5%	1.7%	-134.2%
SKBNK	14.2%	31.2%	17.0%	100.0%
LLOY	—	—	0.0%	—
NWG	—	—	0.0%	—
KLNMA	58.1%	57.8%	0.3%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
OSBC	33.2%	32.7%	1.2%	164.3%
UVSP	20.7%	19.2%	1.5%	113.2%
CCB	43.1%	41.9%	1.3%	525.3%
FMBH	23.7%	22.2%	1.5%	112.7%
CTBI	26.0%	23.2%	2.8%	104.5%
PFBC	33.5%	33.0%	0.5%	125.5%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.