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Old Second Bancorp Earnings Calls
| Release date | Apr 22, 2026 |
| EPS estimate | $0.520 |
| EPS actual | $0.490 |
| EPS Surprise | -5.77% |
| Revenue estimate | 93.175M |
| Revenue actual | 93.774M |
| Revenue Surprise | 0.643% |
| Release date | Jan 21, 2026 |
| EPS estimate | $0.530 |
| EPS actual | $0.580 |
| EPS Surprise | 9.43% |
| Revenue estimate | 94.88M |
| Revenue actual | 95.205M |
| Revenue Surprise | 0.343% |
| Release date | Oct 22, 2025 |
| EPS estimate | $0.258 |
| EPS actual | $0.530 |
| EPS Surprise | 105.19% |
| Revenue estimate | 82.875M |
| Revenue actual | 94.176M |
| Revenue Surprise | 13.64% |
| Release date | Jul 23, 2025 |
| EPS estimate | $0.472 |
| EPS actual | $0.480 |
| EPS Surprise | 1.76% |
| Revenue estimate | 77.65M |
| Revenue actual | 73.643M |
| Revenue Surprise | -5.16% |
Last 4 Quarters for Old Second Bancorp
Below you can see how OSBC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 23, 2025 |
| Price on release | $18.60 |
| EPS estimate | $0.472 |
| EPS actual | $0.480 |
| EPS surprise | 1.76% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $18.61 |
| Jul 18, 2025 | $18.65 |
| Jul 21, 2025 | $18.58 |
| Jul 22, 2025 | $18.66 |
| Jul 23, 2025 | $18.60 |
| Jul 24, 2025 | $17.78 |
| Jul 25, 2025 | $17.85 |
| Jul 28, 2025 | $17.73 |
| Jul 29, 2025 | $17.61 |
| 4 days before | -0.0537% |
| 4 days after | -5.32% |
| On release day | -4.41% |
| Change in period | -5.37% |
| Release date | Oct 22, 2025 |
| Price on release | $17.95 |
| EPS estimate | $0.258 |
| EPS actual | $0.530 |
| EPS surprise | 105.19% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $16.71 |
| Oct 17, 2025 | $17.07 |
| Oct 20, 2025 | $17.75 |
| Oct 21, 2025 | $18.08 |
| Oct 22, 2025 | $17.95 |
| Oct 23, 2025 | $17.86 |
| Oct 24, 2025 | $18.56 |
| Oct 27, 2025 | $18.58 |
| Oct 28, 2025 | $18.61 |
| 4 days before | 7.42% |
| 4 days after | 3.68% |
| On release day | -0.501% |
| Change in period | 11.37% |
| Release date | Jan 21, 2026 |
| Price on release | $21.47 |
| EPS estimate | $0.530 |
| EPS actual | $0.580 |
| EPS surprise | 9.43% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $20.46 |
| Jan 15, 2026 | $20.99 |
| Jan 16, 2026 | $20.66 |
| Jan 20, 2026 | $20.37 |
| Jan 21, 2026 | $21.47 |
| Jan 22, 2026 | $21.26 |
| Jan 23, 2026 | $19.90 |
| Jan 26, 2026 | $19.88 |
| Jan 27, 2026 | $19.82 |
| 4 days before | 4.94% |
| 4 days after | -7.69% |
| On release day | -0.98% |
| Change in period | -3.13% |
| Release date | Apr 22, 2026 |
| Price on release | $21.21 |
| EPS estimate | $0.520 |
| EPS actual | $0.490 |
| EPS surprise | -5.77% |
| Date | Price |
|---|---|
| Apr 16, 2026 | $21.57 |
| Apr 17, 2026 | $21.93 |
| Apr 20, 2026 | $21.79 |
| Apr 21, 2026 | $21.37 |
| Apr 22, 2026 | $21.21 |
| Apr 23, 2026 | $19.85 |
| Apr 24, 2026 | $20.00 |
| Apr 27, 2026 | $20.37 |
| Apr 28, 2026 | $20.91 |
| 4 days before | -1.67% |
| 4 days after | -1.41% |
| On release day | -6.41% |
| Change in period | -3.06% |
Old Second Bancorp Earnings Call Transcript Summary of Q1 2026
Old Second reported Q1 2026 net income of $25.6M ($0.48/share) and adjusted net income of $26.0M ($0.49/share). Key positives: exceptionally strong net interest margin (5.14%, up 5 bps linked quarter and +26 bps y/y), continued tangible book value growth ($14.35), CET1 at 13.13%, solid earnings power and ongoing share repurchases (1.2M shares at $19.63 average; buybacks expected to continue). Key headwinds/risks: $9.8M of net loan charge-offs driven mainly by the powersports portfolio ($3.9M), one commercial real estate (office) charge-off ($3.9M) tied to a downtown Chicago office valuation decline, and one C&I charge-off ($1.3M). Nonperforming loans increased to $22.7M while classified assets declined modestly; ACL held relatively flat at $72.1M (1.39% of loans). Management expects loan growth in the low- to mid-single digits for the year, margins to moderate toward ~5% later in the year, provision expense to normalize as powersports charge-offs seasonally decline, and expense growth to be modest (guide ~3–4% for the year). Management also reiterated plans to continue reducing higher-cost/wholesale funding and to further wind down participation/syndication exposure over time.
