Old Second Bancorp’s fourth quarter delivered results that aligned with Wall Street’s revenue expectations, while non-GAAP earnings per share outpaced analyst forecasts. Management attributed the quarter’s performance to strong net interest margin, prudent cost control, and ongoing benefits from the integration of recent acquisitions. CEO Jim Eccher noted that the company’s “exceptionally strong net interest margin at 5.09%” was a key driver, alongside an increased tangible equity ratio and steady asset quality. However, management also highlighted higher net charge-offs in the Powersports portfolio, acknowledging, “losses given default are running a bit higher than we expected,” though they emphasized contribution margins in that segment remain robust.
Midwest regional bank Old Second Bancorp (NASDAQ:OSBC) met Wall Streets revenue expectations in Q4 CY2025, with sales up 29.9% year on year to $95.54 million. Its non-GAAP profit of $0.58 per share was 8.1% above analysts’ consensus estimates.
Midwest regional bank Old Second Bancorp (NASDAQ:OSBC) met Wall Streets revenue expectations in Q4 CY2025, with sales up 29.5% year on year to $95.21 million. Its non-GAAP profit of $0.58 per share was 8.1% above analysts’ consensus estimates.
Old Second Bancorp has been treading water for the past six months, recording a small return of 4.1% while holding steady at $19.74. The stock also fell short of the S&P 500’s 11.1% gain during that period.
Wrapping up Q3 earnings, we look at the numbers and key takeaways for the regional banks stocks, including Old Second Bancorp (NASDAQ:OSBC) and its peers.
Old Second Bancorp trades at $20.26 and has moved in lockstep with the market. Its shares have returned 7.5% over the last six months while the S&P 500 has gained 10.5%.
The stocks featured in this article have all approached their 52-week highs.
When these price levels hit, it typically signals strong business execution, positive market sentiment, or significant industry tailwinds.
Midwest regional bank Old Second Bancorp (NASDAQ:OSBC) reported Q3 CY2025 results topping the market’s revenue expectations, with sales up 34.6% year on year to $96.22 million. Its non-GAAP profit of $0.53 per share was 4.6% above analysts’ consensus estimates.
