Q3 2026 Revenue up 1% year over year to $97.1M · 30¢ of every $1 of revenue kept as net profit · operating margin 39.9%
Old Second Bancorp made $97.1M in Q3 2026 (+1% Y/Y): Net interest income $84.0M, Noninterest income $13.1M. Operating margin 39.9%, net earnings $28.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Revenue$97.1M
Year over year+1%
Operating margin39.9%
Net earnings$28.9M
Operating cash flow$64.8M
Drawing the Sankey…
Open the interactive Sankey →click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $97.1M in Q3 2026, up 1% year over year and up 1% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $1.3M year over year (up 2%), 103% of the total change.
Operating profit was $38.7M, a 39.9% margin (up 26.3 points year over year). Of the extra revenue versus a year earlier, 2079% reached operating profit, above the 14% margin then. Total costs fell 30% while revenue rose 1%. Net earnings were $28.9M, up 193% year over year. The effective tax rate was 25.3%.
Operating cash flow was $64.8M (up 80% year over year), 224% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $1.4M of share-based compensation. Working capital and other items added $32.7M. Capital expenditures of $617K left free cash flow of $64.2M.
Quarterly history
Quarter
Form
Filed
Revenue
Y/Y
Op. margin
Net earnings
Op. cash flow
Q3 2026
10-Q
Nov 4, 2026
$97.1M
+1%
39.9%
$28.9M
$64.8M
Charts
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.Latest (Q3 2026): Net income $28.9M, Operating cash flow $64.8M.+64.6% since FY2020: more shares outstanding (issuance, stock pay).Cash $124M, short-term investments —, long-term debt — at 2025-12-31.State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
Old Second Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +1% against the peers' median +10%. Operating margin: 39.9% against the peers' median 34.7%.