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Old Second Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$64.2M in Q3 2026 · $172M over twelve months

Operating cash flow$64.8M
Capital spending−$617K
Free cash flow+$64.2M
Cash / net income2.2×

Analysis

In Q3 2026, Old Second Bancorp generated $64.8M of operating cash flow and spent $617K on capital projects, leaving free cash flow of $64.2M. That is $29.5M more than in Q3 2025 ($34.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $175M; the largest uses were other financing ($232M), buybacks ($79.8M), dividends ($14.6M); besides operations, cash came from other investing ($145M), asset & business sales ($731K); the cash balance fell by $8.4M.

Operating cash flow was $64.8M against net income of $28.9M — 2.2× profit, cash ran ahead of reported earnings. The largest differences: income taxes payable +$3.3M, depreciation & amortization +$1.7M, stock-based pay +$1.4M.

Free cash flow

Old Second Bancorp: free cash flow by quarterOld Second Bancorp: free cash flow by quarter$21.8MQ4 2024$16.2MQ1 2025$23.5MQ2 2025$34.7MQ3 2025$43.4MQ4 2025$36.2MQ1 2026$27.9MQ2 2026$64.2MQ3 2026
Operating cash flow less capital spending.
Old Second Bancorp: operating cash flow against capital spendingOld Second Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$24.0M$2.1MQ4 2024$17.8M$1.6MQ1 2025$24.2M$789KQ2 2025$35.9M$1.2MQ3 2025$44.2M$881KQ4 2025$36.9M$769KQ1 2026$28.6M$667KQ2 2026$64.8M$617KQ3 2026
Latest (Q3 2026): Operating cash flow $64.8M, Capital spending $617K.

Capital allocation, year by year

Old Second Bancorp: where the cash came from (up) and went (down), by fiscal yearOld Second Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $31.0MFY2021: Net borrowing −$4.0MFY2021: Capital spending −$2.0MFY2021: Acquisitions $149MFY2021: Buybacks −$10.4MFY2021: Dividends −$4.6M$180MFY2021FY2022: Operating cash flow $97.3MFY2022: Net borrowing −$4.0MFY2022: Asset sales $13.3MFY2022: Capital spending −$4.3MFY2022: Acquisitions −$146KFY2022: Buybacks −$455KFY2022: Dividends −$8.9M$111MFY2022FY2023: Operating cash flow $116MFY2023: Net borrowing −$45.0MFY2023: Asset sales $4.5MFY2023: Capital spending −$12.4MFY2023: Buybacks −$605KFY2023: Dividends −$8.9M$121MFY2023FY2024: Operating cash flow $132MFY2024: Net borrowing $30.0MFY2024: Capital spending −$10.8MFY2024: Acquisitions $237MFY2024: Buybacks −$1.0MFY2024: Dividends −$9.4M$399MFY2024FY2025: Operating cash flow $122MFY2025: Net borrowing $30.0MFY2025: Asset sales $2.2MFY2025: Capital spending −$4.5MFY2025: Acquisitions $10.5MFY2025: Buybacks −$7.4MFY2025: Dividends −$12.2M$165MFY2025
Over these 5 years operating cash flow totalled $499M; the largest uses were net borrowing ($53.0M) and dividends ($44.1M). Cash-flow statements as filed.

Where the cash came from and went

Old Second Bancorp: sources (+) and uses (−) of cash, Q3 2026Old Second Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing−$95.4MOperating cash flow$64.8MBuybacks−$39.5MOther investing$39.1MCash drawn (+) / kept (−)$35.2MDividends−$3.6MCapital spending−$617KShares issued$2K
Old Second Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Old Second Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$232MOperating cash flow$175MOther investing$145MBuybacks−$79.8MDividends−$14.6MCash drawn (+) / kept (−)$8.4MCapital spending−$2.9MAsset & business sales$731K

From profit to cash

Old Second Bancorp: net income to operating cash flow, Q3 2026Old Second Bancorp: net income to operating cash flow, Q3 2026Net income$28.9MDepreciation & amortization$1.7MStock-based pay$1.4MIncome taxes payable$3.3MOperating cash flow$64.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$64.8M−$617K—−$39.5M−$3.6M$2K$35.2M$64.2M
Q2 2026$28.6M−$667K—−$15.8M−$3.6M—−$27.6M$27.9M
Q1 2026$36.9M−$769K—−$24.5M−$3.7M—$8.3M$36.2M
Q4 2025$44.2M−$881K—−$36K−$3.7M—−$7.5M$43.4M
Q3 2025$35.9M−$1.2M$10.5M−$5.9M−$3.2M—$25.2M$34.7M
Q2 2025$24.2M−$789K—−$62K−$2.7M—$114M$23.5M
Q1 2025$17.8M−$1.6M$28K−$1.4M−$2.7M—−$157M$16.2M
Q4 2024$24.0M−$2.1M—−$257K−$2.7M—$16.4M$21.8M

Old Second Bancorp: income statement and cash flow

Old Second Bancorp, Q3 2026: revenue $97.1M (+1% year over year), operating margin 39.9%. The chart follows the revenue to costs, profit and cash.

Old Second Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.