Filing Flows › Old Second Bancorp (OSBC) › Q3 2026 › vs Q3 2025
Old Second Bancorp (OSBC) Q3 2026 vs Q3 2025 (year over year)
Old Second Bancorp's revenue rose $1.2M (+1%) from $95.9M in Q3 2025 to $97.1M in Q3 2026. The biggest changes: Net interest income +$1.3M (+2%); Noninterest income −$39K (-0.3%). Operating margin 39.9% against 13.6% (+26.3 pts).
Old Second Bancorp, Q3 2026: revenue $97.1M (+1% year over year), operating margin 39.9%, net earnings $28.9M, operating cash flow $64.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.9% | 13.6% | +26.3 pts |
| Net margin | 29.8% | 10.3% | +19.5 pts |
| Free cash flow margin | 66.1% | 36.2% | +29.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $84.0M | $82.8M | $1.3M | +2% |
| Noninterest income | $13.1M | $13.1M | −$39K | -0.3% |
| Revenue | $97.1M | $95.9M | $1.2M | +1% |
| Operating profit | $38.7M | $13.1M | $25.7M | +197% |
| Costs & expenses | $58.4M | $82.8M | −$24.4M | -30% |
| Pre-tax earnings | $38.7M | $13.1M | $25.7M | +197% |
| Credit loss provision | $6.8M | $19.7M | −$12.9M | -66% |
| Noninterest expense | $51.6M | $63.2M | −$11.5M | -18% |
| Net earnings | $28.9M | $9.9M | $19.1M | +193% |
| Income tax | $9.8M | $3.2M | $6.6M | +207% |
| Depreciation & amortization | $1.7M | $1.6M | $125K | +8% |
| Share-based compensation | $1.4M | $1.6M | −$141K | -9% |
| Working capital & other | $32.7M | $22.9M | $9.8M | +43% |
| Operating cash flow | $64.8M | $35.9M | $28.9M | +80% |
| Free cash flow (OCF − capex) | $64.2M | $34.7M | $29.5M | +85% |
| Capital expenditures | $617K | $1.2M | −$609K | -50% |
Questions
How much did Old Second Bancorp's revenue grow year over year in Q3 2026?
Old Second Bancorp's revenue rose $1.2M (+1%) from $95.9M in Q3 2025 to $97.1M in Q3 2026.
What drove Old Second Bancorp's revenue change in Q3 2026?
Net interest income +$1.3M (+2%); Noninterest income −$39K (-0.3%).