Filing Flows › Old Second Bancorp (OSBC) › Q3 2026
Old Second Bancorp (OSBC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Old Second Bancorp (OSBC) reported revenue of $97.1M for the third quarter 2026 (Q3 2026), +1% from a year earlier and +0.5% from the quarter before. Operating margin was 39.9%, net earnings $28.9M (29.8% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $97.1M | +0.5% | +1% |
| Operating profit | $38.7M | +2% | +197% |
| Net earnings | $28.9M | +3% | +193% |
| Operating cash flow | $64.8M | +127% | +80% |
| Free cash flow | $64.2M | +130% | +85% |
What changed
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.
Questions
What was Old Second Bancorp's revenue in the third quarter 2026?
Old Second Bancorp (OSBC) reported revenue of $97.1M for the third quarter 2026 (Q3 2026), +1% from a year earlier and +0.5% from the quarter before.
Was Old Second Bancorp profitable in the third quarter 2026?
Operating profit was $38.7M (39.9% of revenue) and net earnings $28.9M.
Source: Old Second Bancorp 10-Q on SEC EDGAR.