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Old Second Bancorp vs Farmers National Banc: OSBC and FMNB compared
Old Second Bancorp is the larger company: $97.1M of revenue in its latest quarter (Q3 2026) against $96.4M for Farmers National Banc (Q3 2026). Farmers National Banc is growing faster (+36% against +1% a year earlier). Old Second Bancorp is more profitable, with an operating margin of 39.9% against 17.0%.
Where the money goes: OSBC and FMNB
Old Second Bancorp (OSBC) · Q3 2026
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.
Farmers National Banc (FMNB) · Q3 2026
Farmers National Banc, Q3 2026: revenue $96.4M (+36% year over year), operating margin 17.0%, net earnings $14.5M, operating cash flow $28.9M. The chart follows the revenue to costs, profit and cash.
| Old Second Bancorp (OSBC) | Farmers National Banc (FMNB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $97.1M | $96.4M |
| Revenue growth, Y/Y | +1% | +36% |
| Operating margin | 39.9% | 17.0% |
| Net earnings | $28.9M | $14.5M |
| Net margin | 29.8% | 15.1% |
| Operating cash flow | $64.8M | $28.9M |
| Free cash flow | $64.2M | $28.1M |
Where the revenue comes from
Old Second Bancorp
- Net interest income: $84.0M (87%)
- Noninterest income: $13.1M (13%)
Questions
Which is bigger, Old Second Bancorp or Farmers National Banc?
Old Second Bancorp is the larger company: $97.1M of revenue in its latest quarter (Q3 2026) against $96.4M for Farmers National Banc (Q3 2026).
Is Old Second Bancorp or Farmers National Banc growing faster?
Farmers National Banc is growing faster (+36% against +1% a year earlier).
Which is more profitable, Old Second Bancorp or Farmers National Banc?
Old Second Bancorp is more profitable, with an operating margin of 39.9% against 17.0%.
More: Old Second Bancorp earnings · how Old Second Bancorp makes money · Farmers National Banc earnings · how Farmers National Banc makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.