Old Second Bancorp (OSBC) Reports Q3 Earnings: What Key Metrics Have to Say

Old Second Bancorp (OSBC) reported $95.88 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 34.7%. EPS of $0.53 for the same period compares to $0.51 a year ago.

The reported revenue represents a surprise of +4.56% over the Zacks Consensus Estimate of $91.7 million. With the consensus EPS estimate being $0.51, the EPS surprise was +3.92%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Old Second Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin: 5% compared to the 4.8% average estimate based on three analysts.
• Efficiency Ratio: 64.5% versus 56.4% estimated by three analysts on average.
• Average Balance - Total interest earning assets: $6.53 billion versus $6.66 billion estimated by two analysts on average.
• Total noninterest income: $13.11 million compared to the $11.81 million average estimate based on three analysts.
• Other income: $1.54 million compared to the $1.32 million average estimate based on two analysts.
• Net interest and dividend income: $82.78 million versus the two-analyst average estimate of $80.26 million.
• Wealth management: $3.52 million versus the two-analyst average estimate of $3.12 million.
• Change in cash surrender value of BOLI: $1.18 million versus $0.7 million estimated by two analysts on average.
• Card related income: $2.74 million versus the two-analyst average estimate of $2.71 million.
• Service charges on deposits: $2.92 million versus the two-analyst average estimate of $2.8 million.
• Net Interest Income (TE): $83.11 million versus the two-analyst average estimate of $80.03 million.
• Net gain on sales of mortgage loans: $0.62 million compared to the $0.6 million average estimate based on two analysts.

View all Key Company Metrics for Old Second Bancorp here>>>

Shares of Old Second Bancorp have returned +1.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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