For the quarter ended December 2025, Old Second Bancorp (OSBC) reported revenue of $95.21 million, up 30.1% over the same period last year. EPS came in at $0.58, compared to $0.44 in the year-ago quarter.
The reported revenue represents a surprise of -0.47% over the Zacks Consensus Estimate of $95.65 million. With the consensus EPS estimate being $0.53, the EPS surprise was +9.43%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 5.1% compared to the 5% average estimate based on three analysts.
- Efficiency Ratio: 54% compared to the 54.3% average estimate based on three analysts.
- Average Balance - Total interest earning assets: $6.5 billion versus $6.58 billion estimated by two analysts on average.
- Net gain on sales of mortgage loans: $0.66 million versus the three-analyst average estimate of $0.58 million.
- Total noninterest income: $12.15 million versus $12.78 million estimated by three analysts on average.
- Service charges on deposits: $2.86 million versus the two-analyst average estimate of $2.93 million.
- Net interest and dividend income: $83.05 million versus $82.96 million estimated by two analysts on average.
- Wealth management: $3.54 million versus the two-analyst average estimate of $3.55 million.
- Change in cash surrender value of BOLI: $0.83 million versus the two-analyst average estimate of $0.93 million.
- Card related income: $2.72 million versus $2.75 million estimated by two analysts on average.
- Other income: $1.4 million versus the two-analyst average estimate of $1.53 million.
- Net Interest Income (TE): $83.38 million compared to the $82.53 million average estimate based on two analysts.
View all Key Company Metrics for Old Second Bancorp here>>>
Shares of Old Second Bancorp have returned +0.9% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Old Second Bancorp, Inc. (OSBC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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