Old Second Bancorp (OSBC) Reports Q1 Earnings: What Key Metrics Have to Say

Old Second Bancorp (OSBC) reported $73.11 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 4%. EPS of $0.45 for the same period compares to $0.47 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $70.55 million, representing a surprise of +3.62%. The company delivered an EPS surprise of -2.17%, with the consensus EPS estimate being $0.46.

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:

• Efficiency Ratio: 56.5% versus the three-analyst average estimate of 57.2%.
• Net Interest Margin: 4.9% compared to the 4.6% average estimate based on three analysts.
• Average Balance - Total interest earning assets: $5.26 billion compared to the $5.34 billion average estimate based on two analysts.
• Total noninterest income: $10.20 million versus the three-analyst average estimate of $10.55 million.
• Wealth management: $3.09 million compared to the $3.08 million average estimate based on two analysts.
• Service charges on deposits: $2.72 million versus the two-analyst average estimate of $2.61 million.
• Net Interest Income (TE): $63.25 million versus $60.65 million estimated by two analysts on average.
• Change in cash surrender value of BOLI: $0.50 million versus $0.79 million estimated by two analysts on average.
• Card related income: $2.41 million versus $2.50 million estimated by two analysts on average.
• Other income: $1.04 million compared to the $0.93 million average estimate based on two analysts.
• Net interest and dividend income: $62.90 million compared to the $60.07 million average estimate based on two analysts.
• Net gain on sales of mortgage loans: $0.46 million compared to the $0.40 million average estimate based on two analysts.

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

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