Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-3.19%
$24.10
0% positive prob.
5-Day Prediction
-5.22%
$23.59
0% positive prob.
20-Day Prediction
-4.42%
$23.79
0% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | SELL | -3.19% | -5.22% | -4.42% | 100.0% | Pending |
| Q2 2026 | SELL | -3.19% | -5.22% | -4.42% | 100.0% | +8.03% |
| Q1 2026 | SELL | -2.79% | -5.46% | -4.83% | 100.0% | -3.30% |
| Q4 2025 | SELL | -3.05% | -4.93% | -4.79% | 100.0% | -9.13% |
SEC 8-K filings with transcript text
Oct 21, 2026 · 100% conf.
1D
-3.19%
$24.10
Act: -0.88%
5D
-5.22%
$23.59
20D
-4.42%
$23.79
2 osbc-ex99d1.htm
Old Second Bancorp, Inc
Exhibit 99.1
Contact:
Bradley S. Adams
For Immediate Release
Chief Financial Officer
October 21, 2026
(630) 906-5484
Old Second Bancorp, Inc. Reports Third Quarter 2026 Net Income of $28.9 Million,
or $0.56 per Diluted Share
AURORA, IL, October 21, 2026 – Old Second Bancorp, Inc. (the “Company,” “Old Second,” “we,” “us,” and “our”) (NASDAQ: OSBC), the parent company of Old Second National Bank (the “Bank”), today announced financial results for the third quarter of 2026. Our net income was $28.9 million, or $0.56 per diluted share, for the third quarter of 2026, compared to net income of $28.2 million, or $0.54 per diluted share, for the second quarter of 2026. Adjusted net income1 was $28.5 million, or adjusted diluted earnings per share1 of $0.55, for the third quarter of 2026, compared to adjusted net income1 of $28.7 million, or adjusted diluted earnings per share1 of $0.55, for the second quarter of 2026.
Notable Items2
●Net interest and dividend income was $84.0 million, reflecting an increase of $720,000, or 0.86%.
●Net interest margin (NIM) on a fully tax-equivalent basis1 was 5.27%, an increase of four basis points.
●Provision for credit losses of $6.8 million compared to $7.5 million, a decrease of $750,000.
●Noninterest income was $13.1 million, a decrease of $191,000, or 1.44%, compared to $13.3 million.
●Noninterest expense was $51.6 million, an increase of $370,000, or 0.72%, compared to $51.3 million.
●Efficiency ratio increased 62 basis points to 52.34%; adjusted efficiency ratio was 52.06%1.
●Provision for income tax of $9.8 million, compared to $9.7 million, with an effective tax rate of 25.31% and 25.53%, respectively.
●Return on average assets of 1.69%, compared to 1.65%.
●Return on average tangible common equity (ROATCE)1 of 15.77%; adjusted ROATCE1 of 15.53%.
●On October 20, 2026, our Board of Directors declared a cash dividend of $0.08 per share of common stock, payable on November 9, 2026, to stockholders of record as of October 30, 2026.
Chairman, President and Chief Executive Officer Jim Eccher said, “Old Second reported strong results in the third quarter of 2026 led by robust margin performance and disciplined operating efficiency. Loan losses remained higher than we wanted this quarter due to one previously identified commercial relationship, but the trends are extremely encouraging with nonperforming and classified loans declining by 30% and 44%, respectively. Criticized loans, an early indicator of future credit trends, also improved significantly during the quarter and now stand at just 1.88% of total loans, compared to 3.05% last quarter. Criticized assets also declined significantly quarter over quarter, decreasing to 1.91% of total loans from 3.08% in the previous quarter. Profitability remains excellent with the tax-equivalent net interest margin increasing by four basis points this quarter to 5.27%, which demonstrates the benefits of a strong core deposit base and diversified loan portfolio. This level of performance and a strong capital position afforded Old Second the opportunity to repurchase 1.5 million common shares this quarter, or approximately 3% of all outstanding shares. Third quarter return on average assets and return on average tangible common equity were 1.69% and 15.77%, respectively, and the efficiency ratio was a very healthy 52.34%. Based on the strength of the balance sheet and income statement trends, Old Second elected in this fourth quarter to increase the common dividend by 14%, as we continue to regularly deliver dividend growth commensurate with the bank’s performance. We are proud of our performance for the quarter, believe we have turned the corner on credit and look forward to delivering solid results to our stockholders for the remainder of the year.”
1Non-GAAP financial measure that management believes is useful in evaluating the financial results of the Company – refer to the non-GAAP reconciliation contained in this release.
2All comparisons throughout this release are on a linked-quarter basis, unless otherwise noted.
Results of Operations:
Our net income was $28.9 million, or $0.56 per diluted share, for the third quarter of 2026, compared to net income of $28.2 million, or $0.54 per diluted share.
Net Interest Margin continued to be strong and nominal increases in the cost of funds were outweighed by stronger yields on loans during the quarter.
●Net interest margin on a fully tax-equivalent1 basis improved four basis points, to 5.27%.
●Loan yields increased three basis points on higher average loan balances during the quarter but investment yields decreased five basis points driven by maturities and paydowns of securities.
●Cost of funds increased two basis points to 1.23%, driven by higher costs on deposits, discussed below, as well as other short-ter
Jul 22, 2026 · 100% conf.
1D
-3.19%
$22.66
Act: +0.43%
5D
-5.22%
$22.19
Act: +8.03%
20D
-4.42%
$22.38
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Apr 22, 2026 · 100% conf.
1D
-2.79%
$20.62
Act: -6.41%
5D
-5.46%
$20.05
Act: -3.30%
20D
-4.83%
$20.19
Act: -1.13%
2 osbc-20260422xex99d1.htm
Old Second Bancorp, Inc
Exhibit 99.1
Contact:
Bradley S. Adams
For Immediate Release
Chief Financial Officer
April 22, 2026
(630) 906-5484
Old Second Bancorp, Inc. Reports First Quarter 2026 Net Income of $25.6 Million,
or $0.48 per Diluted Share
AURORA, IL, April 22, 2026 – Old Second Bancorp, Inc. (the “Company,” “Old Second,” “we,” “us,” and “our”) (NASDAQ: OSBC), the parent company of Old Second National Bank (the “Bank”), today announced financial results for the first quarter of 2026. Our net income was $25.6 million, or $0.48 per diluted share, for the first quarter of 2026, compared to net income of $28.8 million, or $0.54 per diluted share, for the fourth quarter of 2025. Adjusted net income1 was $26.0 million, or adjusted diluted earnings per share1 of $0.49, for the first quarter of 2026, compared to adjusted net income1 of $30.8 million, or adjusted diluted earnings per share1 of $0.58, for the fourth quarter of 2025.
Notable Items2
●Net interest and dividend income was $81.1 million, reflecting a decrease of $1.9 million, or 2.30%.
●Net interest margin (NIM) on a fully tax-equivalent basis1 was 5.14%, an increase of 5 basis points.
●Provision for credit losses of $9.5 million compared to $3.0 million.
●Noninterest income was $12.6 million, an increase of $476,000, or 3.92%, compared to $12.2 million.
●Noninterest expense was $50.2 million, a decrease of $2.7 million, or 5.15%, compared to $52.9 million.
●Efficiency ratio improved 158 basis points to 52.40%; adjusted efficiency ratio was 51.70%1.
●Provision for income tax of $8.5 million, compared to $10.5 million with an effective tax rate of 24.89% and 26.69%, respectively.
●Return on average assets of 1.51%, compared to 1.64%.
●Return on tangible common equity (ROATCE)1 of 14.20%; adjusted ROATCE1 of 14.41%.
●On April 15, 2026, we paid down $30 million of the total $60 million subordinated debt outstanding and due in 2031.
●On April 21, 2026, our Board of Directors declared a cash dividend of $0.07 per share of common stock, payable on May 11, 2026, to stockholders of record as of May 1, 2026.
Chairman, President and Chief Executive Officer Jim Eccher said “Old Second reported strong results in the first quarter of 2026 led by exceptional margin performance and disciplined operating efficiency. Tangible book value per share increased by 1.63% on a linked quarter basis despite the reduction to equity from our stock repurchases of $23.1 million, or 1.2 million shares, during the quarter. Nonperforming assets increased due to a few larger relationships, but we believe we are adequately reserved for any future losses with an Allowance for Credit Losses on loans (“ACL”) to total loans of 1.39% and ACL to nonperforming loans of 95.53%. Credit deterioration in the first quarter largely resulted from one downtown Chicago office credit and one cash-flow-dependent commercial relationship. Otherwise results remain solid with first quarter return on average assets and return on average common equity of 1.51% and 11.43%, respectively. The tax equivalent net interest margin expanded to 5.14% and the efficiency ratio was a very healthy 52.40%. This strong bottom-line performance and a well-positioned balance sheet drove an increase in the tangible common equity capital ratio to 11.07% from 11.02% for the prior linked period. We are proud of our performance from both a bottom-line perspective and in positioning ourselves to deliver better results to our stockholders over the remainder of the year.”
1Non-GAAP financial measure that management believes is useful in evaluating the financial results of the Company – refer to the non-GAAP reconciliation contained in this release.
2All comparisons throughout this release are on a linked-quarter basis, unless otherwise noted.
Results of Operations:
Our net income was $25.6 million, or $0.48 per diluted share, for the first quarter of 2026, compared to net income of $28.8 million, or $0.54 per diluted share.
Loans declined $66.9 million driven by decreases in commercial real estate, construction, and powersport.
●Total loans were $5.19 billion.
●Average loans (including loans held-for-sale) for the first quarter of 2026 totaled $5.21 billion, reflecting a decrease of $70.9 million.
●Yield on loans, including loans held for sale, declined 5 basis points.
Credit Quality key performance metrics were impacted by a few larger credits.
●Nonperforming loans totaled $75.5 million compared to $52.8 million. The increase of $22.7 million was partially driven by $9.8 million of loans past due greater than 90 days, still accruing, which are in the process of renewal.
●Nonperforming loans to total loans was 1.46% compared to 1.01%.
●Classified loans totaled $148.6 million compared to $150.1 million.
●Criticized loans (special mention, substandard and d
This page provides Old Second Bancorp Inc. (OSBC) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on OSBC's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.