Old Second Bancorp (OSBC) Reports In-Line Q4 2025 Results, Shares Flat After Earnings

Old Second Bancorp (NASDAQ: OSBC) reported fourth-quarter 2025 revenue of $95.21 million, up 29.5% year-over-year and in line with analyst expectations. Non-GAAP earnings of $0.58 per share exceeded consensus by 8.1%. The Illinois-based regional bank attributed growth to strong net interest income, which accounted for 82% of total revenue over the past five years. Tangible book value per share rose to $14.12, reflecting a 14.7% annual growth rate over the last two years, accelerating from its five-year average of 7.7%. Analysts project TBVPS to reach $16.05 in the next 12 months. Despite the earnings beat and solid balance sheet trends, shares remained flat at $21.46 following the release. The bank operates 53 branches across the Chicago area, offering commercial and consumer lending, deposit services, and wealth management. Revenue growth has slowed recently, with an 8.8% annualized pace over the past two years versus 21.1% over five years.