Companies: 10,795·Total market cap: $144.5T
Old Second Bancorp, Inc.

Old Second Bancorp, Inc.

OSBCNASDAQFinancial Services● Active
$21.71
+$0.15(+0.70%)
Market Cap$1.1B
P/E Ratio—
52W High$22.43
52W Low$16.43
Free Cash FlowFinancialsRevenue

Old Second Bancorp, Inc. (OSBC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

OSBC · free cash flow · updated Jun 9, 2026

Core FCF metrics

Free cash flow was $117.8M for FY2025 (fiscal year ending 2025-12-31), down 2.5% year-over-year The FCF margin was 29.7%. Five-year CAGR stands at +39.8%.

FY2025 Free Cash Flow$117.8M▼ -2.5% YoY
Trailing 12M (TTM)$139.4Mtrailing 4 quarters sum
FCF Margin29.7%$117.8M ÷ revenue
3-Year CAGR+8.2%FY2022 → FY2025
5-Year CAGR+39.8%FY2020 → FY2025
FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0
Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

Positive FCFNegative FCF
Free Cash Flow
YoY Growth %
osbc free cash flow history · osbc free cash flow chart · osbc free cash flow growth rate · osbc free cash flow last 10 years

Annual free cash flow data

Fiscal YearFree Cash FlowYoY ChangeFCF Margin
FY2025Latest$117.8M▼ 2.5%29.7%
FY2024$120.7M▲ +16.1%35.9%
FY2023$104.0M▲ +11.8%32.4%
FY2022$93.0M▲ +220.6%36.4%
FY2021$29.0M▲ +31.5%20.4%
FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP
osbc free cash flow 2025 · osbc free cash flow 2024 · osbc free cash flow 2023 · osbc operating cash flow

FCF valuation metrics

Old Second Bancorp, Inc. (OSBC) trades at a FCF yield of 12.48% and a price-to-free-cash-flow ratio of 8.2x. FCF per share stands at $2.65, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)
12.48%
Free Cash Flow ÷ Market Cap
per FMP freeCashFlowYieldTTM definition
FCF per Share (TTM)
$2.65
TTM FCF ÷ Shares Outstanding
Price / FCF
x8.2
Share Price ÷ FCF per Share
EV / FCF (TTM)
x10.0
Enterprise Value basis
Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31
osbc price to free cash flow · osbc free cash flow yield · osbc free cash flow per share · osbc price to cash flow ratio

Cash flow statement summary

For FY2025, Old Second Bancorp, Inc. generated $122.3M in operating cash flow and spent 5M in capital expenditures, yielding $117.8M in free cash flow.

Operating Activities
+$122.3M
Cash from core business operations
2025-12-31
Investing Activities
+$159.8M
CapEx, acquisitions & investments
2025-12-31
Financing Activities
−$257.4M
Buybacks, dividends & debt
2025-12-31
FCF FormulaOperating CF ($122.3M) − |CapEx| (5M) = FCF ($117.8M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →
osbc cash flow statement · osbc cash flow statement 2025 · osbc operating cash flow · osbc cash flow from operations

Free cash flow vs peers (Financial Services)

#CompanyFree Cash FlowYoY
#1
Old Second Bancorp, Inc.
Old Second Bancorp, Inc.YOU
OSBC
$117.8M-2.5%
#2
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$100.87B+340.1%#3
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$25.04B+115.6%#4
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-A
$25.04B+115.6%#5
Visa Inc.
Visa Inc.
V
$21.58B+15.4%#6
Mastercard Incorporated
Mastercard Incorporated
MA
$16.91B+18.2%
Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Old Second Bancorp, Inc. (OSBC) reported free cash flow of $117.8M for FY2025 (fiscal year ending 2025-12-31), down 2.5% year-over-year. The FCF margin was 29.7%.

Based on available data, Old Second Bancorp, Inc. has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $120.7M in FY2024. The 5-year CAGR stands at +39.8%.

Old Second Bancorp, Inc.'s FCF yield is 12.48% and price-to-FCF ratio is 8.2x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.
RevenueFinancial statementsNet incomeEarningsForecastPrice historyMarket capCash on handP/E ratio

Frequently asked questions

OSBC free cash flow · 8 questions

Old Second Bancorp, Inc. free cash flow was $117.8M for FY2025, down 2.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $139.4M.

OSBC free cash flowOSBC FCFOSBC FCF 2025OSBC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Old Second Bancorp, Inc. · Old Second Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026