Old Second Bancorp (OSBC) reported $96.59 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 28.6%. EPS of $0.55 for the same period compares to $0.48 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $95.1 million, representing a surprise of +1.57%. The company delivered an EPS surprise of +1.85%, with the consensus EPS estimate being $0.54.
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.
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: Net Interest Margin: 5.2% compared to the 5.1% average estimate based on three analysts. Efficiency Ratio: 51.7% versus the three-analyst average estimate of 52.7%. Average Balance - Total interest earning assets: $6.42 billion versus the two-analyst average estimate of $6.43 billion. Total noninterest income: $13.26 million versus $12.87 million estimated by three analysts on average. Other income: $1.49 million versus the two-analyst average estimate of $1.84 million. Net interest and dividend income: $83.33 million compared to the $81.89 million average estimate based on two analysts. Wealth management: $3.63 million compared to the $3.21 million average estimate based on two analysts. Change in cash surrender value of BOLI: $1.47 million versus $1.04 million estimated by two analysts on average. Card related income: $2.48 million versus $2.83 million estimated by two analysts on average. Service charges on deposits: $3.08 million versus the two-analyst average estimate of $3.07 million. Net Interest Income (TE): $83.64 million compared to the $82 million average estimate based on two analysts. Net gain on sales of mortgage loans: $0.64 million versus the two-analyst average estimate of $0.82 million.View all Key Company Metrics for Old Second Bancorp here>>>
Shares of Old Second Bancorp have returned +4.9% over the past month versus the Zacks S&P 500 composite's +0.3% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Beyond Nvidia: AI's Second Wave Is Here
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Old Second Bancorp, Inc. (OSBC): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).