Old Second Bancorp (OSBC) reported $97.12 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 1.3%. EPS of $0.55 for the same period compares to $0.53 a year ago.
The reported revenue represents a surprise of -0.93% over the Zacks Consensus Estimate of $98.03 million. With the consensus EPS estimate being $0.59, the EPS surprise was -6.78%.
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: Net Interest Margin: 5.3% compared to the 5.2% average estimate based on five analysts. Efficiency Ratio: 52.3% compared to the 51.9% average estimate based on five analysts. Average Balance - Total interest earning assets: $6.35 billion compared to the $6.45 billion average estimate based on four analysts. Total nonperforming loans: $39.64 million compared to the $54 million average estimate based on two analysts. Total Nonperforming Assets: $40.92 million compared to the $54.25 million average estimate based on two analysts. Total noninterest income: $13.07 million versus $13.34 million estimated by five analysts on average. Net Interest Income (TE): $84.35 million versus the four-analyst average estimate of $84.82 million. Other income: $1.43 million versus $1.68 million estimated by four analysts on average. Wealth management: $3.68 million versus the four-analyst average estimate of $3.76 million. Service charges on deposits: $3.13 million compared to the $3.11 million average estimate based on four analysts. Net interest and dividend income: $84.05 million versus the three-analyst average estimate of $84.11 million. Change in cash surrender value of BOLI: $0.8 million compared to the $1.32 million average estimate based on three analysts.View all Key Company Metrics for Old Second Bancorp here>>>
Shares of Old Second Bancorp have returned +1.8% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"
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Old Second Bancorp, Inc. (OSBC): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).