Old Second Bancorp (OSBC) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - Old Second Bancorp (OSBC) reported a revenue of $73.19 million for the quarter ended December 2024, reflecting a year-over-year increase of 4.6% [1] - The earnings per share (EPS) for the quarter was $0.44, slightly up from $0.42 in the same quarter last year, but below the consensus estimate of $0.49, resulting in an EPS surprise of -10.20% [1] - The reported revenue exceeded the Zacks Consensus Estimate of $69.85 million, leading to a revenue surprise of +4.79% [1] Financial Metrics - Net Interest Margin stood at 4.7%, surpassing the average estimate of 4.5% from three analysts [4] - The Efficiency Ratio was reported at 57.1%, higher than the average estimate of 54.6% from three analysts [4] - Total noninterest income reached $11.61 million, exceeding the estimated $10.94 million from three analysts [4] - Net interest and dividend income was $75.28 million, compared to the average estimate of $59.24 million from two analysts [4] - Wealth management income was reported at $3.30 million, above the average estimate of $2.85 million from two analysts [4] - Net gain on sales of mortgage loans was $0.52 million, slightly above the average estimate of $0.44 million from two analysts [4] Stock Performance - Shares of Old Second Bancorp have returned +4.8% over the past month, outperforming the Zacks S&P 500 composite's +2.1% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]