Old Second Bancorp (OSBC) Reports Q1 Earnings: What Key Metrics Have to Say

Core Insights - Old Second Bancorp (OSBC) reported revenue of $73.11 million for Q1 2025, a 4% year-over-year increase, and an EPS of $0.45, down from $0.47 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $70.55 million by 3.62%, while the EPS fell short of the consensus estimate of $0.46 by 2.17% [1] Financial Performance Metrics - Efficiency Ratio stood at 56.5%, better than the average estimate of 57.2% from three analysts [4] - Net Interest Margin was reported at 4.9%, surpassing the average estimate of 4.6% [4] - Total noninterest income was $10.20 million, below the average estimate of $10.55 million [4] - Net Interest Income (TE) reached $63.25 million, exceeding the average estimate of $60.65 million [4] - Net gain on sales of mortgage loans was $0.46 million, slightly above the average estimate of $0.40 million [4] Stock Performance - Shares of Old Second Bancorp have declined by 9.8% over the past month, compared to a 6.6% decline in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]