Old Second Bancorp (OSBC) FCF Margin (2009 - 2026)
Old Second Bancorp's FCF Margin was 28.90% in Q2 2026, down 2.32 percentage points from 31.22% a year earlier and down 9.67 percentage points from the prior quarter.
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Analysis
Old Second Bancorp (OSBC) FCF Margin (2009 - 2026) Analysis & Trends
On a trailing twelve-month basis, Old Second Bancorp's FCF Margin was 37.27% through Jun 30, 2026, up 0.46 percentage points year-over-year; for FY2025, it came in at 34.70%, down 7.60 percentage points from FY2024.
- FCF Margin shows a five-year change of +17.63 percentage points (FY2020 to FY2025).
- In earlier years, FCF Margin was 42.30% in FY2024 (+5.94 pp), 36.36% in FY2023 (-0.96 pp), 37.31% in FY2022 (+15.98 pp) and 21.34% in FY2021 (+4.26 pp).
- The Q2 2026 figure marks the lowest quarterly FCF Margin since Q1 2025.
- Compared with a year earlier, FCF Margin was higher in three of the last eight quarters, with an average year-over-year change of -8.30 percentage points.
- The best year-over-year quarter for FCF Margin over five years was Q4 2022 (a gain of 101.75 percentage points); the worst was Q2 2023 (a drop of 90.01 percentage points).
- Per Business Quant data, OSBC's FCF Margin in the three quarters before Q2 2026 was 38.57% (Q1 2026), 45.54% (Q4 2025) and 36.21% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 189.34% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 19.57% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 40.54% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | - |
| 10 | Old Second Bancorp | 1.24 Bn | 748.21 Mn | - | 66.11% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 66.11% |
| Jun 30, 2026 | 28.90% |
| Mar 31, 2026 | 38.57% |
| Dec 31, 2025 | 45.54% |
| Sep 30, 2025 | 36.21% |
| Jun 30, 2025 | 31.22% |
| Mar 31, 2025 | 22.20% |
| Dec 31, 2024 | 29.85% |
| Sep 30, 2024 | 64.86% |
| Jun 30, 2024 | 12.27% |
| Mar 31, 2024 | 62.69% |
| Dec 31, 2023 | 35.62% |
| Sep 30, 2023 | 105.05% |
| Jun 30, 2023 | -43.07% |
| Mar 31, 2023 | 46.82% |
| Dec 31, 2022 | 48.77% |
| Sep 30, 2022 | 47.44% |
| Jun 30, 2022 | 46.93% |
| Mar 31, 2022 | 0.01% |
| Dec 31, 2021 | -52.98% |
API Access
Old Second Bancorp FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=OSBC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "OSBC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=OSBC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();