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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioInterest Coverage RatioInvested CapitalNet MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Old Second Bancorp (OSBC) Interest Coverage Ratio (2016 - 2025)

Old Second Bancorp's Interest Coverage Ratio history spans 10 years, with the latest figure at 3.04 for Q4 2025.

  • For Q4 2025, Interest Coverage Ratio rose 6.56% year-over-year to 3.04; the TTM value through Dec 2025 reached 2.73, down 9.16%, while the annual FY2025 figure was 0.36, 13.73% down from the prior year.
  • Interest Coverage Ratio reached 3.04 in Q4 2025 per OSBC's latest filing, up from 1.61 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 11.9 in Q3 2022 to a low of 4.27 in Q4 2021.
  • Average Interest Coverage Ratio over 5 years is 4.93, with a median of 3.78 recorded in 2023.
  • The largest YoY upside for Interest Coverage Ratio was 872.7% in 2021 against a maximum downside of 167.17% in 2021.
  • A 5-year view of Interest Coverage Ratio shows it stood at 4.27 in 2021, then soared by 327.5% to 9.72 in 2022, then crashed by 69.11% to 3.0 in 2023, then decreased by 4.95% to 2.85 in 2024, then rose by 6.56% to 3.04 in 2025.
  • Per Business Quant, the three most recent readings for OSBC's Interest Coverage Ratio are 3.04 (Q4 2025), 1.61 (Q3 2025), and 3.65 (Q2 2025).