Old Second Bancorp (OSBC) Net Margin (2009 - 2026)
Old Second Bancorp (OSBC) posted Net Margin of 29.17% for Q2 2026, up 0.13 percentage points from 29.04% a year earlier and up 1.89 percentage points from the prior quarter.
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Analysis
Old Second Bancorp (OSBC) Net Margin (2009 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Net Margin at Old Second Bancorp was 24.23%, down 4.38 percentage points year-over-year; for FY2025, it came in at 23.67%, down 6.20 percentage points from FY2024.
- Annual Net Margin shows a five-year change of +2.14 percentage points (FY2020 to FY2025).
- In prior years, Old Second Bancorp's Net Margin was 29.87% in FY2024 (-2.19 pp), 32.06% in FY2023 (+5.02 pp), 27.04% in FY2022 (+12.30 pp) and 14.74% in FY2021 (-6.79 pp).
- Quarterly Net Margin has run from a low of -23.07% in Q4 2021 to a high of 35.60% in Q2 2023 over five years.
- On a year-over-year basis, Net Margin has increased in each of the last three quarters, with an average year-over-year change of -2.96 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Net Margin in the past five years was Q4 2022, with a gain of 55.40 percentage points; the weakest was Q4 2021, with a drop of 47.71 percentage points.
- According to Business Quant data, Net Margin for the three prior quarters was 27.28% (Q1 2026), 30.24% (Q4 2025) and 10.29% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | Old Second Bancorp | 1.24 Bn | 748.21 Mn | - | 29.80% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 29.80% |
| Jun 30, 2026 | 29.17% |
| Mar 31, 2026 | 27.28% |
| Dec 31, 2025 | 30.24% |
| Sep 30, 2025 | 10.29% |
| Jun 30, 2025 | 29.04% |
| Mar 31, 2025 | 27.13% |
| Dec 31, 2024 | 26.11% |
| Sep 30, 2024 | 32.25% |
| Jun 30, 2024 | 30.91% |
| Mar 31, 2024 | 30.32% |
| Dec 31, 2023 | 26.05% |
| Sep 30, 2023 | 33.38% |
| Jun 30, 2023 | 35.60% |
| Mar 31, 2023 | 33.05% |
| Dec 31, 2022 | 32.33% |
| Sep 30, 2022 | 29.11% |
| Jun 30, 2022 | 22.48% |
| Mar 31, 2022 | 21.98% |
| Dec 31, 2021 | -23.07% |
API Access
Old Second Bancorp Net 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=net-margin&ticker=OSBC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=OSBC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();