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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) Times Interest Earned (2016 - 2025)

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

  • For Q4 2025, Times Interest Earned 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.
  • Times Interest Earned reached $3.04 in Q4 2025 per OSBC's latest filing, up from $1.61 in the prior quarter.
  • In the past five years, Times Interest Earned ranged from a high of $11.9 in Q3 2022 to a low of -$4.27 in Q4 2021.
  • Average Times Interest Earned over 5 years is $4.93, with a median of $3.78 recorded in 2023.
  • The largest YoY upside for Times Interest Earned was 872.7% in 2021 against a maximum downside of 167.17% in 2021.
  • A 5-year view of Times Interest Earned 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 Times Interest Earned are $3.04 (Q4 2025), $1.61 (Q3 2025), and $3.65 (Q2 2025).