Old Second Bancorp (OSBC) Times Interest Earned (2009 - 2026)
Old Second Bancorp's Times Interest Earned came in at 3.12 for Q2 2026, down 14.7% from 3.65 a year earlier but up 4.6% from the prior quarter.
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Analysis
Old Second Bancorp (OSBC) Times Interest Earned (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Old Second Bancorp reported Times Interest Earned of 2.64, down 16.8% year-over-year; for FY2025, it came in at 2.73, down 9.2% from FY2024.
- Times Interest Earned has declined in each of the last three years.
- Going back by year, Times Interest Earned was 3.01 in FY2024 (-26.8%), 4.11 in FY2023 (-58.4%), 9.87 in FY2022 (+129.7%) and 4.30 in FY2021 (+7.4%).
- The five-year range for quarterly Times Interest Earned is -4.27 (Q4 2021) to 11.90 (Q3 2022).
- Year-over-year, Times Interest Earned increased in three of the last eight quarters, with an average decline of 8.7%.
- The fastest year-over-year change in Times Interest Earned over five years came in Q3 2022 (growth of 91.5%), and the weakest in Q4 2023 (a decline of 69.1%).
- Business Quant data shows OSBC's Times Interest Earned at 2.98 (Q1 2026), 3.04 (Q4 2025) and 1.61 (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 1.77 |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 1.50 |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 1.50 |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 1.43 |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 1.37 |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 1.62 |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 0.56 |
| 10 | Old Second Bancorp | 1.24 Bn | 748.21 Mn | - | 3.15 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 3.15 |
| Jun 30, 2026 | 3.12 |
| Mar 31, 2026 | 2.98 |
| Dec 31, 2025 | 3.04 |
| Sep 30, 2025 | 1.61 |
| Jun 30, 2025 | 3.65 |
| Mar 31, 2025 | 3.46 |
| Dec 31, 2024 | 2.85 |
| Sep 30, 2024 | 2.93 |
| Jun 30, 2024 | 3.16 |
| Mar 31, 2024 | 3.11 |
| Dec 31, 2023 | 3.00 |
| Sep 30, 2023 | 3.90 |
| Jun 30, 2023 | 4.39 |
| Mar 31, 2023 | 6.27 |
| Dec 31, 2022 | 9.72 |
| Sep 30, 2022 | 11.90 |
| Jun 30, 2022 | 8.85 |
| Mar 31, 2022 | 8.83 |
| Dec 31, 2021 | -4.27 |
API Access
Old Second Bancorp Times Interest Earned 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=times-interest-earned&ticker=OSBC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=OSBC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();