Old Second Bancorp beats Q4 adjusted net income estimates

Old Second Bancorp,

21/01/2026 21:15

Overview

U.S. bank's Q4 adjusted net income beat analyst expectations

Net income for Q4 rose significantly from the previous quarter

Decrease in acquisition-related costs and provision for credit losses boosted net income

Outlook

Old Second Bancorp did not provide specific guidance for future quarters or the full year

Result Drivers

ACQUISITION IMPACT - Acquisition of Bancorp Financial led to increased interest and dividend income, despite higher expenses

COST REDUCTION - Decrease in acquisition-related costs and provision for credit losses boosted net income

INTEREST EXPENSE - Decrease in interest expense contributed to higher net income

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted Net Income
Beat
$30.80 mln
$26.60 mln (6 Analysts)
Q4 Net Income
$28.79 mln
Q4 Net Interest Income
$83.05 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 5 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Old Second Bancorp Inc is $23.00, about 12.9% above its January 20 closing price of $20.37

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)