Old Second Bancorp (FRA:OSB) Net Interest Income: €282.4 Mil (TTM As of Jun. 2026)

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FRA:OSB Old Second Bancorp Inc FRA:OSB
74 GF Score
Price €20.00
GF Value €16.99
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Old Second Bancorp Net Interest Income?

Old Second Bancorp FRA:OSB -0.99% 74 Net Interest Income is €282.4 Mil as of Jun. 2026. GuruFocus rates FRA:OSB with a GF Score™ of 74/100 and a GF Value™ of €16.99 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Old Second Bancorp's net interest income for the three months ended in Jun. 2026 was €71.9 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was €282.4 Mil.

Old Second Bancorp Net Interest Income Related Terms

Old Second Bancorp Net Interest Income Historical Data

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The historical data trend for Old Second Bancorp's Net Interest Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Old Second Bancorp Net Interest Income Chart

Old Second Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 85.19 193.73 229.26 228.59 248.90

Old Second Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Interest Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 55.45 70.20 70.59 69.75 71.87
FRA:OSB
74GF Score
Old Second Bancorp Inc FRA:OSB
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Old Second Bancorp Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €282.4 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of €282.4 Mil mean?
Old Second Bancorp (FRA:OSB) has a Net Interest Income of €282.4 Mil as of Jun. 2026.
Is Old Second Bancorp's Net Interest Income too high?
Old Second Bancorp's current Net Interest Income is €282.4 Mil. Overall, Old Second Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Net Interest Income compare to HBT and FMBH?
Old Second Bancorp's Net Interest Income of €282.4 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Old Second Bancorp's current Net Interest Income is €282.4 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old Second Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Old Second Bancorp (FRA:OSB) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.99, compared to a current price of €20.00 — trading 17.7% above its estimated fair value. The current Net Interest Income is €282.4 Mil. Old Second Bancorp's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current Net Interest Income is €282.4 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Old Second Bancorp (FRA:OSB) Overvalued in 2026?

Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued. The current stock price of €20.00 is trading 17.7% above its estimated GF Value™ of €16.99. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for FRA:OSB:

  • Net Interest Income: €282.4 Mil
  • GF Value™: €16.99 vs. price of €20.00 (17.7% above fair value)
  • GF Score™: 74/100 with 8 warning signs

No single metric tells the full story. See the FRA:OSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Old Second Bancorp Business Description

Other Exchanges OSBC:USA
Address 37 South River Street, Aurora, IL, USA, 60507
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
74GF Score

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Net Interest Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.00
Price
€16.99
GF Value