OLD SECOND BANCORP INC — Form 8-K
Filed October 21, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
Old Second Bancorp reported Q3 2026 net income of $28.9M ($0.56 diluted EPS) vs. $28.2M ($0.54) in Q2 2026. The company repurchased 1,533,104 shares (3% of outstanding) at $25.76 average price for $39.5M total (including excise tax); declared $0.08 dividend (14% increase from $0.07); NIM improved 4 bps to 5.27% tax-equivalent; nonperforming loans fell 30% to $39.6M (0.76% of total); criticized loans declined 44% to 1.88% of total. Key metrics: ROAA 1.69%, ROATCE 15.77%; tangible common equity ratio 11.00% vs. 11.19% prior quarter.
Why this rating
Steady mid-cycle earnings growth, improving credit quality, and capital return signal operational health. However, $39.5M buyback is ~5% of market cap—material but not transformational. Net income ~3.8% of market value is solid ordinary performance.
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