OSBC
OLD SECOND BANCORP INC
Overview
OLD SECOND BANCORP INC is a Financial Services company operating in Banks - Regional with a $1.13B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 21, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2316 Q&A exchanges
- Q4 FY2025Earnings2026-01-2217 Q&A exchanges
- Q3 FY2025Earnings2025-10-2325 Q&A exchanges
- Q2 FY2025Earnings2025-07-2421 Q&A exchanges
- Q1 FY2025Earnings2025-04-2427 Q&A exchanges
- Q4 FY2024Earnings2025-01-2324 Q&A exchanges
- Q3 FY2024Earnings2024-10-1726 Q&A exchanges
- Q2 FY2024Earnings2024-07-1828 Q&A exchanges
- Q1 FY2024Earnings2024-04-1914 Q&A exchanges
- Q4 FY2023Earnings2024-01-2831 Q&A exchanges
- Q3 FY2023Earnings2023-10-2038 Q&A exchanges
- Q2 FY2023Earnings2023-07-2026 Q&A exchanges
- Q1 FY2023Earnings2023-04-2031 Q&A exchanges
- Q4 FY2022Earnings2023-01-2618 Q&A exchanges
- Q3 FY2022Earnings2022-10-2820 Q&A exchanges
- Q2 FY2022Earnings2022-07-3027 Q&A exchanges
- Q1 FY2022Earnings2022-04-2935 Q&A exchanges
- Q4 FY2021Earnings2022-01-2725 Q&A exchanges
- Q3 FY2021Earnings2021-10-2115 Q&A exchanges
- Q2 FY2021Earnings2021-07-2220 Q&A exchanges
- Q1 FY2021Earnings2021-04-2221 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-21EPS— vs $0.55—Rev— vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-21 | — | $0.55 | — | — | — | — | EODHD |
Source: EODHD. OSBC reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks OSBC's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 70% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.55 | $2.53 | +40.4% | +2.6% | +3.0% |
| Q4 FY2026 | $3.44 | $2.58 | +33.3% | -2.1% | -0.7% |
| Q3 FY2026 | $3.56 | $2.49 | +42.9% | -2.7% | -4.9% |
| Q2 FY2026 | $3.80 | $2.75 | +38.3% | -5.3% | -5.2% |
| Q1 FY2025 | $3.68 | $2.63 | +39.8% | -0.8% | +1.1% |
| Q4 FY2025 | $3.72 | $2.62 | +42.0% | -4.7% | -6.8% |
| Q3 FY2025 | $4.05 | $2.81 | +44.0% | -7.3% | -5.7% |
| Q2 FY2025 | $4.08 | $2.86 | +42.6% | -4.9% | -3.5% |
| Q1 FY2024 | $3.51 | $2.63 | +33.3% | +1.1% | -1.7% |
| Q4 FY2024 | $3.50 | $2.64 | +32.5% | +1.8% | -0.9% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- James EccherCEO6 mo21 callsCurrentSample
CEO since 2025 • 2/4 beats (50%) • guidance suspended Q1 FY2026
- Bradley S AdamsCFO6 mo6 callsCurrentSample
CFO since 2025 • 3/4 beats (75%) • last guidance raise Q1 FY2026
- Darin Patrick CampbellPresident8 mono recorded callsCurrentSample
PRESIDENT since 2025 • 2/4 beats (50%) • last guidance cut Q2 FY2026
- Donald PilmerEVP6 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 3/4 beats (75%) • last guidance raise Q1 FY2026
- Richard A Gartelmann JrEVP6 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
- Gary S CollinsVICE CHAIRMAN6 mo3 callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • guidance suspended Q3 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for OSBC.
$ curl https://api.spokenalpha.com/v1/companies/OSBCFAQ
Frequently asked about OSBC
Where can I find OLD SECOND BANCORP INC's (OSBC) earnings call transcripts?
Spoken Alpha indexes OSBC's earnings call transcripts at https://spokenalpha.com/companies/OSBC. Each call links to attributed speakers and parsed analyst Q&A. OLD SECOND BANCORP INC's own investor relations page is at https://investors.oldsecond.com/overview/default.aspx.
When was OLD SECOND BANCORP INC's most recent earnings call?
OLD SECOND BANCORP INC (OSBC) held its most recent earnings call on 2026-04-23, covering fiscal Q1 2026.
What sector is OSBC in?
OLD SECOND BANCORP INC (OSBC) operates in the Financial Services sector (Banks - Regional industry).