Old Second Bancorp Inc (OSBC) — Cash Flow Quality Index
Old Second Bancorp Inc (OSBC) has a Cash Flow Quality Index of 1.44x as of March 2026. Operating cash flow of $36.94 Million exceeds net income of $25.59 Million, indicating high earnings quality where cash backs reported profits. Explore Old Second Bancorp Inc strategic investment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Old Second Bancorp Inc Cash Flow Quality Index (1993–2025)
Historical Cash Flow Quality Index for Old Second Bancorp Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Old Second Bancorp Inc tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Old Second Bancorp Inc (1993–2025)
Year-by-year earnings quality comparison for Old Second Bancorp Inc. For live market cap and the full company financial profile, see OSBC market cap.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.52x | $122.26 Million | $80.31 Million | ▼ -1.3% |
| 2024 | 1.54x | $131.53 Million | $85.26 Million | ▲ +21.6% |
| 2023 | 1.27x | $116.40 Million | $91.73 Million | ▼ -12.1% |
| 2022 | 1.44x | $97.34 Million | $67.41 Million | ▼ -6.8% |
| 2021 | 1.55x | $31.05 Million | $20.04 Million | ▲ +65.8% |
| 2020 | 0.93x | $25.99 Million | $27.82 Million | ▼ -30.0% |
| 2019 | 1.33x | $52.64 Million | $39.45 Million | ▼ -17.4% |
| 2018 | 1.61x | $54.91 Million | $34.01 Million | ▼ -34.1% |
| 2017 | 2.45x | $37.10 Million | $15.14 Million | ▲ +41.1% |
| 2016 | 1.74x | $27.25 Million | $15.68 Million | ▲ +26.5% |
| 2015 | 1.37x | $21.14 Million | $15.38 Million | ▲ +320.8% |
| 2014 | -0.62x | $-6.31 Million | $10.14 Million | ▼ -244.9% |
| 2013 | 0.43x | $35.26 Million | $82.08 Million | ▼ -87.8% |
| 2008 | 3.53x | $41.69 Million | $11.82 Million | ▲ +508.8% |
| 2007 | 0.58x | $13.88 Million | $23.97 Million | ▼ -64.1% |
| 2006 | 1.61x | $38.16 Million | $23.66 Million | ▲ +43.7% |
| 2005 | 1.12x | $31.07 Million | $27.68 Million | ▲ +193.2% |
| 2004 | 0.38x | $10.06 Million | $26.29 Million | ▼ -86.6% |
| 2003 | 2.86x | $63.20 Million | $22.11 Million | ▲ +339.7% |
| 2002 | 0.65x | $13.10 Million | $20.15 Million | ▲ +2539.6% |
| 2001 | -0.03x | $-459.00K | $17.22 Million | ▼ -102.6% |
| 2000 | 1.01x | $13.59 Million | $13.47 Million | ▼ -68.7% |
| 1999 | 3.22x | $39.95 Million | $12.41 Million | ▲ +342.7% |
| 1998 | 0.73x | $8.00 Million | $11.00 Million | ▲ +283.7% |
| 1997 | -0.40x | $-3.80 Million | $9.60 Million | ▼ -110.2% |
| 1996 | 3.88x | $32.20 Million | $8.30 Million | ▲ +204.8% |
| 1995 | 1.27x | $11.20 Million | $8.80 Million | ▼ -42.6% |
| 1994 | 2.22x | $16.20 Million | $7.30 Million | ▲ +61.0% |
| 1993 | 1.38x | $9.10 Million | $6.60 Million | — |