Old Second Bancorp Inc Cash Flow Quality Index
Old Second Bancorp Inc 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. See Old Second Bancorp Inc (OSBC) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Old Second Bancorp Inc (1993–2025)
Cash flow quality index of Old Second Bancorp Inc from 1993 to 2025. Historical Cash Flow Quality Index for Old Second Bancorp Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Old Second Bancorp Inc cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Old Second Bancorp Inc Cash Flow Quality Index by Year (1993–2025)
Old Second Bancorp Inc cash flow quality index by year from 1993 to 2025. Year-by-year earnings quality comparison for Old Second Bancorp Inc. For the full cash flow conversion analysis, see cash flow conversion of Old Second Bancorp Inc.
| 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 | — |