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 OSBC operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Old Second Bancorp Inc cash flow conversion.
Annual Cash Flow Quality Index for Old Second Bancorp Inc (1993–2025)
Year-by-year earnings quality comparison for 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 | — |