Old Second Bancorp Inc (OSBC) — Cash Flow-to-Debt Ratio
Old Second Bancorp Inc (OSBC) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2026, meaning its operating cash flow of $36.94 Million could theoretically repay 0% of its total liabilities ($5.96 Billion) in one year. See financial flexibility index of Old Second Bancorp Inc to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Old Second Bancorp Inc Cash Flow-to-Debt Ratio (1993–2025)
Historical debt coverage capacity for Old Second Bancorp Inc across 33 annual periods. For the full cash flow conversion analysis, see Old Second Bancorp Inc cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Old Second Bancorp Inc (1993–2025)
Year-by-year debt coverage analysis for Old Second Bancorp Inc. Check how high is Old Second Bancorp Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $122.26 Million | $6.01 Billion | ▼ -23.0% |
| 2024 | 0.03x | $131.53 Million | $4.98 Billion | ▲ +16.8% |
| 2023 | 0.02x | $116.40 Million | $5.15 Billion | ▲ +26.1% |
| 2022 | 0.02x | $97.34 Million | $5.43 Billion | ▼ -91.4% |
| 2021 | 0.21x | $31.05 Million | $148.54 Million | ▼ -24.8% |
| 2020 | 0.28x | $25.99 Million | $93.54 Million | ▲ +1144.4% |
| 2019 | 0.02x | $52.64 Million | $2.36 Billion | ▼ -0.5% |
| 2018 | 0.02x | $54.91 Million | $2.45 Billion | ▲ +32.0% |
| 2017 | 0.02x | $37.10 Million | $2.18 Billion | ▲ +29.5% |
| 2016 | 0.01x | $27.25 Million | $2.08 Billion | ▲ +19.4% |
| 2015 | 0.01x | $21.14 Million | $1.92 Billion | ▲ +425.7% |
| 2014 | 0.00x | $-6.31 Million | $1.87 Billion | ▼ -117.8% |
| 2013 | 0.02x | $35.26 Million | $1.86 Billion | ▼ -13.5% |
| 2012 | 0.02x | $43.30 Million | $1.97 Billion | ▲ +39.9% |
| 2011 | 0.02x | $29.30 Million | $1.87 Billion | ▼ -53.7% |
| 2010 | 0.03x | $69.18 Million | $2.04 Billion | ▲ +165.2% |
| 2009 | 0.01x | $30.68 Million | $2.40 Billion | ▼ -14.4% |
| 2008 | 0.01x | $41.69 Million | $2.79 Billion | ▲ +169.9% |
| 2007 | 0.01x | $13.88 Million | $2.51 Billion | ▼ -66.6% |
| 2006 | 0.02x | $38.16 Million | $2.30 Billion | ▲ +18.3% |
| 2005 | 0.01x | $31.07 Million | $2.22 Billion | ▲ +174.2% |
| 2004 | 0.01x | $10.06 Million | $1.97 Billion | ▼ -86.1% |
| 2003 | 0.04x | $63.20 Million | $1.72 Billion | ▲ +313.4% |
| 2002 | 0.01x | $13.10 Million | $1.48 Billion | ▲ +2437.8% |
| 2001 | 0.00x | $-459.00K | $1.21 Billion | ▼ -102.9% |
| 2000 | 0.01x | $13.59 Million | $1.04 Billion | ▼ -70.6% |
| 1999 | 0.04x | $39.95 Million | $894.75 Million | ▲ +409.3% |
| 1998 | 0.01x | $8.00 Million | $912.40 Million | ▲ +297.6% |
| 1997 | 0.00x | $-3.80 Million | $856.30 Million | ▼ -110.3% |
| 1996 | 0.04x | $32.20 Million | $746.40 Million | ▲ +164.0% |
| 1995 | 0.02x | $11.20 Million | $685.30 Million | ▼ -38.5% |
| 1994 | 0.03x | $16.20 Million | $609.50 Million | ▲ +65.3% |
| 1993 | 0.02x | $9.10 Million | $566.00 Million | — |