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 free cash flow generation of Old Second Bancorp Inc to measure how efficiently the company converts operating cash flow to free cash.
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. Also explore net asset growth rate of Old Second Bancorp Inc to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Old Second Bancorp Inc (1993–2025)
Year-by-year debt coverage analysis for Old Second Bancorp Inc. For market capitalisation and broader financial context, see how much is Old Second Bancorp Inc worth.
| 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 | — |