Old Second Bancorp Inc (OSBC) — Financial Flexibility Index
Old Second Bancorp Inc (OSBC) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of $36.94 Million (operating CF $36.94 Million minus capex $0.00) represents 0% of total liabilities ($5.96 Billion). Check Old Second Bancorp Inc total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Old Second Bancorp Inc Financial Flexibility Index (1993–2025)
Historical Financial Flexibility Index trend for Old Second Bancorp Inc across 33 annual periods. For the full cash flow conversion analysis, see Old Second Bancorp Inc (OSBC) cash flow conversion.
Annual Financial Flexibility Index for Old Second Bancorp Inc (1993–2025)
Year-by-year free cash flow to debt coverage for Old Second Bancorp Inc. Explore cash flow to debt ratio of Old Second Bancorp Inc to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $126.77 Million | $122.26 Million | $6.01 Billion | ▼ -26.2% |
| 2024 | 0.03x | $142.32 Million | $131.53 Million | $4.98 Billion | ▲ +14.2% |
| 2023 | 0.03x | $128.78 Million | $116.40 Million | $5.15 Billion | ▲ +33.6% |
| 2022 | 0.02x | $101.68 Million | $97.34 Million | $5.43 Billion | ▼ -91.6% |
| 2021 | 0.22x | $33.08 Million | $31.05 Million | $148.54 Million | ▼ -30.3% |
| 2020 | 0.32x | $29.91 Million | $25.99 Million | $93.54 Million | ▲ +1222.2% |
| 2019 | 0.02x | $57.01 Million | $52.64 Million | $2.36 Billion | ▲ +4.2% |
| 2018 | 0.02x | $56.80 Million | $54.91 Million | $2.45 Billion | ▲ +32.8% |
| 2017 | 0.02x | $38.16 Million | $37.10 Million | $2.18 Billion | ▲ +24.1% |
| 2016 | 0.01x | $29.24 Million | $27.25 Million | $2.08 Billion | ▲ +20.8% |
| 2015 | 0.01x | $22.42 Million | $21.14 Million | $1.92 Billion | ▲ +518.1% |
| 2014 | 0.00x | $-5.21 Million | $-6.31 Million | $1.87 Billion | ▼ -114.0% |
| 2013 | 0.02x | $37.05 Million | $35.26 Million | $1.86 Billion | ▼ -11.2% |
| 2012 | 0.02x | $44.35 Million | $43.30 Million | $1.97 Billion | ▲ +39.4% |
| 2011 | 0.02x | $30.10 Million | $29.30 Million | $1.87 Billion | ▼ -53.1% |
| 2010 | 0.03x | $70.10 Million | $69.18 Million | $2.04 Billion | ▲ +159.6% |
| 2009 | 0.01x | $31.77 Million | $30.68 Million | $2.40 Billion | ▼ -22.7% |
| 2008 | 0.02x | $47.79 Million | $41.69 Million | $2.79 Billion | ▲ +110.6% |
| 2007 | 0.01x | $20.39 Million | $13.88 Million | $2.51 Billion | ▼ -61.1% |
| 2006 | 0.02x | $48.08 Million | $38.16 Million | $2.30 Billion | ▲ +13.3% |
| 2005 | 0.02x | $40.86 Million | $31.07 Million | $2.22 Billion | ▲ +122.6% |
| 2004 | 0.01x | $16.30 Million | $10.06 Million | $1.97 Billion | ▼ -79.4% |
| 2003 | 0.04x | $69.12 Million | $63.20 Million | $1.72 Billion | ▲ +186.7% |
| 2002 | 0.01x | $20.65 Million | $13.10 Million | $1.48 Billion | ▲ +361.8% |
| 2001 | 0.00x | $3.66 Million | $-459.00K | $1.21 Billion | ▼ -81.4% |
| 2000 | 0.02x | $16.92 Million | $13.59 Million | $1.04 Billion | ▼ -64.9% |
| 1999 | 0.05x | $41.68 Million | $39.95 Million | $894.75 Million | ▲ +312.6% |
| 1998 | 0.01x | $10.30 Million | $8.00 Million | $912.40 Million | ▲ +2033.3% |
| 1997 | 0.00x | $-500.00K | $-3.80 Million | $856.30 Million | ▼ -101.3% |
| 1996 | 0.05x | $34.20 Million | $32.20 Million | $746.40 Million | ▲ +147.2% |
| 1995 | 0.02x | $12.70 Million | $11.20 Million | $685.30 Million | ▼ -35.5% |
| 1994 | 0.03x | $17.50 Million | $16.20 Million | $609.50 Million | ▲ +60.9% |
| 1993 | 0.02x | $10.10 Million | $9.10 Million | $566.00 Million | — |