Old Second Bancorp Inc Financial Flexibility Index
Old Second Bancorp Inc 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). See how much free cash does Old Second Bancorp Inc generate to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Old Second Bancorp Inc (1993–2025)
Financial flexibility index of Old Second Bancorp Inc from 1993 to 2025. Historical Financial Flexibility Index trend for Old Second Bancorp Inc across 33 annual periods. Check Old Second Bancorp Inc cash earnings quality to evaluate the quality of earnings relative to operating cash generation.
Old Second Bancorp Inc Financial Flexibility Index by Year (1993–2025)
Old Second Bancorp Inc financial flexibility index by year from 1993 to 2025. Year-by-year free cash flow to debt coverage for Old Second Bancorp Inc. For the full cash flow conversion analysis, see Old Second Bancorp Inc cash conversion from operations.
| 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 | — |