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 (OSBC) strategic investment index to assess the company's strategic physical and investment asset allocation.
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. See OSBC current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see OSBC market cap overview.
| 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 | — |