Old Second Bancorp, Inc. — Earnings Quality Grade F
OSBC · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 19.0% but CFFO declined -7.0%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -58.2% vs revenue 19.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.52. Profits backed by cash
FCF $0.1B, FCF/NI = 1.47
Accruals ratio = -0.6%. Low accruals
Cash $0.1B covers only 39% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 18% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 29% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Old Second Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25