OSBC Spending and interest coverage | OLD SECOND BANCORP INC

OLD SECOND BANCORP INC (OSBC) Spending and interest coverage

R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
Stock-based compensation / revenue · 12 months: Value (m); Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..

Spending and interest coverage

Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.

Metric	Value	Formula and calculation
R&D / revenue · 12 months	(m)	Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m).
Stock-based compensation / revenue · 12 months	(m)	Share-based compensation / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m).
Interest coverage · 12 months	(m)	Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m).

Calculation inputs

Input	Amount with unit	Raw financial data
Research and development spending	(m)
Revenue	(m)
Stock-based compensation	5.87M USD	Share-based Payment Arrangement, Noncash Expense
Operating income	(m)
Interest expense · reported / estimated	(m)	Interest Expense · Estimated expense assumptions

Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.

Calculated history

Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.

Period ending	Research and development spending (USD)	Revenue (USD)	Stock-based compensation (USD)	Operating income (USD)	Interest expense · reported / estimated (USD)	R&D / revenue	SBC / revenue	Interest coverage	Interest expense basis
2026-06-30	(m)	(m)	$5.87M	(m)	(m)	(m)	(m)	(m)	(m)
2026-03-31	(m)	(m)	$5.61M	(m)	(m)	(m)	(m)	(m)	(m)
2025-12-31	(m)	(m)	$5.55M	(m)	(m)	(m)	(m)	(m)	(m)
2025-09-30	(m)	(m)	$4.92M	(m)	(m)	(m)	(m)	(m)	(m)
2025-06-30	(m)	(m)	$4.34M	(m)	(m)	(m)	(m)	(m)	(m)
2025-03-31	(m)	(m)	$4.14M	(m)	$53.38M	(m)	(m)	(m)	Reported
2024-12-31	(m)	(m)	$3.91M	(m)	$56.27M	(m)	(m)	(m)	Reported
2024-09-30	(m)	(m)	$3.98M	(m)	$55.03M	(m)	(m)	(m)	Reported
2024-06-30	(m)	(m)	$3.94M	(m)	$50.74M	(m)	(m)	(m)	Reported
2024-03-31	(m)	(m)	$3.73M	(m)	$47.51M	(m)	(m)	(m)	Reported
2023-12-31	(m)	(m)	$3.60M	(m)	$40.04M	(m)	(m)	(m)	Reported
2023-09-30	(m)	(m)	$3.49M	(m)	$31.23M	(m)	(m)	(m)	Reported
2023-06-30	(m)	(m)	$3.27M	(m)	$22.47M	(m)	(m)	(m)	Reported
2023-03-31	(m)	(m)	$3.15M	(m)	$14.29M	(m)	(m)	(m)	Reported
2022-12-31	(m)	(m)	$2.96M	(m)	$10.32M	(m)	(m)	(m)	Reported
2022-09-30	(m)	(m)	$2.50M	(m)	$8.85M	(m)	(m)	(m)	Reported
2022-06-30	(m)	(m)	$2.29M	(m)	$8.59M	(m)	(m)	(m)	Reported
2022-03-31	(m)	(m)	$2.07M	(m)	$8.70M	(m)	(m)	(m)	Reported
2021-12-31	(m)	(m)	$1.44M	(m)	$8.45M	(m)	(m)	(m)	Reported
2021-09-30	(m)	(m)	$1.58M	(m)	$8.39M	(m)	(m)	(m)	Reported
2021-06-30	(m)	(m)	$1.39M	(m)	$8.75M	(m)	(m)	(m)	Reported
2021-03-31	(m)	(m)	$1.47M	(m)	$9.52M	(m)	(m)	(m)	Reported
2020-12-31	(m)	(m)	$2.09M	(m)	$12.46M	(m)	(m)	(m)	Reported
2020-09-30	(m)	(m)	$2.23M	(m)	$14.81M	(m)	(m)	(m)	Reported
2020-06-30	(m)	(m)	$2.59M	(m)	$16.94M	(m)	(m)	(m)	Reported
2020-03-31	(m)	(m)	$2.67M	(m)	$18.77M	(m)	(m)	(m)	Reported
2019-12-31	(m)	(m)	$2.52M	(m)	$18.84M	(m)	(m)	(m)	Reported
2019-09-30	(m)	(m)	$2.52M	(m)	$19.05M	(m)	(m)	(m)	Reported
2019-06-30	(m)	(m)	$2.40M	(m)	$18.82M	(m)	(m)	(m)	Reported
2019-03-31	(m)	(m)	$2.44M	(m)	$18.01M	(m)	(m)	(m)	Reported
2018-12-31	(m)	(m)	$2.26M	(m)	$16.68M	(m)	(m)	(m)	Reported
2018-09-30	(m)	(m)	$1.93M	(m)	$15.26M	(m)	(m)	(m)	Reported
2018-06-30	(m)	(m)	$1.65M	(m)	$13.96M	(m)	(m)	(m)	Reported
2018-03-31	(m)	(m)	$1.25M	(m)	$13.09M	(m)	(m)	(m)	Reported
2017-12-31	(m)	(m)	$1.18M	(m)	$12.63M	(m)	(m)	(m)	Reported
2017-09-30	(m)	(m)	$1.07M	(m)	$12.03M	(m)	(m)	(m)	Reported
2017-06-30	(m)	(m)	$957.00K	(m)	$11.37M	(m)	(m)	(m)	Reported
2017-03-31	(m)	(m)	$809.00K	(m)	$10.65M	(m)	(m)	(m)	Reported
2016-12-31	(m)	(m)	$657.00K	(m)	$9.94M	(m)	(m)	(m)	Reported
2016-09-30	(m)	(m)	$629.00K	(m)	$9.56M	(m)	(m)	(m)	Reported
2016-06-30	(m)	(m)	$594.00K	(m)	$9.35M	(m)	(m)	(m)	Reported
2016-03-31	(m)	(m)	$605.00K	(m)	$9.17M	(m)	(m)	(m)	Reported
2015-12-31	(m)	(m)	$613.00K	(m)	$9.08M	(m)	(m)	(m)	Reported
2015-09-30	(m)	(m)	$572.00K	(m)	$9.13M	(m)	(m)	(m)	Reported
2015-06-30	(m)	(m)	$557.00K	(m)	$9.39M	(m)	(m)	(m)	Reported
2015-03-31	(m)	(m)	$406.00K	(m)	$10.14M	(m)	(m)	(m)	Reported
2014-12-31	(m)	(m)	$295.00K	(m)	$10.98M	(m)	(m)	(m)	Reported
2014-09-30	(m)	(m)	$233.00K	(m)	$11.85M	(m)	(m)	(m)	Reported
2014-06-30	(m)	(m)	$182.00K	(m)	$12.75M	(m)	(m)	(m)	Reported
2014-03-31	(m)	(m)	$219.00K	(m)	$13.31M	(m)	(m)	(m)	Reported
2013-12-31	(m)	(m)	$167.00K	(m)	$13.79M	(m)	(m)	(m)	Reported
2013-09-30	(m)	(m)	$194.00K	(m)	$14.21M	(m)	(m)	(m)	Reported
2013-06-30	(m)	(m)	$205.00K	(m)	$14.47M	(m)	(m)	(m)	Reported
2013-03-31	(m)	(m)	$218.00K	(m)	$14.98M	(m)	(m)	(m)	Reported
2012-12-31	(m)	(m)	$291.00K	(m)	$15.73M	(m)	(m)	(m)	Reported
2012-09-30	(m)	(m)	$505.00K	(m)	$17.05M	(m)	(m)	(m)	Reported
2012-06-30	(m)	(m)	$613.00K	(m)	$18.47M	(m)	(m)	(m)	Reported
2012-03-31	(m)	(m)	$800.00K	(m)	$19.93M	(m)	(m)	(m)	Reported
2011-12-31	(m)	(m)	$951.00K	(m)	$21.47M	(m)	(m)	(m)	Reported
2011-09-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2011-06-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2011-03-31	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2010-12-31	(m)	(m)	$1.06M	(m)	$28.07M	(m)	(m)	(m)	Reported
2010-09-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2010-06-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)

(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.

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