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Side-by-side financial comparison of FIRST BANCORP (FBNC) and OLD SECOND BANCORP INC (OSBC). Click either name above to swap in a different company.
OLD SECOND BANCORP INC is the larger business by last-quarter revenue ($93.8M vs $89.6M, roughly 1.0× FIRST BANCORP). OLD SECOND BANCORP INC runs the higher net margin — 27.3% vs 22.7%, a 4.6% gap on every dollar of revenue.
First Bancorp is an American bank holding company headquartered in Southern Pines, North Carolina, that operates as First Bank in North Carolina and South Carolina.
U.S. Bancorp is an American multinational banking institution headquartered in Minneapolis, Minnesota and incorporated in Delaware. It is the 5th-largest bank in the United States as of 2025. As the largest bank in the Midwestern United States, it is considered systemically important by the Financial Stability Board. It is the parent company of its primary operating entity, U.S. Bank National Association, which does business as U.S. Bank. The company provides banking, investment, mortgage, tr...
FBNC vs OSBC — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $89.6M | $93.8M |
| Net Profit | $20.4M | $25.6M |
| Gross Margin | — | — |
| Operating Margin | 29.0% | — |
| Net Margin | 22.7% | 27.3% |
| Revenue YoY | -7.3% | — |
| Net Profit YoY | 9.0% | 159.2% |
| EPS (diluted) | $0.49 | $0.48 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $93.8M | ||
| Q4 25 | — | $95.2M | ||
| Q3 25 | $89.6M | $95.9M | ||
| Q2 25 | $111.0M | $75.1M | ||
| Q1 25 | $105.8M | $73.1M | ||
| Q4 24 | — | $73.2M | ||
| Q3 24 | $96.6M | $71.2M | ||
| Q2 24 | $95.7M | $70.8M |
| Q1 26 | — | $25.6M | ||
| Q4 25 | — | — | ||
| Q3 25 | $20.4M | $9.9M | ||
| Q2 25 | $38.6M | $21.8M | ||
| Q1 25 | $36.4M | $19.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $18.7M | $23.0M | ||
| Q2 24 | $28.7M | $21.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 41.2% | ||
| Q3 25 | 29.0% | 13.6% | ||
| Q2 25 | 44.9% | 38.9% | ||
| Q1 25 | 44.2% | 35.8% | ||
| Q4 24 | — | 34.7% | ||
| Q3 24 | 23.4% | 41.9% | ||
| Q2 24 | 38.5% | 41.2% |
| Q1 26 | — | 27.3% | ||
| Q4 25 | — | — | ||
| Q3 25 | 22.7% | 10.3% | ||
| Q2 25 | 34.7% | 29.0% | ||
| Q1 25 | 34.4% | 27.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | 19.3% | 32.3% | ||
| Q2 24 | 30.0% | 30.9% |
| Q1 26 | — | $0.48 | ||
| Q4 25 | — | $0.53 | ||
| Q3 25 | $0.49 | $0.18 | ||
| Q2 25 | $0.93 | $0.48 | ||
| Q1 25 | $0.88 | $0.43 | ||
| Q4 24 | — | $0.42 | ||
| Q3 24 | $0.45 | $0.50 | ||
| Q2 24 | $0.70 | $0.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $92.4M | — |
| Stockholders' EquityBook value | $1.6B | $893.3M |
| Total Assets | $12.8B | $6.8B |
| Debt / EquityLower = less leverage | 0.06× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $115.7M | ||
| Q4 25 | — | $124.0M | ||
| Q3 25 | — | $116.5M | ||
| Q2 25 | — | $141.8M | ||
| Q1 25 | — | $256.1M | ||
| Q4 24 | — | $99.3M | ||
| Q3 24 | — | $115.8M | ||
| Q2 24 | — | $120.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $92.4M | — | ||
| Q2 25 | $92.2M | — | ||
| Q1 25 | $92.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $91.7M | — | ||
| Q2 24 | $91.5M | — |
| Q1 26 | — | $893.3M | ||
| Q4 25 | — | $896.8M | ||
| Q3 25 | $1.6B | $866.7M | ||
| Q2 25 | $1.6B | $718.6M | ||
| Q1 25 | $1.5B | $694.5M | ||
| Q4 24 | — | $671.0M | ||
| Q3 24 | $1.5B | $661.4M | ||
| Q2 24 | $1.4B | $619.3M |
| Q1 26 | — | $6.8B | ||
| Q4 25 | — | $6.9B | ||
| Q3 25 | $12.8B | $7.0B | ||
| Q2 25 | $12.6B | $5.7B | ||
| Q1 25 | $12.4B | $5.7B | ||
| Q4 24 | — | $5.6B | ||
| Q3 24 | $12.2B | $5.7B | ||
| Q2 24 | $12.1B | $5.7B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.07× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $49.7M | — |
| Free Cash FlowOCF − Capex | $48.2M | — |
| FCF MarginFCF / Revenue | 53.8% | — |
| Capex IntensityCapex / Revenue | 1.6% | — |
| Cash ConversionOCF / Net Profit | 2.44× | — |
| TTM Free Cash FlowTrailing 4 quarters | $182.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $122.3M | ||
| Q3 25 | $49.7M | $35.9M | ||
| Q2 25 | $45.7M | $24.2M | ||
| Q1 25 | $52.6M | $17.8M | ||
| Q4 24 | — | $131.5M | ||
| Q3 24 | $38.4M | $48.5M | ||
| Q2 24 | $87.7M | $11.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $117.8M | ||
| Q3 25 | $48.2M | $34.7M | ||
| Q2 25 | $44.3M | $23.5M | ||
| Q1 25 | $52.4M | $16.2M | ||
| Q4 24 | — | $120.7M | ||
| Q3 24 | $38.0M | $46.2M | ||
| Q2 24 | $87.6M | $8.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | 123.7% | ||
| Q3 25 | 53.8% | 36.2% | ||
| Q2 25 | 39.9% | 31.2% | ||
| Q1 25 | 49.5% | 22.2% | ||
| Q4 24 | — | 165.0% | ||
| Q3 24 | 39.3% | 64.9% | ||
| Q2 24 | 91.6% | 12.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.7% | ||
| Q3 25 | 1.6% | 1.3% | ||
| Q2 25 | 1.2% | 1.1% | ||
| Q1 25 | 0.2% | 2.2% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | 0.5% | 3.3% | ||
| Q2 24 | 0.1% | 4.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.44× | 3.64× | ||
| Q2 25 | 1.19× | 1.11× | ||
| Q1 25 | 1.44× | 0.90× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.06× | 2.11× | ||
| Q2 24 | 3.06× | 0.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FBNC
Segment breakdown not available.
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
