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Side-by-side financial comparison of OLD SECOND BANCORP INC (OSBC) and Zhihu Inc. (ZH). 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 $92.0M, roughly 1.0× Zhihu Inc.). Zhihu Inc. runs the higher net margin — 32.7% vs 27.3%, a 5.4% gap on every dollar of revenue. Over the past eight quarters, OLD SECOND BANCORP INC's revenue compounded faster (15.1% CAGR vs -19.0%).
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...
Zhihu is a Chinese social question and answer site and news aggregator. Originally based in Chengdu and with creators from Sichuan, China, the website launched on January 26, 2011. The number of registered users on Zhihu exceeded 10 million by the end of 2013, and reached 17 million as of May 2015, with 250 million monthly page views.
OSBC vs ZH — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $93.8M | $92.0M |
| Net Profit | $25.6M | $30.1M |
| Gross Margin | — | 53.6% |
| Operating Margin | — | — |
| Net Margin | 27.3% | 32.7% |
| Revenue YoY | — | — |
| Net Profit YoY | 159.2% | — |
| EPS (diluted) | $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 | $92.0M | ||
| Q4 25 | $95.2M | — | ||
| Q3 25 | $95.9M | $92.6M | ||
| Q2 25 | $75.1M | $100.1M | ||
| Q1 25 | $73.1M | $100.6M | ||
| Q4 24 | $73.2M | — | ||
| Q3 24 | $71.2M | $120.4M | ||
| Q2 24 | $70.8M | $128.5M |
| Q1 26 | $25.6M | $30.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $9.9M | — | ||
| Q2 25 | $21.8M | — | ||
| Q1 25 | $19.8M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $23.0M | $-1.3M | ||
| Q2 24 | $21.9M | $-11.1M |
| Q1 26 | — | 53.6% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 61.3% | ||
| Q2 25 | — | 62.5% | ||
| Q1 25 | — | 61.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 59.6% |
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | — | ||
| Q3 25 | 13.6% | -15.1% | ||
| Q2 25 | 38.9% | -12.7% | ||
| Q1 25 | 35.8% | — | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 41.9% | -10.0% | ||
| Q2 24 | 41.2% | -19.7% |
| Q1 26 | 27.3% | 32.7% | ||
| Q4 25 | — | — | ||
| Q3 25 | 10.3% | — | ||
| Q2 25 | 29.0% | — | ||
| Q1 25 | 27.1% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 32.3% | -1.1% | ||
| Q2 24 | 30.9% | -8.6% |
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | — | ||
| Q3 25 | $0.18 | — | ||
| Q2 25 | $0.48 | — | ||
| Q1 25 | $0.43 | — | ||
| Q4 24 | $0.42 | — | ||
| Q3 24 | $0.50 | — | ||
| Q2 24 | $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 | $481.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $893.3M | $554.1M |
| Total Assets | $6.8B | $742.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $115.7M | $481.8M | ||
| Q4 25 | $124.0M | — | ||
| Q3 25 | $116.5M | $383.5M | ||
| Q2 25 | $141.8M | $446.5M | ||
| Q1 25 | $256.1M | $446.5M | ||
| Q4 24 | $99.3M | — | ||
| Q3 24 | $115.8M | $458.0M | ||
| Q2 24 | $120.9M | $434.7M |
| Q1 26 | $893.3M | $554.1M | ||
| Q4 25 | $896.8M | — | ||
| Q3 25 | $866.7M | $578.9M | ||
| Q2 25 | $718.6M | $587.4M | ||
| Q1 25 | $694.5M | $573.2M | ||
| Q4 24 | $671.0M | — | ||
| Q3 24 | $661.4M | $619.2M | ||
| Q2 24 | $619.3M | $605.5M |
| Q1 26 | $6.8B | $742.3M | ||
| Q4 25 | $6.9B | — | ||
| Q3 25 | $7.0B | $772.8M | ||
| Q2 25 | $5.7B | $802.2M | ||
| Q1 25 | $5.7B | $783.1M | ||
| Q4 24 | $5.6B | — | ||
| Q3 24 | $5.7B | $856.2M | ||
| Q2 24 | $5.7B | $840.5M |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
ZH
Segment breakdown not available.
