Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 70

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 70
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2024, June 30, 2024 and September 30, 2024 of Bancorp Financial;

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certain preliminary and unaudited financial information for the fiscal year and fiscal quarter ended December 31, 2024 of Bancorp Financial (provided by Bancorp Financial);

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the audited financial statements and the Annual Reports on Form 10-K for the three fiscal years ended December 31, 2023 of Old Second;

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the unaudited quarterly financial statements and the Quarterly Reports on Form 10-Q for the fiscal quarters ended March 31, 2024, June 30, 2024 and September 30, 2024 of Old Second;

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certain unaudited financial results for the fiscal quarter ended December 31, 2024 of Old Second (contained in the Current Report on Form 8-K furnished by Old Second on January 22, 2025);

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certain regulatory filings of Bancorp Financial and Old Second and their respective subsidiaries, including the quarterly reports on Form FRY-9C and call reports filed with respect to each quarter during the three year period ended December 31, 2024;

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certain other interim reports and other communications of Bancorp Financial and Old Second provided to their respective stockholders; and

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other financial information concerning the businesses and operations of Bancorp Financial and Old Second furnished to KBW by Bancorp Financial and Old Second or which KBW was otherwise directed to use for purposes of KBW’s analyses.

KBW’s consideration of financial information and other factors that it deemed appropriate under the circumstances or relevant to its analyses included, among others, the following:

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the historical and current financial position and results of operations of Bancorp Financial and Old Second;

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the assets and liabilities of Bancorp Financial and Old Second;

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the nature and terms of certain other merger transactions and business combinations in the banking industry;

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a comparison of certain financial information for Bancorp Financial and certain financial and stock market information for Old Second with similar information for certain other companies, the securities of which are publicly traded;

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financial and operating forecasts and projections of Bancorp Financial that were prepared by Bancorp Financial management, provided to and discussed with KBW by such management, and used and relied upon by KBW at the direction of such management and with the consent of the Bancorp Financial board of directors; and

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publicly available consensus “street estimates” of Old Second, as well as assumed Old Second long-term growth rates that were provided to KB