Old Second vs Carlyle Secured Lending
Old Second Bancorp Inc and Carlyle Secured Lending Inc are presented here to compare their business models, financial performance, and market context. The page outlines how each company approaches growth, risk, and operations, offering a neutral lens for readers to understand similarities and differences. This content aims to inform rather than advise. Educational content, not financial advice.
Old Second Bancorp Inc and Carlyle Secured Lending Inc are presented here to compare their business models, financial performance, and market context. The page outlines how each company approaches gro...
Investment Analysis
Old Second
OSBC
Pros
- Old Second Bancorp reported a strong Q2 2025 net income of $21.8 million, demonstrating profitability.
- Completed merger with Bancorp Financial in mid-2025, potentially enhancing scale and market reach.
- Provides senior secured credit facilities, showing capability in supporting leveraged acquisitions.
Considerations
- Exposure to regional banking risks given its primary operations through Old Second National Bank.
- Relies heavily on commercial banking activities, which may be vulnerable to economic downturns.
- Integration risks remain following recent merger, with operational and cultural challenges possible.
Pros
- Specializes in senior secured loans targeting middle-market companies with EBITDA between $25M and $100M.
- Diversified investment across various industries including healthcare, aerospace, and technology.
- Operates across multiple geographies including the US, UK, Luxembourg, Cayman Islands, and Cyprus.
Considerations
- Externally managed structure may lead to higher operating costs compared to internally managed peers.
- Concentrated exposure to credit risk in middle-market companies, which could be sensitive to economic shifts.
- Faces competition from more efficient BDCs with internal management and diversified investment strategies.
Which Baskets Do They Appear In?
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Which Baskets Do They Appear In?
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