OSBC Stock — Old Second Bancorp Inc

Old Second Bancorp Inc (OSBC)

Updated October 16, 2026.

OSBC is a Stock. its distribution rate is 1.13%, its trailing-12-month yield is 1.13%. Dividend Vision Distribution Safety Score™ is 97/100 (Safe). Total return is 578.9% over the past 32.9 years, 2247.8 points behind SPY at 2826.7%.

Old Second Bancorp operates as a community bank holding company providing deposit accounts, lending products including commercial and residential mortgages, consumer loans, and cash management services to customers in the United States. The company distributes earnings quarterly at a modest current rate. Old Second Bancorp appeals to income investors seeking exposure to regional banking with a steady dividend component.

OSBC performance versus SPY

Price and return data through 2026-10-16.

Total return is 578.9% over the past 32.9 years, 2247.8 points behind SPY at 2826.7%. Over the past year its total return — price change plus distributions reinvested — is 50.9%. Its deepest 1-year drawdown was 9.9%.

OSBC key facts

Distribution Safety Score™

97 · Safe

Safety-Adjusted Yield

1.10%

Asset type

Stock

Asset class

Equity

Inception date

11/16/1993

Distribution rate

1.13%

Distribution frequency

Quarterly

Trailing yield

1.13%

5-year average yield

1.31

Last close

$24.88 (as of 2026-10-16)

Market cap

$1,265,787,814

Average volume

763576.0

Dividend

$0.07

Ex-dividend date

07/31/2026

Payment date

08/10/2026

Beta

0.77

Payout ratio

13.0%

P/E ratio

14.22

Forward P/E

8.5985

EPS

$1.75

How Dividend Vision calculates yield and returns

Distribution rate (1.13%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (1.13%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

OSBC risks and drawbacks

OSBC's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 9.9%.

Who may consider OSBC — and who may not

OSBC may suit someone looking for a high Distribution Safety Score. It is a weaker fit for investors who need monthly cash flow (OSBC pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on OSBC

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Tagged: Financials, Dividend.

Frequently asked questions