OSBC PEER ANALYSIS

Old Second Bancorp Inc — metric-by-metric comparison with peers and the industry median

OSBCOld Second Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

OSBCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	OSBC	LB	SKBNK	LLOY	NWG	KLNMA	Ind. Median
P/E	14.43	116.67	20.06	13.42	9.21●	10.20	12.96
P/B	1.39	0.68●	3.18	1.41	1.41	2.79	1.29
EV/EBITDA	11.82	306.42	1.78	14.85	-8.40●	7.18	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OSBC	LB	SKBNK	LLOY	NWG	KLNMA	Ind. Median
Current Ratio	0.22	0.01	—	0.12	0.25●	—	0.31
Debt/Equity	36.2%	744.5%	0.0%●	209.8%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	2.14	280.57	-13.41	5.39	-14.68●	-0.00	-0.58

Profitability
Metric	OSBC	LB	SKBNK	LLOY	NWG	KLNMA	Ind. Median
Net Margin	20.2%	1.4%	14.2%	25.9%	20.1%	58.1%●	20.6%
ROE	10.8%	1.0%	17.5%	10.6%	14.9%	34.1%●	10.9%
ROA	1.4%	0.1%	1.2%	0.5%	0.8%	5.4%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OSBC	LB	SKBNK	LLOY	NWG	KLNMA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	2.7%	-80.9%	8.1%	16.2%	16.0%	42.3%●	19.4%
Div. Yield	1.1%	4.7%	—	3.2%	4.8%●	—	2.5%
Payout	15.4%	335.1%	—	—	—	—	31.4%

Valuation
Metric	OSBC	UVSP	CCB	FMBH	CTBI	PFBC	Ind. Median
P/E	14.43	13.07	24.75	12.63	12.75	9.81●	12.96
P/B	1.39	1.31	2.42	1.13●	1.51	1.72	1.29
EV/EBITDA	11.82	10.79	17.26	9.91	8.29	4.66●	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OSBC	UVSP	CCB	FMBH	CTBI	PFBC	Ind. Median
Current Ratio	0.22	0.03	783.46●	0.09	1.88	183.04	0.31
Debt/Equity	36.2%	34.4%	10.5%●	56.8%	43.5%	49.7%	38.0%
NetDebt/EBITDA	2.14	0.76	0.00	-0.68	-1.12	-2.18●	-0.58

Profitability
Metric	OSBC	UVSP	CCB	FMBH	CTBI	PFBC	Ind. Median
Net Margin	20.2%	18.3%	8.2%	21.0%	24.9%	26.7%●	20.6%
ROE	10.8%	10.3%	10.3%	9.8%	12.5%	17.4%●	10.9%
ROA	1.4%	1.2%	1.0%	1.1%	1.6%	1.8%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OSBC	UVSP	CCB	FMBH	CTBI	PFBC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	2.7%	22.3%●	2.4%	19.0%	19.9%	5.9%	19.4%
Div. Yield	1.1%	2.0%	—	2.0%	2.8%	2.9%●	2.5%
Payout	15.4%	26.7%	—	24.7%	35.9%	28.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.