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Old Second BancorpFRA:OSB -0.99%74 3-Year Dividend Growth Rate is 7.70% as of Jun. 2026, which is 30% below its 10-year median of 11.00. GuruFocus rates FRA:OSB with a GF Score™ of 74/100 and a GF Value™ of €16.99 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 962 Banks companies, Old Second Bancorp ranks worse than 55.72% on this metric.
The historical rank and industry rank for Old Second Bancorp's 3-Year Dividend Growth Rate or its related term are showing as below:
FRA:OSB'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -67.6 Med: 11 Max: 71
Current: 7.7
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Old Second Bancorp was 71.00% per year. The lowest was -67.60% per year. And the median was 11.00% per year.
FRA:OSB's 3-Year Dividend Growth Rate is ranked worse than 55.72% of 962
companies
in the Banks industry
Industry Median: 10.1
vs FRA:OSB: 7.70
During the past 12 months, Old Second Bancorp's average Dividends Per Share Growth Rate was 17.40% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 7.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 33.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of Old Second Bancorp was 0.13. The lowest was 0.03. And the median was 0.09.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Old Second Bancorp Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.070000
2026-07-31
2026-07-31
2026-08-10
Cash Dividend
quarterly
USD:EUR 0.875000
USD 0.070000
2026-05-04
2026-05-01
2026-05-11
Cash Dividend
quarterly
USD:EUR 0.856000
USD 0.070000
2026-01-30
2026-01-30
2026-02-09
Cash Dividend
quarterly
USD:EUR 0.851000
USD 0.070000
2025-10-31
2025-10-31
2025-11-10
Cash Dividend
quarterly
USD:EUR 0.859000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Old Second Bancorp's Dividend Yield (%) for Today is calculated as
Current Share Price is €20.00.
Old Second Bancorp's Dividends per Share for the trailing twelve months (TTM) ended in Today is €0.24087.
During the past 13 years, the highest Dividend Yield of Old Second Bancorp was 1.78%. The lowest was 0.12%. And the median was 0.68%.
Warning Sign:
Old Second Bancorp Inc stock Dividend Yield % is close to 3-year low.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Old Second Bancorp 3-Year Dividend Growth Rate Related Terms>
FRA:OSB vs HBT, FMBH, PFBC: 3-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, Old Second Bancorp's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Old Second Bancorp 3-Year Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Old Second Bancorp's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Old Second Bancorp's 3-Year Dividend Growth Rate falls into.
Old Second Bancorp 3-Year Dividend Growth Rate Calculation
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 7.70% mean?
Old Second Bancorp (FRA:OSB) has a 3-Year Dividend Growth Rate of 7.70% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Old Second Bancorp and its competitors. This is 30% below median its historical median of 11.00. According to the industry distribution chart, Old Second Bancorp ranks #536 out of 962 companies in the Banks industry, placing it in the top 55.7%.
Is Old Second Bancorp's 3-Year Dividend Growth Rate too high?
Old Second Bancorp's current 3-Year Dividend Growth Rate of 7.70% is 30% below median its 10-year median of 11.00. The Banks industry median 3-Year Dividend Growth Rate is 10.10. Old Second Bancorp's value of 7.70% is 23.8% below this industry median. Based on the distribution chart, Old Second Bancorp ranks #536 out of 962 companies in the Banks industry, which is below the industry midpoint. Overall, Old Second Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's 3-Year Dividend Growth Rate compare to HBT and FMBH?
According to the Banks industry distribution chart, Old Second Bancorp ranks #536 out of 962 companies for 3-Year Dividend Growth Rate. This places Old Second Bancorp in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. Old Second Bancorp's value of 7.70% is 23.8% below this benchmark. While the company's 10-year median is 11.00 vs. the industry median of 10.10, Old Second Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 962 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current 3-Year Dividend Growth Rate of 7.70% is 23.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current 3-Year Dividend Growth Rate is 7.70%, which is 30% below median its own 10-year median of 11.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old Second Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Old Second Bancorp (FRA:OSB) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.99, compared to a current price of €20.00 — trading 17.7% above its estimated fair value. The current 3-Year Dividend Growth Rate is 7.70%, which is 30% below median its 10-year median of 11.00 and 23.8% below the Banks industry median of 10.10. Old Second Bancorp's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current 3-Year Dividend Growth Rate is 7.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Old Second Bancorp (FRA:OSB) Overvalued in 2026?
Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued.
The current stock price of €20.00 is trading 17.7% above its estimated GF Value™ of €16.99.
GuruFocus considers Old Second Bancorp to be Modestly Overvalued.
Key valuation signals for FRA:OSB:
3-Year Dividend Growth Rate: 7.70% (30% below median its 10-year median of 11.00)
GF Value™: €16.99 vs. price of €20.00 (17.7% above fair value)
Industry Position: 23.8% below the Banks median (#536 of 962)
No single metric tells the full story. See the FRA:OSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.
74GF Score
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3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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