OSBC (Old Second Bancorp) Dividend Payout Ratio: 0.14 (As of Mar. 2026) — 56% Above Median

What is Old Second Bancorp Dividend Payout Ratio?

Old Second Bancorp OSBC +0.96% 69 Dividend Payout Ratio is 0.14 as of Mar. 2026, which is 56% above its 10-year median of 0.09. GuruFocus rates OSBC with a GF Score™ of 69/100 and a GF Value™ of $18.66 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,168 Banks companies, Old Second Bancorp ranks better than 91.95% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Old Second Bancorp's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.14.

The historical rank and industry rank for Old Second Bancorp's Dividend Payout Ratio or its related term are showing as below:

OSBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.09 Max: 0.12
Current: 0.12

During the past 13 years, the highest Dividend Payout Ratio of Old Second Bancorp was 0.12. The lowest was 0.03. And the median was 0.09.

OSBC's Dividend Payout Ratio is ranked better than
91.95% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs OSBC: 0.12

As of today (2026-06-26), the Dividend Yield % of Old Second Bancorp is 1.16%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Old Second Bancorp was 1.78%. The lowest was 0.12%. And the median was 0.64%.

Old Second Bancorp's Dividends per Share for the months ended in Mar. 2026 was $0.07.

During the past 12 months, Old Second Bancorp's average Dividends Per Share Growth Rate was 18.20% 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.

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.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Old Second Bancorp (NAS:OSBC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Old Second Bancorp Dividend Payout Ratio Related Terms

Old Second Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Old Second Bancorp's Dividend Payout Ratio can be seen below:

* 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 Dividend Payout Ratio Chart

Old Second Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

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Dec21

Dec22

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Dec25

Dividend Payout Ratio

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0.12

0.09

0.11

0.12

Old Second Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.13	0.12	0.11	0.12	0.14

OSBC vs UVSP, CCB, MCB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Old Second Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Old Second Bancorp's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Old Second Bancorp's Dividend Payout Ratio falls into.

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69GF Score

Old Second Bancorp Inc OSBC

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Old Second Bancorp Dividend Payout Ratio Calculation

Old Second Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.25	/	2.07
	=	0.12

Old Second Bancorp's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.07	/	0.49
	=	0.14

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.14 mean?

Old Second Bancorp (OSBC) has a Dividend Payout Ratio of 0.14 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Old Second Bancorp and its competitors. This is 56% above median its historical median of 0.09. Over the past decade, Old Second Bancorp's Dividend Payout Ratio has ranged from 0.03 to 0.12. According to the industry distribution chart, Old Second Bancorp ranks #94 out of 1168 companies in the Banks industry, placing it in the top 8%.

Is Old Second Bancorp's Dividend Payout Ratio too high?

Old Second Bancorp's current Dividend Payout Ratio of 0.14 is 56% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.12. The Banks industry median Dividend Payout Ratio is 0.32. Old Second Bancorp's value of 0.14 is 56.3% below this industry median. Based on the distribution chart, Old Second Bancorp ranks #94 out of 1168 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Old Second Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Old Second Bancorp's Dividend Payout Ratio compare to UVSP and CCB?

According to the Banks industry distribution chart, Old Second Bancorp ranks #94 out of 1168 companies for Dividend Payout Ratio. This places Old Second Bancorp in the top 8% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Old Second Bancorp's value of 0.14 is 56.3% below this benchmark. Historically, Old Second Bancorp's own Dividend Payout Ratio has ranged from 0.03 to 0.12 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Second Bancorp's current Dividend Payout Ratio of 0.14 is 56.3% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Old Second Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Second Bancorp's current Dividend Payout Ratio is 0.14, which is 56% above median its own 10-year median of 0.09. 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 (OSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.66, compared to a current price of $23.23 — trading 24.5% above its estimated fair value. The current Dividend Payout Ratio is 0.14, which is 56% above median its 10-year median of 0.09 and 56.3% below the Banks industry median of 0.32. Old Second Bancorp's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current Dividend Payout Ratio is 0.14 as of Mar. 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 (OSBC) Overvalued in 2026?

Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued. The current stock price of $23.23 is trading 24.5% above its estimated GF Value™ of $18.66. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

Dividend Payout Ratio: 0.14 (56% above median its 10-year median of 0.09)
GF Value™: $18.66 vs. price of $23.23 (24.5% above fair value)
GF Score™: 69/100 with 7 warning signs
Industry Position: 56.3% below the Banks median (#94 of 1168)

No single metric tells the full story. See the OSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Old Second Bancorp Business Description

Industry Financial Services Banks

Comparable Companies UVSP CCB MCB OCFC NBN FBAK HFWA PFBC AGBK HBT SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 37 South River Street, Aurora, IL, USA, 60507

Website https://www.oldsecond.com

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.

69GF Score

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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.23

Price

$18.66

GF Value

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