Old Second Bancorp (FRA:OSB) Total Payout Ratio: 0.51 (As of Jul. 19, 2026)

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FRA:OSB Old Second Bancorp Inc FRA:OSB
68 GF Score
Price €20.60
GF Value €16.31
! 7 Warning Signs
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What is Old Second Bancorp Total Payout Ratio?

Old Second Bancorp FRA:OSB +3.52% 68 Total Payout Ratio is 0.51 as of Jul. 19, 2026. GuruFocus rates FRA:OSB with a GF Score™ of 68/100 and a GF Value™ of €16.31. The stock has 7 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Old Second Bancorp's current Total Payout Ratio is 0.51.

Old Second Bancorp Total Payout Ratio Related Terms

Old Second Bancorp Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Old Second Bancorp's Total 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 Total Payout Ratio Chart

Old Second Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.75 0.14 0.10 0.12 0.25

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
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.21 0.13 0.92 0.13 1.10

FRA:OSB vs HFWA, CCB, UVSP: Total Payout Ratio Comparison

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

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

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


FRA:OSB
68GF Score
Old Second Bancorp Inc FRA:OSB
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Old Second Bancorp Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

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

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-6.33 + 0 + -10.453) / 68.585
=0.24

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

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-21.153 + 0 + -3.188) / 22.131
=1.10

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.51 mean?
Old Second Bancorp (FRA:OSB) has a Total Payout Ratio of 0.51 as of Jul. 19, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Old Second Bancorp and its competitors.
Is Old Second Bancorp's Total Payout Ratio too high?
Old Second Bancorp's current Total Payout Ratio is 0.51. Overall, Old Second Bancorp has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Old Second Bancorp's Total Payout Ratio compare to HFWA and CCB?
Old Second Bancorp's Total Payout Ratio of 0.51 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Old Second Bancorp and its competitors. Old Second Bancorp's current Total Payout Ratio is 0.51. 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?
Old Second Bancorp (FRA:OSB) has a current Total Payout Ratio of 0.51. The stock's GF Value™ is €16.31, compared to a current price of €20.60 — trading 26.3% above its estimated fair value. The current Total Payout Ratio is 0.51. Old Second Bancorp's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Old Second Bancorp (FRA:OSB), the current Total Payout Ratio is 0.51 as of Jul. 19, 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 €20.60 is trading 26.3% above its estimated GF Value™ of €16.31.

Key valuation signals for FRA:OSB:

  • Total Payout Ratio: 0.51
  • GF Value™: €16.31 vs. price of €20.60 (26.3% above fair value)
  • GF Score™: 68/100 with 7 warning signs

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 Business Description

Other Exchanges OSBC:USA
Address 37 South River Street, Aurora, IL, USA, 60507
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.
68GF Score

Get the complete analysis for FRA:OSB

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

€20.60
Price
€16.31
GF Value