EFSC vs. OSBC

Last updated Jun 4, 2026

EFSC (Enterprise Financial Services Corp) and OSBC (Old Second Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, EFSC returned 9.39%/yr vs 12.45%/yr for OSBC. At a 0.42 correlation, their price movements are largely independent.

Performance

EFSC vs. OSBC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Enterprise Financial Services Corp (EFSC) and Old Second Bancorp, Inc. (OSBC). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with EFSC having a 9.91% return and OSBC slightly higher at 10.30%. Over the past 10 years, EFSC has underperformed OSBC with an annualized return of 9.39%, while OSBC has yielded a comparatively higher 12.45% annualized return.

EFSC

• 1D: -2.91%
• 1M: 1.50%
• YTD: 9.91%
• 6M: 6.86%
• 1Y: 14.20%
• 3Y*: 14.12%
• 5Y*: 5.70%
• 10Y*: 9.39%

OSBC

• 1D: 1.38%
• 1M: 2.74%
• YTD: 10.30%
• 6M: 13.62%
• 1Y: 31.54%
• 3Y*: 19.79%
• 5Y*: 10.53%
• 10Y*: 12.45%

*Multi-year figures are annualized to reflect compound growth (CAGR)

EFSC vs. OSBC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
EFSC Enterprise Financial Services Corp	9.91%	-2.14%	29.29%	-6.64%	6.02%	36.90%	-25.74%	29.99%	-15.86%	6.10%
OSBC Old Second Bancorp, Inc.	10.30%	11.25%	16.69%	-2.37%	29.23%	26.26%	-24.70%	3.93%	-4.50%	23.95%

Correlation

The correlation between EFSC and OSBC is 0.80, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.80
Correlation (3Y) Calculated over the trailing 3-year period	0.75
Correlation (5Y) Calculated over the trailing 5-year period	0.73
Correlation (10Y) Calculated over the trailing 10-year period	0.68
Correlation (All Time) Calculated using the full available price history since Jul 16, 2003	0.42

Over the past year, EFSC and OSBC have become more correlated (0.80) than their long-term average of 0.42, meaning their price movements have been converging.

Fundamentals

EPS EFSC : $5.39 OSBC : $2.25
PE Ratio EFSC : 10.95 OSBC : 9.48
PEG Ratio EFSC : 1.12 OSBC : 0.26
PS Ratio EFSC : 2.30 OSBC : 1.97
Total Revenue (TTM) EFSC : $954.93M OSBC : $412.93M
Gross Profit (TTM) EFSC : $670.18M OSBC : $240.87M
EBITDA (TTM) EFSC : $290.91M OSBC : $91.93M

Return for Risk

EFSC vs. OSBC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

EFSC

EFSC Risk / Return Rank: 57
EFSC Sharpe Ratio Rank: 60
EFSC Sortino Ratio Rank: 54
EFSC Omega Ratio Rank: 52
EFSC Calmar Ratio Rank: 60
EFSC Martin Ratio Rank: 60

OSBC

OSBC Risk / Return Rank: 73
OSBC Sharpe Ratio Rank: 75
OSBC Sortino Ratio Rank: 68
OSBC Omega Ratio Rank: 69
OSBC Calmar Ratio Rank: 77
OSBC Martin Ratio Rank: 77

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

EFSC vs. OSBC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Enterprise Financial Services Corp (EFSC) and Old Second Bancorp, Inc. (OSBC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	EFSC	OSBC	Difference
Sharpe ratio Return per unit of total volatility	0.58	1.19	-0.61
Sortino ratio Return per unit of downside risk	0.98	1.70	-0.71
Omega ratio Gain probability vs. loss probability	1.12	1.22	-0.11
Calmar ratio Return relative to maximum drawdown	0.93	2.40	-1.47
Martin ratio Return relative to average drawdown	1.92	5.64	-3.72
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

EFSC vs. OSBC - Sharpe Ratio Comparison

The current EFSC Sharpe Ratio is 0.58, which is lower than the OSBC Sharpe Ratio of 1.19. The chart below compares the historical Sharpe Ratios of EFSC and OSBC, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	EFSC	OSBC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.58	1.19	-0.61
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.20	0.36	-0.16
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.29	0.36	-0.07
Sharpe Ratio (All Time) Calculated using the full available price history	0.20	0.11	+0.10

Drawdowns

EFSC vs. OSBC - Drawdown Comparison

The maximum EFSC drawdown since its inception was -77.62%, smaller than the maximum OSBC drawdown of -97.67%. Use the drawdown chart below to compare losses from any high point for EFSC and OSBC.

Drawdown Indicators

	EFSC	OSBC	Difference
Max Drawdown Largest peak-to-trough decline	-77.62%	-97.67%	+20.05%
Max Drawdown (1Y) Largest decline over 1 year	-15.28%	-12.91%	-2.37%
Max Drawdown (3Y) Largest decline over 3 years	-25.03%	-25.52%	+0.49%
Max Drawdown (5Y) Largest decline over 5 years	-38.76%	-36.27%	-2.49%
Max Drawdown (10Y) Largest decline over 10 years	-57.17%	-60.07%	+2.90%
Current Drawdown Current decline from peak	-4.02%	-24.54%	+20.52%
Average Drawdown Average peak-to-trough decline	-27.01%	-44.02%	+17.01%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.42%	5.49%	+1.93%

Volatility

EFSC vs. OSBC - Volatility Comparison

Enterprise Financial Services Corp (EFSC) has a higher volatility of 6.23% compared to Old Second Bancorp, Inc. (OSBC) at 5.45%. This indicates that EFSC's price experiences larger fluctuations and is considered to be riskier than OSBC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	EFSC	OSBC	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.23%	5.45%	+0.78%
Volatility (6M) Calculated over the trailing 6-month period	17.29%	18.65%	-1.36%
Volatility (1Y) Calculated over the trailing 1-year period	24.55%	26.52%	-1.97%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.87%	29.64%	-0.77%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	33.01%	34.87%	-1.86%

Dividends

EFSC vs. OSBC - Dividend Comparison

EFSC's dividend yield for the trailing twelve months is around 2.14%, more than OSBC's 1.26% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
EFSC Enterprise Financial Services Corp	2.14%	2.26%	1.88%	2.24%	1.84%	1.59%	2.06%	1.29%	1.25%	0.97%	0.95%	0.93%
OSBC Old Second Bancorp, Inc.	1.26%	1.28%	1.18%	1.30%	1.25%	1.27%	0.40%	0.30%	0.31%	0.29%	0.27%	0.00%

Financials

EFSC vs. OSBC - Profitability Comparison

The chart below illustrates the profitability comparison between Enterprise Financial Services Corp and Old Second Bancorp, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

EFSC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported a gross profit of 177.99M and revenue of 244.18M. Therefore, the gross margin over that period was 72.9%.

OSBC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Old Second Bancorp, Inc. reported a gross profit of 0.00 and revenue of 98.35M. Therefore, the gross margin over that period was 0.0%.

EFSC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported an operating income of 62.86M and revenue of 244.18M, resulting in an operating margin of 25.7%.

OSBC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Old Second Bancorp, Inc. reported an operating income of 0.00 and revenue of 98.35M, resulting in an operating margin of 0.0%.

EFSC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Enterprise Financial Services Corp reported a net income of 49.36M and revenue of 244.18M, resulting in a net margin of 20.2%.

OSBC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Old Second Bancorp, Inc. reported a net income of 25.59M and revenue of 98.35M, resulting in a net margin of 26.0%.

Frequently Asked Questions

Can I hold both EFSC and OSBC in my portfolio?

EFSC and OSBC have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, EFSC or OSBC?

EFSC has higher volatility (6.23%) compared to OSBC (5.45%). In terms of maximum drawdown, EFSC dropped -77.62% vs OSBC's -97.67%.

Which has better risk-adjusted returns?

OSBC currently has the higher Sharpe Ratio (1.19 vs 0.58), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.