EFSC vs. OSBC
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 11.30%/yr vs 13.55%/yr for OSBC. At a 0.42 correlation, their price movements are largely independent.
Performance
EFSC vs. OSBC - Performance Comparison
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Returns By Period
In the year-to-date period, EFSC achieves a 21.14% return, which is significantly higher than OSBC's 16.55% return. Over the past 10 years, EFSC has underperformed OSBC with an annualized return of 11.30%, while OSBC has yielded a comparatively higher 13.55% annualized return.
EFSC
- 1D
- 2.21%
- 1M
- 6.88%
- YTD
- 21.14%
- 6M
- 18.08%
- 1Y
- 22.00%
- 3Y*
- 21.14%
- 5Y*
- 8.55%
- 10Y*
- 11.30%
OSBC
- 1D
- 2.22%
- 1M
- 7.07%
- YTD
- 16.55%
- 6M
- 12.62%
- 1Y
- 33.17%
- 3Y*
- 21.48%
- 5Y*
- 13.17%
- 10Y*
- 13.55%
EFSC vs. OSBC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
EFSC Enterprise Financial Services Corp | 21.14% | -2.14% | 29.29% | -6.64% | 6.02% | 36.90% | -25.74% | 29.99% | -15.86% | 6.10% |
OSBC Old Second Bancorp, Inc. | 16.55% | 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 0.81, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.81 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.76 |
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 15, 2003 | 0.42 |
Over the past year, EFSC and OSBC have become more correlated (0.81) than their long-term average of 0.42, meaning their price movements have been converging.
Fundamentals
EFSC:
$5.39
OSBC:
$2.25
EFSC:
12.00
OSBC:
10.01
EFSC:
1.23
OSBC:
0.28
EFSC:
2.52
OSBC:
2.09
EFSC:
$954.93M
OSBC:
$412.93M
EFSC:
$670.18M
OSBC:
$240.87M
EFSC:
$290.91M
OSBC:
$91.93M
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Return for Risk
EFSC vs. OSBC — Risk / Return Rank
EFSC
OSBC
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| EFSC | OSBC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.35 | ||
| Sortino ratioReturn per unit of downside risk | -0.35 | ||
| Omega ratioGain probability vs. loss probability | 1.17 | 1.23 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | 1.45 | 2.58 | -1.13 |
| Martin ratioReturn relative to average drawdown | 2.98 | 6.05 | -3.07 |
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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.
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Drawdown Indicators
| EFSC | OSBC | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | 0.00% | -20.27% | +20.27% |
Average DrawdownAverage peak-to-trough decline | -26.94% | -43.98% | +17.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.41% | 5.49% | +1.92% |
Volatility
EFSC vs. OSBC - Volatility Comparison
Enterprise Financial Services Corp (EFSC) and Old Second Bancorp, Inc. (OSBC) have volatilities of 6.88% and 7.05%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| EFSC | OSBC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.88% | 7.05% | -0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 17.44% | 19.13% | -1.69% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.65% | 26.85% | -2.20% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 28.82% | 29.55% | -0.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 33.01% | 34.90% | -1.89% |
Dividends
EFSC vs. OSBC - Dividend Comparison
EFSC's dividend yield for the trailing twelve months is around 2.01%, more than OSBC's 1.20% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
EFSC Enterprise Financial Services Corp | 2.01% | 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. | 1.20% | 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 - Financials Comparison
This section allows you to compare key financial metrics between Enterprise Financial Services Corp and Old Second Bancorp, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
EFSC vs. OSBC - Profitability Comparison
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
EFSC and OSBC have a correlation of 0.81, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OSBC has higher volatility (7.05%) compared to EFSC (6.88%). In terms of maximum drawdown, EFSC dropped -77.62% vs OSBC's -97.67%.
OSBC currently has the higher Sharpe Ratio (1.25 vs 0.90), 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.
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