OSBC vs. AX
OSBC (Old Second Bancorp, Inc.) and AX (Axos Financial, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, OSBC returned 13.17%/yr vs 13.85%/yr for AX. A 0.67 correlation means they provide meaningful diversification when combined.
Performance
OSBC vs. AX - Performance Comparison
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Returns By Period
In the year-to-date period, OSBC achieves a 14.02% return, which is significantly higher than AX's 2.74% return.
OSBC
- 1D
- 0.87%
- 1M
- 4.74%
- YTD
- 14.02%
- 6M
- 8.35%
- 1Y
- 34.02%
- 3Y*
- 20.60%
- 5Y*
- 13.17%
- 10Y*
- 13.30%
AX
- 1D
- 0.51%
- 1M
- 2.85%
- YTD
- 2.74%
- 6M
- -0.41%
- 1Y
- 22.88%
- 3Y*
- 34.18%
- 5Y*
- 13.85%
- 10Y*
- —
OSBC vs. AX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
OSBC Old Second Bancorp, Inc. | 14.02% | 11.25% | 16.69% | -2.37% | 29.23% | 26.26% | -24.70% | 3.93% | -15.80% |
AX Axos Financial, Inc. | 2.74% | 23.35% | 27.93% | 42.86% | -31.64% | 48.97% | 23.94% | 20.25% | -27.83% |
Correlation
The correlation between OSBC and AX is 0.69, 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 | 0.69 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.69 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.67 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2018 | 0.67 |
The correlation between OSBC and AX has been stable across timeframes, ranging from 0.67 to 0.69 - a consistent structural relationship.
Fundamentals
OSBC:
$2.25
AX:
$8.22
OSBC:
9.79
AX:
10.78
OSBC:
0.27
AX:
0.49
OSBC:
2.04
AX:
10.70
OSBC:
$412.93M
AX:
$479.42M
OSBC:
$240.87M
AX:
$302.17M
OSBC:
$91.93M
AX:
$826.17M
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Return for Risk
OSBC vs. AX — Risk / Return Rank
OSBC
AX
OSBC vs. AX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Old Second Bancorp, Inc. (OSBC) and Axos Financial, Inc. (AX). 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.
| OSBC | AX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.56 | ||
| Sortino ratioReturn per unit of downside risk | +0.67 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.16 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.65 | 1.21 | +1.44 |
| Martin ratioReturn relative to average drawdown | 6.21 | 2.39 | +3.82 |
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Drawdowns
OSBC vs. AX - Drawdown Comparison
The maximum OSBC drawdown since its inception was -97.67%, which is greater than AX's maximum drawdown of -59.57%. Use the drawdown chart below to compare losses from any high point for OSBC and AX.
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Drawdown Indicators
| OSBC | AX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.67% | -59.57% | -38.10% |
Max Drawdown (1Y)Largest decline over 1 year | -12.91% | -19.04% | +6.13% |
Max Drawdown (3Y)Largest decline over 3 years | -25.52% | -34.92% | +9.40% |
Max Drawdown (5Y)Largest decline over 5 years | -36.27% | -46.31% | +10.04% |
Max Drawdown (10Y)Largest decline over 10 years | -60.07% | — | — |
Current DrawdownCurrent decline from peak | -22.00% | -12.37% | -9.63% |
Average DrawdownAverage peak-to-trough decline | -43.98% | -20.51% | -23.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.49% | 9.61% | -4.12% |
Volatility
OSBC vs. AX - Volatility Comparison
Old Second Bancorp, Inc. (OSBC) and Axos Financial, Inc. (AX) have volatilities of 6.77% and 6.48%, 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
| OSBC | AX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.77% | 6.48% | +0.29% |
Volatility (6M)Calculated over the trailing 6-month period | 19.03% | 24.17% | -5.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.82% | 32.17% | -5.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.54% | 40.68% | -11.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.91% | 44.10% | -9.19% |
Dividends
OSBC vs. AX - Dividend Comparison
OSBC's dividend yield for the trailing twelve months is around 1.22%, while AX has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
AX Axos Financial, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
OSBC Old Second Bancorp, Inc. | 1.22% | 1.28% | 1.18% | 1.30% | 1.25% | 1.27% | 0.40% | 0.30% | 0.31% | 0.29% | 0.27% |
Financials
OSBC vs. AX - Financials Comparison
This section allows you to compare key financial metrics between Old Second Bancorp, Inc. and Axos Financial, 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
OSBC vs. AX - Profitability Comparison
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%.
AX - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Axos Financial, Inc. reported a gross profit of -657.74M and revenue of -1.06B. Therefore, the gross margin over that period was 62.2%.
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%.
AX - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Axos Financial, Inc. reported an operating income of -325.40M and revenue of -1.06B, resulting in an operating margin of 30.8%.
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%.
AX - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Axos Financial, Inc. reported a net income of 124.68M and revenue of -1.06B, resulting in a net margin of -11.8%.
Frequently Asked Questions
OSBC and AX have a correlation of 0.69, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OSBC has higher volatility (6.77%) compared to AX (6.48%). In terms of maximum drawdown, OSBC dropped -97.67% vs AX's -59.57%.
OSBC currently has the higher Sharpe Ratio (1.28 vs 0.72), 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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