OSBC vs. EFSC
OSBC (Old Second Bancorp, Inc.) and EFSC (Enterprise Financial Services Corp) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, OSBC returned 14.15%/yr vs 10.70%/yr for EFSC. Their 0.42 correlation means their historical movements had little consistent relationship.
Performance
OSBC vs. EFSC - Performance Comparison
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Returns By Period
In the year-to-date period, OSBC achieves a 30.95% return, which is significantly higher than EFSC's 24.21% return. Over the past 10 years, OSBC has outperformed EFSC with an annualized return of 14.15%, while EFSC has yielded a comparatively lower 10.70% annualized return.
OSBC
- 1D
- 0.08%
- 1M
- 9.17%
- 6M
- 28.26%
- YTD
- 30.95%
- 1Y
- 54.52%
- 3Y*
- 17.38%
- 5Y*
- 18.54%
- 10Y*
- 14.15%
- ALL TIME*
- 5.41%
EFSC
- 1D
- 0.55%
- 1M
- 0.78%
- 6M
- 16.96%
- YTD
- 24.21%
- 1Y
- 26.00%
- 3Y*
- 19.81%
- 5Y*
- 10.63%
- 10Y*
- 10.70%
- ALL TIME*
- 8.75%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $17.50M | $15.29M | $15.87M | |
| $11.96M | $10.46M | $9.01M |
OSBC vs. EFSC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
OSBC Old Second Bancorp, Inc. | 30.95% | 11.25% | 16.69% | -2.37% | 29.23% | 26.26% | -24.70% | 3.93% | -4.50% | 23.95% |
EFSC Enterprise Financial Services Corp | 24.21% | -2.14% | 29.29% | -6.64% | 6.02% | 36.90% | -25.74% | 29.99% | -15.86% | 6.10% |
Correlation
The correlation between OSBC and EFSC is 0.81, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.81 |
Correlation (3Y) Balances recent behavior with more history. | 0.77 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.73 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.69 |
Correlation (All Time) Calculated using the full available price history since Jul 15, 2003 | 0.42 |
Over the past year, OSBC and EFSC have become more correlated (0.81) than their long-term average of 0.42, meaning their price movements have been converging.
Fundamentals
OSBC:
$1.30B
EFSC:
$2.40B
OSBC:
$1.74
EFSC:
$5.13
OSBC:
14.54
EFSC:
12.93
OSBC:
0.41
EFSC:
1.32
OSBC:
3.04
EFSC:
2.49
OSBC:
1.47
EFSC:
1.24
OSBC:
$442.28M
EFSC:
$988.36M
OSBC:
$254.19M
EFSC:
$698.48M
OSBC:
$96.42M
EFSC:
$283.59M
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Return for Risk
OSBC vs. EFSC — Risk / Return Rank
OSBC
EFSC
OSBC vs. EFSC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Old Second Bancorp, Inc. (OSBC) and Enterprise Financial Services Corp (EFSC). 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 | EFSC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.03 | ||
| Sortino ratioReturn per unit of downside risk | +1.09 | ||
| Omega ratioGain probability vs. loss probability | 1.35 | 1.18 | +0.17 |
| Calmar ratioReturn relative to maximum drawdown | 4.70 | 1.50 | +3.19 |
| Martin ratioReturn relative to average drawdown | 11.46 | 3.14 | +8.33 |
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Drawdowns
OSBC vs. EFSC - Drawdown Comparison
The maximum OSBC drawdown since its inception was -97.67%, which is greater than EFSC's maximum drawdown of -77.62%. Use the drawdown chart below to compare losses from any high point for OSBC and EFSC.
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Drawdown Indicators
| OSBC | EFSC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.67% | -77.62% | -20.05% |
Max Drawdown (1Y)Largest decline over 1 year | -10.93% | -15.28% | +4.35% |
Max Drawdown (3Y)Largest decline over 3 years | -25.52% | -25.03% | -0.49% |
Max Drawdown (5Y)Largest decline over 5 years | -36.27% | -38.76% | +2.49% |
Max Drawdown (10Y)Largest decline over 10 years | -60.07% | -57.17% | -2.90% |
Current DrawdownCurrent decline from peak | -10.41% | -3.23% | -7.18% |
Average DrawdownAverage peak-to-trough decline | -43.88% | -26.83% | -17.05% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.47% | 7.31% | -2.84% |
Volatility
OSBC vs. EFSC - Volatility Comparison
Old Second Bancorp, Inc. (OSBC) and Enterprise Financial Services Corp (EFSC) have volatilities of 5.86% and 6.03%, 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 | EFSC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.86% | 6.03% | -0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 16.50% | 16.29% | +0.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.14% | 24.41% | +1.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.43% | 28.65% | +0.78% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.78% | 33.00% | +1.78% |
Dividends
OSBC vs. EFSC - Dividend Comparison
OSBC's dividend yield for the trailing twelve months is around 1.11%, less than EFSC's 1.96% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
EFSC Enterprise Financial Services Corp | 1.96% | 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. | 1.11% | 1.28% | 1.18% | 1.30% | 1.25% | 1.27% | 0.40% | 0.30% | 0.31% | 0.29% | 0.27% | 0.00% |
Financials
OSBC vs. EFSC - Financials Comparison
This section allows you to compare key financial metrics between Old Second Bancorp, Inc. and Enterprise Financial Services Corp. 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. EFSC - Profitability Comparison
OSBC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Old Second Bancorp, Inc. reported a gross profit of 0.00 and revenue of 101.19M. Therefore, the gross margin over that period was 0.0%.
EFSC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Enterprise Financial Services Corp reported a gross profit of 167.98M and revenue of 242.79M. Therefore, the gross margin over that period was 69.2%.
OSBC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Old Second Bancorp, Inc. reported an operating income of 0.00 and revenue of 101.19M, resulting in an operating margin of 0.0%.
EFSC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Enterprise Financial Services Corp reported an operating income of 52.25M and revenue of 242.79M, resulting in an operating margin of 21.5%.
OSBC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Old Second Bancorp, Inc. reported a net income of 28.18M and revenue of 101.19M, resulting in a net margin of 27.9%.
EFSC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Enterprise Financial Services Corp reported a net income of 40.93M and revenue of 242.79M, resulting in a net margin of 16.9%.
Frequently Asked Questions
OSBC and EFSC 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.
EFSC has higher volatility (6.03%) compared to OSBC (5.86%). In terms of maximum drawdown, OSBC dropped -97.67% vs EFSC's -77.62%.
OSBC currently has the higher Sharpe Ratio (1.97 vs 0.94), 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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