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 13.30%/yr vs 11.06%/yr for EFSC. At a 0.42 correlation, their price movements are largely independent.
Performance
OSBC vs. EFSC - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, OSBC achieves a 14.02% return, which is significantly lower than EFSC's 18.52% return. Over the past 10 years, OSBC has outperformed EFSC with an annualized return of 13.30%, while EFSC has yielded a comparatively lower 11.06% annualized 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%
EFSC
- 1D
- 1.87%
- 1M
- 4.57%
- YTD
- 18.52%
- 6M
- 14.28%
- 1Y
- 22.48%
- 3Y*
- 20.26%
- 5Y*
- 8.33%
- 10Y*
- 11.06%
OSBC vs. EFSC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
OSBC Old Second Bancorp, Inc. | 14.02% | 11.25% | 16.69% | -2.37% | 29.23% | 26.26% | -24.70% | 3.93% | -4.50% | 23.95% |
EFSC Enterprise Financial Services Corp | 18.52% | -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, 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, 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:
$2.25
EFSC:
$5.39
OSBC:
9.79
EFSC:
11.74
OSBC:
0.27
EFSC:
1.20
OSBC:
2.04
EFSC:
2.47
OSBC:
$412.93M
EFSC:
$954.93M
OSBC:
$240.87M
EFSC:
$670.18M
OSBC:
$91.93M
EFSC:
$290.91M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
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 | +0.36 | ||
| Sortino ratioReturn per unit of downside risk | +0.36 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.18 | +0.06 |
| Calmar ratioReturn relative to maximum drawdown | 2.65 | 1.48 | +1.17 |
| Martin ratioReturn relative to average drawdown | 6.21 | 3.04 | +3.16 |
Loading charts...
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.
Loading charts...
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 | -12.91% | -15.28% | +2.37% |
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 | -22.00% | -0.91% | -21.09% |
Average DrawdownAverage peak-to-trough decline | -43.98% | -26.95% | -17.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.49% | 7.41% | -1.92% |
Volatility
OSBC vs. EFSC - Volatility Comparison
Old Second Bancorp, Inc. (OSBC) and Enterprise Financial Services Corp (EFSC) have volatilities of 6.77% and 6.60%, 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.
Loading charts...
Volatility by Period
| OSBC | EFSC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.77% | 6.60% | +0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 19.03% | 17.34% | +1.69% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.82% | 24.61% | +2.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.54% | 28.81% | +0.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.91% | 33.03% | +1.88% |
Dividends
OSBC vs. EFSC - Dividend Comparison
OSBC's dividend yield for the trailing twelve months is around 1.22%, less than EFSC's 2.05% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
EFSC Enterprise Financial Services Corp | 2.05% | 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. | 1.22% | 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 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 - 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 - 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 - 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 - 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%.
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%.
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.
OSBC has higher volatility (6.77%) compared to EFSC (6.60%). In terms of maximum drawdown, OSBC dropped -97.67% vs EFSC's -77.62%.
OSBC currently has the higher Sharpe Ratio (1.28 vs 0.92), 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.
Find the right allocation for OSBC and EFSC
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer