OSBC vs. FUNC
OSBC (Old Second Bancorp, Inc.) and FUNC (First United Corporation) 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 18.58%/yr for FUNC. At a 0.14 correlation, their price movements are largely independent.
Performance
OSBC vs. FUNC - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with OSBC having a 14.02% return and FUNC slightly higher at 14.39%. Over the past 10 years, OSBC has underperformed FUNC with an annualized return of 13.30%, while FUNC has yielded a comparatively higher 18.58% 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%
FUNC
- 1D
- -0.78%
- 1M
- 13.73%
- YTD
- 14.39%
- 6M
- 7.63%
- 1Y
- 53.10%
- 3Y*
- 44.64%
- 5Y*
- 22.55%
- 10Y*
- 18.58%
OSBC vs. FUNC - 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% |
FUNC First United Corporation | 14.39% | 14.29% | 48.25% | 25.24% | 8.04% | 25.12% | -33.27% | 54.43% | -7.20% | 9.09% |
Correlation
The correlation between OSBC and FUNC 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 | 0.56 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.42 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Aug 18, 1995 | 0.14 |
Over the past year, OSBC and FUNC have become more correlated (0.69) than their long-term average of 0.14, meaning their price movements have been converging.
Fundamentals
OSBC:
$2.25
FUNC:
$5.20
OSBC:
9.79
FUNC:
8.13
OSBC:
0.27
FUNC:
0.68
OSBC:
2.04
FUNC:
2.28
OSBC:
$412.93M
FUNC:
$90.53M
OSBC:
$240.87M
FUNC:
$63.80M
OSBC:
$91.93M
FUNC:
$31.63M
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Return for Risk
OSBC vs. FUNC — Risk / Return Rank
OSBC
FUNC
OSBC vs. FUNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Old Second Bancorp, Inc. (OSBC) and First United Corporation (FUNC). 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 | FUNC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.55 | ||
| Sortino ratioReturn per unit of downside risk | -0.91 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.34 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.65 | 3.84 | -1.19 |
| Martin ratioReturn relative to average drawdown | 6.21 | 8.19 | -1.98 |
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Drawdowns
OSBC vs. FUNC - Drawdown Comparison
The maximum OSBC drawdown since its inception was -97.67%, which is greater than FUNC's maximum drawdown of -85.84%. Use the drawdown chart below to compare losses from any high point for OSBC and FUNC.
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Drawdown Indicators
| OSBC | FUNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.67% | -85.84% | -11.83% |
Max Drawdown (1Y)Largest decline over 1 year | -12.91% | -13.90% | +0.99% |
Max Drawdown (3Y)Largest decline over 3 years | -25.52% | -37.76% | +12.24% |
Max Drawdown (5Y)Largest decline over 5 years | -36.27% | -44.90% | +8.63% |
Max Drawdown (10Y)Largest decline over 10 years | -60.07% | -54.91% | -5.16% |
Current DrawdownCurrent decline from peak | -22.00% | -0.78% | -21.22% |
Average DrawdownAverage peak-to-trough decline | -43.98% | -30.94% | -13.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.49% | 6.50% | -1.01% |
Volatility
OSBC vs. FUNC - Volatility Comparison
The current volatility for Old Second Bancorp, Inc. (OSBC) is 6.77%, while First United Corporation (FUNC) has a volatility of 7.94%. This indicates that OSBC experiences smaller price fluctuations and is considered to be less risky than FUNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OSBC | FUNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.77% | 7.94% | -1.17% |
Volatility (6M)Calculated over the trailing 6-month period | 19.03% | 18.27% | +0.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.82% | 29.21% | -2.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.54% | 29.69% | -0.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.91% | 32.76% | +2.15% |
Dividends
OSBC vs. FUNC - Dividend Comparison
OSBC's dividend yield for the trailing twelve months is around 1.22%, less than FUNC's 2.37% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
FUNC First United Corporation | 2.37% | 2.46% | 2.43% | 3.32% | 3.05% | 3.09% | 3.35% | 1.66% | 1.70% | 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. FUNC - Financials Comparison
This section allows you to compare key financial metrics between Old Second Bancorp, Inc. and First United Corporation. 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
Frequently Asked Questions
OSBC and FUNC 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.
FUNC has higher volatility (7.94%) compared to OSBC (6.77%). In terms of maximum drawdown, OSBC dropped -97.67% vs FUNC's -85.84%.
FUNC currently has the higher Sharpe Ratio (1.83 vs 1.28), 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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