OSBC vs. WBS
OSBC (Old Second Bancorp, Inc.) and WBS (Webster Financial 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 11.87%/yr for WBS. At a 0.38 correlation, their price movements are largely independent.
Performance
OSBC vs. WBS - Performance Comparison
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Returns By Period
In the year-to-date period, OSBC achieves a 14.02% return, which is significantly lower than WBS's 22.29% return. Over the past 10 years, OSBC has outperformed WBS with an annualized return of 13.30%, while WBS has yielded a comparatively lower 11.87% 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%
WBS
- 1D
- 0.67%
- 1M
- 6.03%
- YTD
- 22.29%
- 6M
- 18.53%
- 1Y
- 50.13%
- 3Y*
- 31.75%
- 5Y*
- 10.23%
- 10Y*
- 11.87%
OSBC vs. WBS - 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% |
WBS Webster Financial Corporation | 22.29% | 17.31% | 12.48% | 11.48% | -12.51% | 36.63% | -16.87% | 11.54% | -10.38% | 5.51% |
Correlation
The correlation between OSBC and WBS is 0.68, 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 | 0.68 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.69 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.67 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.65 |
Correlation (All Time) Calculated using the full available price history since Aug 18, 1995 | 0.38 |
Over the past year, OSBC and WBS have become more correlated (0.68) than their long-term average of 0.38, meaning their price movements have been converging.
Fundamentals
OSBC:
$2.25
WBS:
$6.28
OSBC:
9.79
WBS:
12.12
OSBC:
0.27
WBS:
1.20
OSBC:
2.04
WBS:
2.85
OSBC:
$412.93M
WBS:
$4.35B
OSBC:
$240.87M
WBS:
$2.06B
OSBC:
$91.93M
WBS:
$1.07B
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Return for Risk
OSBC vs. WBS — Risk / Return Rank
OSBC
WBS
OSBC vs. WBS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Old Second Bancorp, Inc. (OSBC) and Webster Financial Corporation (WBS). 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 | WBS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.72 | ||
| Sortino ratioReturn per unit of downside risk | -1.05 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.37 | -0.13 |
| Calmar ratioReturn relative to maximum drawdown | 2.65 | 3.59 | -0.95 |
| Martin ratioReturn relative to average drawdown | 6.21 | 10.04 | -3.83 |
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Drawdowns
OSBC vs. WBS - Drawdown Comparison
The maximum OSBC drawdown since its inception was -97.67%, roughly equal to the maximum WBS drawdown of -93.72%. Use the drawdown chart below to compare losses from any high point for OSBC and WBS.
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Drawdown Indicators
| OSBC | WBS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.67% | -93.72% | -3.95% |
Max Drawdown (1Y)Largest decline over 1 year | -12.91% | -14.02% | +1.11% |
Max Drawdown (3Y)Largest decline over 3 years | -25.52% | -33.08% | +7.56% |
Max Drawdown (5Y)Largest decline over 5 years | -36.27% | -47.90% | +11.63% |
Max Drawdown (10Y)Largest decline over 10 years | -60.07% | -71.99% | +11.92% |
Current DrawdownCurrent decline from peak | -22.00% | 0.00% | -22.00% |
Average DrawdownAverage peak-to-trough decline | -43.98% | -23.66% | -20.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.49% | 5.01% | +0.48% |
Volatility
OSBC vs. WBS - Volatility Comparison
Old Second Bancorp, Inc. (OSBC) has a higher volatility of 6.77% compared to Webster Financial Corporation (WBS) at 3.74%. This indicates that OSBC's price experiences larger fluctuations and is considered to be riskier than WBS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OSBC | WBS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.77% | 3.74% | +3.03% |
Volatility (6M)Calculated over the trailing 6-month period | 19.03% | 15.41% | +3.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.82% | 25.24% | +1.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.54% | 36.13% | -6.59% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.91% | 39.76% | -4.85% |
Dividends
OSBC vs. WBS - Dividend Comparison
OSBC's dividend yield for the trailing twelve months is around 1.22%, less than WBS's 2.10% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
WBS Webster Financial Corporation | 2.10% | 2.54% | 2.90% | 3.15% | 3.38% | 2.87% | 3.80% | 2.87% | 2.54% | 1.83% | 1.81% | 2.39% |
Financials
OSBC vs. WBS - Financials Comparison
This section allows you to compare key financial metrics between Old Second Bancorp, Inc. and Webster Financial 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
OSBC vs. WBS - 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%.
WBS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Webster Financial Corporation reported a gross profit of 0.00 and revenue of 994.28M. Therefore, the gross margin over that period was 0.0%.
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%.
WBS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Webster Financial Corporation reported an operating income of 0.00 and revenue of 994.28M, resulting in an operating margin of 0.0%.
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%.
WBS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Webster Financial Corporation reported a net income of 246.23M and revenue of 994.28M, resulting in a net margin of 24.8%.
Frequently Asked Questions
OSBC and WBS have a correlation of 0.68, 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 WBS (3.74%). In terms of maximum drawdown, OSBC dropped -97.67% vs WBS's -93.72%.
WBS currently has the higher Sharpe Ratio (2.00 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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