OSBC
Old Second Bancorp, Inc.
Banks - Regional
Market Cap$1.11B
5Y Perf.+173.8%
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Stock Comparison
OSBC vs MVBF
Revenue, margins, valuation, and 5-year total return — side by side.
MVBF
MVB Financial Corp.
Banks - Regional
Market Cap$339M
5Y Perf.+85.8%
OSBC vs MVBF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OSBC | MVBF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.11B | $339M |
| Revenue (TTM) | $397M | $270M |
| Net Income (TTM) | $80M | $27M |
| Gross Margin | 78.1% | 71.7% |
| Operating Margin | 27.9% | 13.6% |
| Forward P/E | 9.7x | 15.2x |
| Total Debt | $339M | $77M |
| Cash & Equiv. | $124M | $244M |
OSBC vs MVBF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OSBC
MVBF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Old Second Bancorp,… (OSBC) | 100 | 273.8 | +173.8% |
| MVB Financial Corp. (MVBF) | 100 | 185.8 | +85.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OSBC vs MVBF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OSBC leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. MVB Financial Corp. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
OSBC
Old Second Bancorp, Inc.
The Banking Pick
OSBC carries the broadest edge in this set and is the clearest fit for long-term compounding and bank quality.
- 219.4% 10Y total return vs MVBF's 135.5%
- NIM 4.2% vs MVBF's 3.2%
- Lower P/E (9.7x vs 15.2x)
Best for: long-term compounding and bank quality
MVBF
MVB Financial Corp.
The Banking Pick
MVBF is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.84, yield 2.5%
- Rev growth 19.0%, EPS growth 34.6%
- Lower volatility, beta 0.84, Low D/E 23.2%, current ratio 0.09x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MVBF | 19.0% NII/revenue growth vs OSBC's 18.1% |
| Value | OSBC | Lower P/E (9.7x vs 15.2x) |
| Quality / Margins | OSBC | Efficiency ratio 0.5% vs MVBF's 0.6% (lower = leaner) |
| Stability / Safety | MVBF | Beta 0.84 vs OSBC's 0.90, lower leverage |
| Dividends | OSBC | 1.1% yield, 7-year raise streak, vs MVBF's 2.5% |
| Momentum (1Y) | MVBF | +53.4% vs OSBC's +30.5% |
| Efficiency (ROA) | OSBC | Efficiency ratio 0.5% vs MVBF's 0.6% |
OSBC vs MVBF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2019
OSBC vs MVBF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOSBCLAGGINGMVBF
MVBFMVB Financial Corp.
2leads
OSBCOld Second Bancorp, I…
2leads
6 Total Categories
CATEGORYLEADERvs MVBFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OSBC5/5
Valuation MetricsMultiples, price ratios, and targets
MVBF4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MVBF5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
OSBC5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
OSBC leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OSBC and MVBF operate at a comparable scale, with $397M and $270M in trailing revenue. OSBC is the more profitable business, keeping 20.2% of every revenue dollar as net income compared to MVBF's 10.0%.
| Metric | OSBCOld Second Bancor… | MVBFMVB Financial Cor… |
|---|---|---|
| RevenueTrailing 12 months | $397M | $270M |
| EBITDAEarnings before interest/tax | $121M | $39M |
| Net IncomeAfter-tax profit | $80M | $27M |
| Free Cash FlowCash after capex | $119M | $2M |
| Gross MarginGross profit ÷ Revenue | +78.1% | +71.7% |
| Operating MarginEBIT ÷ Revenue | +27.9% | +13.6% |
| Net MarginNet income ÷ Revenue | +20.2% | +10.0% |
| FCF MarginFCF ÷ Revenue | +29.7% | +0.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +28.6% | -55.6% |
OSBC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
MVBF leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 12.8x trailing earnings, MVBF trades at a 2% valuation discount to OSBC's 13.0x P/E. On an enterprise value basis, MVBF's 4.7x EV/EBITDA is more attractive than OSBC's 11.0x.
| Metric | OSBCOld Second Bancor… | MVBFMVB Financial Cor… |
|---|---|---|
| Market CapShares × price | $1.1B | $339M |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $172M |
| Trailing P/EPrice ÷ TTM EPS | 13.01x | 12.81x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.71x | 15.23x |
| PEG RatioP/E ÷ EPS growth rate | 1.09x | — |
| EV / EBITDAEnterprise value multiple | 10.97x | 4.67x |
| Price / SalesMarket cap ÷ Revenue | 2.80x | 1.25x |
| Price / BookPrice ÷ Book value/share | 1.26x | 1.04x |
| Price / FCFMarket cap ÷ FCF | 9.43x | 160.42x |
MVBF leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
MVBF leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
OSBC delivers a 10.1% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for MVBF. MVBF carries lower financial leverage with a 0.23x debt-to-equity ratio, signaling a more conservative balance sheet compared to OSBC's 0.38x. On the Piotroski fundamental quality scale (0–9), MVBF scores 7/9 vs OSBC's 3/9, reflecting strong financial health.
| Metric | OSBCOld Second Bancor… | MVBFMVB Financial Cor… |
|---|---|---|
| ROE (TTM)Return on equity | +10.1% | +8.5% |
| ROA (TTM)Return on assets | +1.3% | +0.8% |
| ROICReturn on invested capital | +8.1% | +7.0% |
| ROCEReturn on capital employed | +3.9% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 |
| Debt / EquityFinancial leverage | 0.38x | 0.23x |
| Net DebtTotal debt minus cash | $215M | -$167M |
| Cash & Equiv.Liquid assets | $124M | $244M |
| Total DebtShort + long-term debt | $339M | $77M |
| Interest CoverageEBIT ÷ Interest expense | 1.78x | 0.54x |
MVBF leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
OSBC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OSBC five years ago would be worth $15,775 today (with dividends reinvested), compared to $7,234 for MVBF. Over the past 12 months, MVBF leads with a +53.4% total return vs OSBC's +30.5%. The 3-year compound annual growth rate (CAGR) favors OSBC at 24.2% vs MVBF's 18.2% — a key indicator of consistent wealth creation.
| Metric | OSBCOld Second Bancor… | MVBFMVB Financial Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +8.9% | +4.3% |
| 1-Year ReturnPast 12 months | +30.5% | +53.4% |
| 3-Year ReturnCumulative with dividends | +91.4% | +65.3% |
| 5-Year ReturnCumulative with dividends | +57.8% | -27.7% |
| 10-Year ReturnCumulative with dividends | +219.4% | +135.5% |
| CAGR (3Y)Annualised 3-year return | +24.2% | +18.2% |
OSBC leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — OSBC and MVBF each lead in 1 of 2 comparable metrics.
Risk & Volatility
MVBF is the less volatile stock with a 0.84 beta — it tends to amplify market swings less than OSBC's 0.90 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OSBC currently trades 94.0% from its 52-week high vs MVBF's 89.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OSBCOld Second Bancor… | MVBFMVB Financial Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.90x | 0.84x |
| 52-Week HighHighest price in past year | $22.43 | $29.59 |
| 52-Week LowLowest price in past year | $16.21 | $17.13 |
| % of 52W HighCurrent price vs 52-week peak | +94.0% | +89.2% |
| RSI (14)Momentum oscillator 0–100 | 55.6 | 50.8 |
| Avg Volume (50D)Average daily shares traded | 400K | 34K |
Evenly matched — OSBC and MVBF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — OSBC and MVBF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates OSBC as "Buy" and MVBF as "Buy". Consensus price targets imply 13.7% upside for MVBF (target: $30) vs 12.3% for OSBC (target: $24). For income investors, MVBF offers the higher dividend yield at 2.52% vs OSBC's 1.09%.
| Metric | OSBCOld Second Bancor… | MVBFMVB Financial Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $23.67 | $30.00 |
| # AnalystsCovering analysts | 6 | 7 |
| Dividend YieldAnnual dividend ÷ price | +1.1% | +2.5% |
| Dividend StreakConsecutive years of raises | 7 | 0 |
| Dividend / ShareAnnual DPS | $0.23 | $0.66 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +3.0% |
Evenly matched — OSBC and MVBF each lead in 1 of 2 comparable metrics.
Key Takeaway
OSBC leads in 2 of 6 categories (Income & Cash Flow, Total Returns). MVBF leads in 2 (Valuation Metrics, Profitability & Efficiency). 2 tied.
Best OverallOld Second Bancorp, Inc. (OSBC)Leads 2 of 6 categories
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OSBC vs MVBF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OSBC or MVBF a better buy right now?
For growth investors, MVB Financial Corp.
(MVBF) is the stronger pick with 19. 0% revenue growth year-over-year, versus 18. 1% for Old Second Bancorp, Inc. (OSBC). MVB Financial Corp. (MVBF) offers the better valuation at 12. 8x trailing P/E (15. 2x forward), making it the more compelling value choice. Analysts rate Old Second Bancorp, Inc. (OSBC) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OSBC or MVBF?
On trailing P/E, MVB Financial Corp.
(MVBF) is the cheapest at 12. 8x versus Old Second Bancorp, Inc. at 13. 0x. On forward P/E, Old Second Bancorp, Inc. is actually cheaper at 9. 7x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OSBC or MVBF?
Over the past 5 years, Old Second Bancorp, Inc.
(OSBC) delivered a total return of +57. 8%, compared to -27. 7% for MVB Financial Corp. (MVBF). Over 10 years, the gap is even starker: OSBC returned +219. 4% versus MVBF's +135. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OSBC or MVBF?
By beta (market sensitivity over 5 years), MVB Financial Corp.
(MVBF) is the lower-risk stock at 0. 84β versus Old Second Bancorp, Inc. 's 0. 90β — meaning OSBC is approximately 8% more volatile than MVBF relative to the S&P 500. On balance sheet safety, MVB Financial Corp. (MVBF) carries a lower debt/equity ratio of 23% versus 38% for Old Second Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OSBC or MVBF?
By revenue growth (latest reported year), MVB Financial Corp.
(MVBF) is pulling ahead at 19. 0% versus 18. 1% for Old Second Bancorp, Inc. (OSBC). On earnings-per-share growth, the picture is similar: MVB Financial Corp. grew EPS 34. 6% year-over-year, compared to -13. 4% for Old Second Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OSBC or MVBF?
Old Second Bancorp, Inc.
(OSBC) is the more profitable company, earning 20. 2% net margin versus 10. 0% for MVB Financial Corp. — meaning it keeps 20. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OSBC leads at 27. 9% versus 13. 6% for MVBF. At the gross margin level — before operating expenses — OSBC leads at 78. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OSBC or MVBF more undervalued right now?
On forward earnings alone, Old Second Bancorp, Inc.
(OSBC) trades at 9. 7x forward P/E versus 15. 2x for MVB Financial Corp. — 5. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MVBF: 13. 7% to $30. 00.
08Which pays a better dividend — OSBC or MVBF?
All stocks in this comparison pay dividends.
MVB Financial Corp. (MVBF) offers the highest yield at 2. 5%, versus 1. 1% for Old Second Bancorp, Inc. (OSBC).
09Is OSBC or MVBF better for a retirement portfolio?
For long-horizon retirement investors, MVB Financial Corp.
(MVBF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 84), 2. 5% yield, +135. 5% 10Y return). Both have compounded well over 10 years (MVBF: +135. 5%, OSBC: +219. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OSBC and MVBF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(OSBC: 18.1% · MVBF: 19.0%)Net Margin>
%
(OSBC: 20.2% · MVBF: 10.0%)P/E Ratio<
x
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