Trailing Dividend / Share
$0.23
Old Second Bancorp, Inc. (OSBC) Dividend History
Income profile from 1993 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.0%
Payout Ratio
15.2%
Sustainable
Dividend Streak
2 years
OSBC Dividend Income Check
Safety
15.2% payout ratio with sustainable safety profile.
Consistency
2 straight years of dividend increases.
Income Trend
Yield on cost is 2.5% and trend is rising.
OSBC Dividend Scorecard
Yield & Income
Dividend Yield1.0%
Trailing DPS$0.23
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout15.2%
Earnings SafetySustainable
FCF Payout10.1%
FCF SafetyWell Covered
Piotroski F-Score3/9
Growth
Growth Streak2 years
3Y CAGR7.7%
5Y CAGR44.3%
Yield on Cost (5Y)2.5%
YOC Trendrising
Total Returns
Buyback Yield0.6%
Total Shareholder Yield1.7%
1Y Total Return32.8%
5Y Total Return86.2%
Div Contribution (5Y)8.9%
Estimated $10K growth (return + dividends):
5Y ago$18,61510Y ago$32,58120Y ago$8,070
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
OSBC Income Growth Story
Dividend per share and yield on cost over time (29 years of payments)
OSBC Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Old Second Bancorp, Inc. distributes 15.2% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 10.1%, rated "Well Covered".
Piotroski F-Score: 3/9 — weak financial health.
Growth Track Record
OSBC has raised its dividend for 2 consecutive years, with a 3-year CAGR of 7.7% and 5-year CAGR of 44.3%.
Total Shareholder Returns
Beyond cash dividends, OSBC returns capital through share repurchases. The combined picture: 1.0% dividend yield, 0.6% buyback yield, 1.7% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 2.5% and is currently rising. The 5-year total return is 86.2%, with dividends contributing 8.9% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $32,581 today.
OSBC Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$1.10
Avg/Payment$0.0550
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 1, 2026Latest | $0.0700 | — | 1.30% | May 11, 2026 |
| Jan 30, 2026 | $0.0700 | — | 1.31% | Feb 9, 2026 |
| Oct 31, 2025 | $0.0700 | ↑ +16.7% | 1.39% | Nov 10, 2025 |
| Jul 25, 2025 | $0.0600 | — | 1.34% | Aug 4, 2025 |
| Apr 25, 2025 | $0.0600 | — | 1.48% | May 5, 2025 |
| Jan 31, 2025 | $0.0600 | — | 1.17% | Feb 10, 2025 |
| Oct 25, 2024 | $0.0600 | ↑ +20.0% | 1.28% | Nov 4, 2024 |
| Jul 26, 2024 | $0.0500 | — | 1.17% | Aug 5, 2024 |
OSBC Dividend vs Peers
Comparable companies in the same industry
#9 yield in peer group
Div Yield
1.0%
#9 of 9
Safety
Sustainable
15.2% payout
Streak
2Y
44.3% 5Y CAGR
Total Shareholder
1.7%
#8 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| OSBCOld Second Bancorp, … | $1.2B | 1.0% | 15.2% | 2 | Sustainable |
2nd  MBWMMercantile Bank Corp… | $932M | 2.7% | 27.0% | 13 | Sustainable |
 MOFGMidWestOne Financial… | $1.0B | 2.0% | — | 0 | Unknown |
3rd  CFFIC&F Financial Corpor… | $247M | 2.4% | 22.2% | 1 | Sustainable |
 CZWICitizens Community B… | $213M | 1.7% | 25.0% | 6 | Sustainable |
 MVBFMVB Financial Corp. | $357M | 2.4% | 32.3% | 0 | Sustainable |
1st  IBCPIndependent Bank Cor… | $704M | 3.0% | 31.5% | 11 | Sustainable |
 FFINFirst Financial Bank… | $4.7B | 2.2% | 41.8% | 15 | Sustainable |
 BANFBancFirst Corporatio… | $3.8B | 1.6% | 25.9% | 30 | Sustainable |
OSBC Annual Dividend History (1993–2026)
34 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.14 | — | 2 | — | — | — | 1.4% |
| 2025 | $0.25 | 19.0% | 4 | $1.62 | 15.4% | 6.48x | 2.5% |
| 2024 | $0.21 | 5.0% | 4 | $1.87 | 11.2% | 8.90x | 2.1% |
| 2023 | $0.20 | 0.0% | 4 | $2.02 | 9.9% | 10.10x | 2.0% |
| 2022 | $0.20 | 25.0% | 4 | $1.49 | 13.4% | 7.45x | 2.0% |
| 2021 | $0.16 | 300.0% | 4 | $0.65 | 24.6% | 4.06x | 1.6% |
| 2020 | $0.04 | 0.0% | 4 | $0.92 | 4.3% | 23.00x | 0.4% |
| 2019 | $0.04 | 0.0% | 4 | $1.30 | 3.1% | 32.50x | 0.4% |
| 2018 | $0.04 | 0.0% | 4 | $1.12 | 3.6% | 28.00x | 0.4% |
| 2017 | $0.04 | 33.3% | 4 | $0.50 | 8.0% | 12.50x | 0.4% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
33+ years return with dividends reinvested.
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DCA Calculator
See how regular investing compounds over time.
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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OSBC — Frequently Asked Questions
Quick answers to the most common questions about buying OSBC stock.
How much dividend does OSBC pay per share?
Old Second Bancorp, Inc. (OSBC) pays a trailing 12-month dividend of $0.23 per share, with a current dividend yield of +1.0%. Payments are made Semi-Annual.
When is OSBC's next ex-dividend date?
OSBC's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. OSBC typically pays dividends Semi-Annual.
Is OSBC's dividend safe?
OSBC's dividend safety is rated "Sustainable" based on an earnings payout ratio of +15.2% and FCF payout ratio of +10.1%. The 2-year growth streak provides moderate confidence.
How many years has OSBC increased its dividend?
OSBC has 2 consecutive years of dividend growth. The 5-year dividend CAGR is +44.3%.
How often does OSBC pay dividends?
Old Second Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.23 per share. Dividend data on this page covers 33+ years from 1993 to 2026.
How much would $10,000 invested in OSBC grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in OSBC five years ago would be worth approximately $18,615 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is OSBC's yield on cost for long-term holders?
OSBC's yield on cost — the current dividend divided by the original purchase price — is +2.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.0% market yield, thanks to consistent dividend growth.