Amalgamated Financial Corp. (AMAL) vs Old Second Bancorp, Inc. (OSBC)
A side-by-side comparison of Amalgamated Financial Corp. and Old Second Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — AMAL vs OSBC
growth of $100 · dividends reinvested · last 8yAMAL vs OSBC: by the numbers
- •AMAL is the larger company ($1.43B vs $1.29B market cap).
- •AMAL trades at the lower trailing earnings multiple (12.73 vs 14.39 P/E), one valuation lens rather than an overall verdict.
- •AMAL converts more revenue to profit (23.37% vs 21.50% net margin).
- •OSBC grew revenue faster over the past five years (25.53% vs 17.93% CAGR).
- •AMAL pays the higher dividend yield (1.36% vs 1.11%).
Metrics side by side
Valuation
| Metric | AMAL | OSBC |
|---|---|---|
| P/E ratio | 12.73 | 14.39 |
| Forward P/E | 11.88 | 11.44 |
| PEG ratio | 0.70 | 1.20 |
| P/S ratio | 2.94 | 3.00 |
| P/B ratio | 1.71 | 1.43 |
Profitability
| Metric | AMAL | OSBC |
|---|---|---|
| Operating margin | 31.03% | 29.60% |
| Net margin | 23.37% | 21.50% |
| ROE | 13.58% | 10.24% |
Amalgamated Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Old Second Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | AMAL | OSBC |
|---|---|---|
| Dividend yield | 1.36% | 1.11% |
| Payout ratio | 17.33% | 16.09% |
Growth (annualized)
| Metric | AMAL | OSBC |
|---|---|---|
| Revenue CAGR (5Y) | 17.93% | 25.53% |
| EPS CAGR (5Y) | 18.45% | 11.78% |
| Total return CAGR (5Y) | 26.16% | 14.78% |
Frequently asked
- Which has the lower trailing P/E, AMAL or OSBC?
- AMAL has the lower trailing P/E: AMAL trades at 12.73 and OSBC at 14.39. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AMAL or OSBC?
- Over the past five years, OSBC grew revenue faster — AMAL at a 17.93% CAGR versus OSBC at 25.53%.
- Does AMAL or OSBC pay a bigger dividend?
- AMAL yields 1.36% and OSBC yields 1.11% based on trailing dividends and the latest price.
- Is AMAL or OSBC more profitable?
- AMAL runs the higher net margin — AMAL at 23.37% versus OSBC at 21.50%.
- How have AMAL and OSBC total returns compared?
- Over the past 5 years, AMAL delivered 26.16% and OSBC delivered 14.78% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Amalgamated Financial & Old Second Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.