Which has the lower trailing P/E, ATLC or OSBC?

ATLC has the lower trailing P/E: ATLC trades at 12.23 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, ATLC or OSBC?

Over the past five years, ATLC grew revenue faster — ATLC at a 33.60% CAGR versus OSBC at 25.53%.

Does ATLC or OSBC pay a bigger dividend?

OSBC pays a dividend (1.11% yield), while ATLC is a former payer with no current dividend run rate.

Is ATLC or OSBC more profitable?

OSBC runs the higher net margin — ATLC at 9.30% versus OSBC at 21.50%.

How have ATLC and OSBC total returns compared?

Over the past 10 years, ATLC delivered 40.96% and OSBC delivered 12.68% annualized total return. Past performance doesn't predict future results.

Atlanticus Holdings Corporation (ATLC) vs Old Second Bancorp, Inc. (OSBC)

A side-by-side comparison of Atlanticus Holdings Corporation 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.

ATLC

Atlanticus Holdings Corporation

$1.42B

$93.68Financial ServicesDelayed quote: Oct 6, 2026, 12:19 PM EDT

OSBC

Old Second Bancorp, Inc.

$1.29B

$25.05Financial ServicesDelayed quote: Oct 6, 2026, 12:15 PM EDT

Total return — ATLC vs OSBC

growth of $100 · dividends reinvested · last 10y

ATLC +2847.9% (+40.3%/yr)OSBC +231.6% (+12.7%/yr)ATLC compounded faster over this window

Log scale — wide-divergence pair

ATLC OSBC

ATLC vs OSBC: by the numbers

•ATLC is the larger company ($1.42B vs $1.29B market cap).
•ATLC trades at the lower trailing earnings multiple (12.23 vs 14.39 P/E), one valuation lens rather than an overall verdict.
•OSBC converts more revenue to profit (21.50% vs 9.30% net margin).
•ATLC grew revenue faster over the past five years (33.60% vs 25.53% CAGR).
•OSBC pays a dividend (1.11% yield), while ATLC is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	ATLC	OSBC
P/E ratio	12.23	14.39
Forward P/E	9.73	11.44
PEG ratio	1.43	1.20
P/S ratio	0.85	3.00
P/B ratio	2.02	1.43

Profitability

Metric	ATLC	OSBC
Operating margin	17.73%	29.60%
Net margin	9.30%	21.50%
ROE	20.76%	10.24%

Atlanticus Holdings Corporation: 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	ATLC	OSBC
Dividend yield	N/A	1.11%
Payout ratio	N/A	16.09%

Growth (annualized)

Metric	ATLC	OSBC
Revenue CAGR (5Y)	33.60%	25.53%
EPS CAGR (5Y)	6.79%	11.78%
Total return CAGR (5Y)	11.24%	14.78%

Frequently asked

Which has the lower trailing P/E, ATLC or OSBC?: ATLC has the lower trailing P/E: ATLC trades at 12.23 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, ATLC or OSBC?: Over the past five years, ATLC grew revenue faster — ATLC at a 33.60% CAGR versus OSBC at 25.53%.
Does ATLC or OSBC pay a bigger dividend?: OSBC pays a dividend (1.11% yield), while ATLC is a former payer with no current dividend run rate.
Is ATLC or OSBC more profitable?: OSBC runs the higher net margin — ATLC at 9.30% versus OSBC at 21.50%.
How have ATLC and OSBC total returns compared?: Over the past 10 years, ATLC delivered 40.96% and OSBC delivered 12.68% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ATLC analysis Full OSBC analysis Interactive comparison tool

Dig into the metrics

Atlanticus P/E ratio Old Second Bancorp P/E ratio Old Second Bancorp dividend yield Atlanticus ROE Old Second Bancorp ROE Atlanticus operating margin Old Second Bancorp operating margin Atlanticus revenue growth Old Second Bancorp revenue growth

Atlanticus & Old Second Bancorp appear in these rankings

Fastest Revenue Growth Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

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.