Burke & Herbert Financial Services Corp. (BHRB) vs Old Second Bancorp, Inc. (OSBC)
A side-by-side comparison of Burke & Herbert Financial Services 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 — BHRB vs OSBC
growth of $100 · dividends reinvested · last 10yBHRB vs OSBC: by the numbers
- •BHRB is the larger company ($1.39B vs $1.29B market cap).
- •BHRB trades at the lower trailing earnings multiple (11.05 vs 14.39 P/E), one valuation lens rather than an overall verdict.
- •BHRB converts more revenue to profit (21.89% vs 21.50% net margin).
- •BHRB grew revenue faster over the past five years (30.19% vs 25.53% CAGR).
- •BHRB pays the higher dividend yield (3.18% vs 1.11%).
Metrics side by side
Valuation
| Metric | BHRB | OSBC |
|---|---|---|
| P/E ratio | 11.05 | 14.39 |
| Forward P/E | 9.14 | 11.43 |
| PEG ratio | 0.60 | 1.20 |
| P/S ratio | 3.15 | 3.00 |
| P/B ratio | 1.17 | 1.43 |
Profitability
| Metric | BHRB | OSBC |
|---|---|---|
| Operating margin | 27.12% | 29.60% |
| Net margin | 21.89% | 21.50% |
| ROE | 8.07% | 10.24% |
Burke & Herbert Financial Services 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 | BHRB | OSBC |
|---|---|---|
| Dividend yield | 3.18% | 1.11% |
| Payout ratio | 35.14% | 16.09% |
Growth (annualized)
| Metric | BHRB | OSBC |
|---|---|---|
| Revenue CAGR (5Y) | 30.19% | 25.53% |
| EPS CAGR (5Y) | 18.55% | 11.78% |
| Total return CAGR (5Y) | 8.92% | 14.78% |
Frequently asked
- Which has the lower trailing P/E, BHRB or OSBC?
- BHRB has the lower trailing P/E: BHRB trades at 11.05 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, BHRB or OSBC?
- Over the past five years, BHRB grew revenue faster — BHRB at a 30.19% CAGR versus OSBC at 25.53%.
- Does BHRB or OSBC pay a bigger dividend?
- BHRB yields 3.18% and OSBC yields 1.11% based on trailing dividends and the latest price.
- Is BHRB or OSBC more profitable?
- BHRB runs the higher net margin — BHRB at 21.89% versus OSBC at 21.50%.
- How have BHRB and OSBC total returns compared?
- Over the past 10 years, BHRB delivered 7.50% and OSBC delivered 12.68% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Burke & Herbert Financial Services & 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.