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

FMBH has the lower trailing P/E: FMBH trades at 12.37 and OSBC at 14.47. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FMBH or OSBC?

Over the past five years, OSBC grew revenue faster — FMBH at a 15.34% CAGR versus OSBC at 25.53%.

Does FMBH or OSBC pay a bigger dividend?

FMBH yields 2.03% and OSBC yields 1.11% based on trailing dividends and the latest price.

Is FMBH or OSBC more profitable?

FMBH runs the higher net margin — FMBH at 22.01% versus OSBC at 21.50%.

How have FMBH and OSBC total returns compared?

Over the past 10 years, FMBH delivered 9.04% and OSBC delivered 12.68% annualized total return. Past performance doesn't predict future results.

First Mid Bancshares, Inc. (FMBH) vs Old Second Bancorp, Inc. (OSBC)

A side-by-side comparison of First Mid Bancshares, Inc. 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.

FMBH

First Mid Bancshares, Inc.

$1.33B

$49.83Financial ServicesDelayed quote: Oct 6, 2026, 11:40 AM EDT

OSBC

Old Second Bancorp, Inc.

$1.30B

$25.18Financial ServicesDelayed quote: Oct 6, 2026, 11:40 AM EDT

Total return — FMBH vs OSBC

growth of $100 · dividends reinvested · last 10y

FMBH +134.8% (+8.9%/yr)OSBC +231.6% (+12.7%/yr)OSBC compounded faster over this window

FMBH OSBC

FMBH vs OSBC: by the numbers

•FMBH is the larger company ($1.33B vs $1.30B market cap).
•FMBH trades at the lower trailing earnings multiple (12.37 vs 14.47 P/E), one valuation lens rather than an overall verdict.
•FMBH converts more revenue to profit (22.01% vs 21.50% net margin).
•OSBC grew revenue faster over the past five years (25.53% vs 15.34% CAGR).
•FMBH pays the higher dividend yield (2.03% vs 1.11%).

Metrics side by side

Valuation

Metric	FMBH	OSBC
P/E ratio	12.37	14.47
Forward P/E	11.26	11.50
PEG ratio	1.71	1.21
P/S ratio	2.91	3.01
P/B ratio	1.20	1.43

Profitability

Metric	FMBH	OSBC
Operating margin	25.12%	29.60%
Net margin	22.01%	21.50%
ROE	9.10%	10.24%

First Mid Bancshares, 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.

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	FMBH	OSBC
Dividend yield	2.03%	1.11%
Payout ratio	25.06%	16.09%

Growth (annualized)

Metric	FMBH	OSBC
Revenue CAGR (5Y)	15.34%	25.53%
EPS CAGR (5Y)	7.22%	11.78%
Total return CAGR (5Y)	6.38%	14.78%

Frequently asked

Which has the lower trailing P/E, FMBH or OSBC?: FMBH has the lower trailing P/E: FMBH trades at 12.37 and OSBC at 14.47. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FMBH or OSBC?: Over the past five years, OSBC grew revenue faster — FMBH at a 15.34% CAGR versus OSBC at 25.53%.
Does FMBH or OSBC pay a bigger dividend?: FMBH yields 2.03% and OSBC yields 1.11% based on trailing dividends and the latest price.
Is FMBH or OSBC more profitable?: FMBH runs the higher net margin — FMBH at 22.01% versus OSBC at 21.50%.
How have FMBH and OSBC total returns compared?: Over the past 10 years, FMBH delivered 9.04% and OSBC delivered 12.68% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FMBH analysis Full OSBC analysis Interactive comparison tool

Dig into the metrics

First Mid Bancshares P/E ratio Old Second Bancorp P/E ratio First Mid Bancshares dividend yield Old Second Bancorp dividend yield First Mid Bancshares ROE Old Second Bancorp ROE First Mid Bancshares operating margin Old Second Bancorp operating margin First Mid Bancshares revenue growth Old Second Bancorp revenue growth

First Mid Bancshares & Old Second Bancorp appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth 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.