HBT Financial, Inc. (HBT) vs Old Second Bancorp, Inc. (OSBC)
A side-by-side comparison of HBT Financial, 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.
Total return — HBT vs OSBC
growth of $100 · dividends reinvested · last 7yHBT vs OSBC: by the numbers
- •HBT is the larger company ($1.33B vs $1.29B market cap).
- •OSBC trades at the lower trailing earnings multiple (14.43 vs 15.65 P/E), one valuation lens rather than an overall verdict.
- •HBT converts more revenue to profit (23.46% vs 21.50% net margin).
- •OSBC grew revenue faster over the past five years (25.53% vs 15.41% CAGR).
- •HBT pays the higher dividend yield (2.53% vs 1.11%).
Metrics side by side
Valuation
| Metric | HBT | OSBC |
|---|---|---|
| P/E ratio | 15.65 | 14.43 |
| Forward P/E | 12.00 | 11.46 |
| PEG ratio | 1.23 | 1.20 |
| P/S ratio | 4.00 | 3.00 |
| P/B ratio | 1.73 | 1.43 |
Profitability
| Metric | HBT | OSBC |
|---|---|---|
| Operating margin | 31.83% | 29.60% |
| Net margin | 23.46% | 21.50% |
| ROE | 10.17% | 10.24% |
HBT Financial, 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 | HBT | OSBC |
|---|---|---|
| Dividend yield | 2.53% | 1.11% |
| Payout ratio | 39.48% | 16.09% |
Growth (annualized)
| Metric | HBT | OSBC |
|---|---|---|
| Revenue CAGR (5Y) | 15.41% | 25.53% |
| EPS CAGR (5Y) | 12.74% | 11.78% |
| Total return CAGR (5Y) | 21.72% | 14.78% |
Frequently asked
- Which has the lower trailing P/E, HBT or OSBC?
- OSBC has the lower trailing P/E: HBT trades at 15.65 and OSBC at 14.43. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HBT or OSBC?
- Over the past five years, OSBC grew revenue faster — HBT at a 15.41% CAGR versus OSBC at 25.53%.
- Does HBT or OSBC pay a bigger dividend?
- HBT yields 2.53% and OSBC yields 1.11% based on trailing dividends and the latest price.
- Is HBT or OSBC more profitable?
- HBT runs the higher net margin — HBT at 23.46% versus OSBC at 21.50%.
- How have HBT and OSBC total returns compared?
- Over the past 5 years, HBT delivered 21.72% and OSBC delivered 14.78% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
HBT 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.