Which has grown faster, JCAP or OSBC?

Over the past five years, JCAP grew revenue faster — JCAP at a 54.92% CAGR versus OSBC at 25.53%.

Does JCAP or OSBC pay a bigger dividend?

JCAP yields 4.88% and OSBC yields 1.11% based on trailing dividends and the latest price.

Is JCAP or OSBC more profitable?

JCAP runs the higher net margin — JCAP at 23.50% versus OSBC at 21.50%.

Jefferson Capital, Inc. Common Stock (JCAP) vs Old Second Bancorp, Inc. (OSBC)

A side-by-side comparison of Jefferson Capital, Inc. Common Stock 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.

JCAP

Jefferson Capital, Inc. Common Stock

$1.22B

$19.86Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

OSBC

Old Second Bancorp, Inc.

$1.29B

$25.05Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — JCAP vs OSBC

growth of $100 · dividends reinvested · last 1y

JCAP +12.7% (+12.7%/yr)OSBC +46.6% (+46.6%/yr)OSBC compounded faster over this window

JCAP OSBC

JCAP vs OSBC: by the numbers

•OSBC is the larger company ($1.29B vs $1.22B market cap).
•JCAP converts more revenue to profit (23.50% vs 21.50% net margin).
•JCAP grew revenue faster over the past five years (54.92% vs 25.53% CAGR).
•JCAP pays the higher dividend yield (4.88% vs 1.11%).

Metrics side by side

Valuation

Metric	JCAP	OSBC
P/E ratio	N/A	14.40
Forward P/E	6.69	11.44
PEG ratio	N/A	1.20
P/S ratio	1.86	3.00
P/B ratio	2.57	1.43

Profitability

Metric	JCAP	OSBC
Operating margin	51.61%	29.60%
Net margin	23.50%	21.50%
ROE	32.55%	10.24%

Jefferson Capital, Inc. Common Stock: 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	JCAP	OSBC
Dividend yield	4.88%	1.11%
Payout ratio	N/A	16.09%

Growth (annualized)

Metric	JCAP	OSBC
Revenue CAGR (5Y)	54.92%	25.53%
EPS CAGR (5Y)	20.35%	11.78%
Total return CAGR (5Y)	N/A	14.78%

Frequently asked

Which has grown faster, JCAP or OSBC?: Over the past five years, JCAP grew revenue faster — JCAP at a 54.92% CAGR versus OSBC at 25.53%.
Does JCAP or OSBC pay a bigger dividend?: JCAP yields 4.88% and OSBC yields 1.11% based on trailing dividends and the latest price.
Is JCAP or OSBC more profitable?: JCAP runs the higher net margin — JCAP at 23.50% versus OSBC at 21.50%.

Go deeper

Full JCAP analysis Full OSBC analysis Interactive comparison tool

Dig into the metrics

Old Second Bancorp P/E ratio Jefferson Capital, Inc. Common Stock dividend yield Old Second Bancorp dividend yield Jefferson Capital, Inc. Common Stock ROE Old Second Bancorp ROE Jefferson Capital, Inc. Common Stock operating margin Old Second Bancorp operating margin Jefferson Capital, Inc. Common Stock revenue growth Old Second Bancorp revenue growth

Jefferson Capital, Inc. Common Stock & Old Second Bancorp appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest ROE Stocks Highest Operating Margin 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.