Old Second Bancorp, Inc. (OSBC) vs Peoples Bancorp Inc. (PEBO)
A side-by-side comparison of Old Second Bancorp, Inc. and Peoples 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 — OSBC vs PEBO
growth of $100 · dividends reinvested · last 10yOSBC vs PEBO: by the numbers
- •PEBO is the larger company ($1.33B vs $1.29B market cap).
- •PEBO trades at the lower trailing earnings multiple (11.20 vs 14.39 P/E), one valuation lens rather than an overall verdict.
- •OSBC converts more revenue to profit (21.50% vs 19.75% net margin).
- •OSBC grew revenue faster over the past five years (25.53% vs 22.72% CAGR).
- •PEBO pays the higher dividend yield (4.47% vs 1.11%).
Metrics side by side
Valuation
| Metric | OSBC | PEBO |
|---|---|---|
| P/E ratio | 14.39 | 11.20 |
| Forward P/E | 11.44 | 10.16 |
| PEG ratio | 1.20 | 0.97 |
| P/S ratio | 3.00 | 2.21 |
| P/B ratio | 1.43 | 1.08 |
Profitability
| Metric | OSBC | PEBO |
|---|---|---|
| Operating margin | 29.60% | 21.65% |
| Net margin | 21.50% | 19.75% |
| ROE | 10.24% | 9.64% |
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.
Peoples 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 | OSBC | PEBO |
|---|---|---|
| Dividend yield | 1.11% | 4.47% |
| Payout ratio | 16.09% | 50.15% |
Growth (annualized)
| Metric | OSBC | PEBO |
|---|---|---|
| Revenue CAGR (5Y) | 25.53% | 22.72% |
| EPS CAGR (5Y) | 11.78% | 11.73% |
| Total return CAGR (5Y) | 14.78% | 7.96% |
Frequently asked
- Which has the lower trailing P/E, OSBC or PEBO?
- PEBO has the lower trailing P/E: OSBC trades at 14.39 and PEBO at 11.20. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, OSBC or PEBO?
- Over the past five years, OSBC grew revenue faster — OSBC at a 25.53% CAGR versus PEBO at 22.72%.
- Does OSBC or PEBO pay a bigger dividend?
- OSBC yields 1.11% and PEBO yields 4.47% based on trailing dividends and the latest price.
- Is OSBC or PEBO more profitable?
- OSBC runs the higher net margin — OSBC at 21.50% versus PEBO at 19.75%.
- How have OSBC and PEBO total returns compared?
- Over the past 10 years, OSBC delivered 12.68% and PEBO delivered 9.14% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Old Second Bancorp & Peoples 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.