Esquire Financial (ESQ) vs Old Second Bancorp (OSBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Old Second Bancorp (OSBC) has outperformed Esquire Financial (ESQ) over the past year, gaining 43.0% versus a gain of 11.3%. Over five years, ESQ leads with a +256.8% price change compared with +86.0% for OSBC. Esquire Financial is the larger company by market cap ($1.40 billion vs $1.25 billion), about 1.1 times the size.
On valuation, Old Second Bancorp trades at a lower forward P/E (10.1x vs 13.7x for Esquire Financial). Old Second Bancorp offers the higher dividend yield (1.09% vs 0.65%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ESQ | OSBC |
|---|---|---|
| Share price | $115.70 | $24.66 |
| Market cap | $1.40B | $1.25B |
| 1-day change | -0.64% | -1.56% |
| YTD return | +13.35% | +26.46% |
| 1-year return | +11.26% | +42.96% |
| 5-year return | +256.77% | +85.97% |
| P/E ratio (TTM) | 19.09 | 14.01 |
| Forward P/E | 13.66 | 10.09 |
| EPS (TTM) | $6.06 | $1.76 |
| Dividend yield | 0.65% | 1.09% |
| Annual dividend | $0.75 | $0.27 |
| 52-week high | $134.82 | $26.06 |
| 52-week low | $92.10 | $16.65 |
| Distance from 52-week high | -14.18% | -5.37% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +15.82% | +13.54% |
| Average volume | 167.19K | 464.29K |
| Shares outstanding | 12.10M | 50.88M |
| Employees | 151 | 1,062 |
| Sector | Finance | Finance |
| Industry | Commercial Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- OSBC has outperformed ESQ by 31.7 percentage points over the past year.
- Esquire Financial trades at a higher earnings multiple (19.1x vs 14.0x trailing P/E).
About Esquire Financial
ESQ stock →Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States.
Finance · Commercial Banks · 151 employees
About Old Second Bancorp
OSBC stock →Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States.
Finance · Major Banks · 1,062 employees
ESQ vs OSBC FAQ
Which is bigger, Esquire Financial or Old Second Bancorp?
Esquire Financial (ESQ) is larger, with a market capitalization of $1.40B compared with $1.25B for Old Second Bancorp (OSBC).
Which stock has performed better over the past year, ESQ or OSBC?
OSBC returned +42.96% over the past 12 months, compared with +11.26% for ESQ (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ESQ or OSBC?
OSBC has the lower trailing P/E at 14.0, versus 19.1 for ESQ. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Esquire Financial or Old Second Bancorp?
Old Second Bancorp has the higher yield at 1.09%, compared with 0.65% for Esquire Financial.
Are Esquire Financial and Old Second Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Commercial Banks for Esquire Financial and Major Banks for Old Second Bancorp.