HBT Financial (HBT) 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
HBT Financial (HBT) has outperformed Old Second Bancorp (OSBC) over the past year, gaining 45.0% versus a gain of 43.0%. Over five years, HBT leads with a +108.1% price change compared with +86.0% for OSBC. HBT Financial is the larger company by market cap ($1.29 billion vs $1.25 billion), about 1.0 times the size.
On valuation, Old Second Bancorp trades at a lower forward P/E (10.1x vs 10.3x for HBT Financial). HBT Financial offers the higher dividend yield (2.48% vs 1.09%).
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 | HBT | OSBC |
|---|---|---|
| Share price | $35.53 | $24.66 |
| Market cap | $1.29B | $1.25B |
| 1-day change | -2.09% | -1.56% |
| YTD return | +37.45% | +26.46% |
| 1-year return | +45.02% | +42.96% |
| 5-year return | +108.14% | +85.97% |
| P/E ratio (TTM) | 15.45 | 14.25 |
| Forward P/E | 10.27 | 10.09 |
| EPS (TTM) | $2.30 | $1.73 |
| Dividend yield | 2.48% | 1.09% |
| Annual dividend | $0.88 | $0.27 |
| 52-week high | $37.51 | $26.06 |
| 52-week low | $22.36 | $16.65 |
| Distance from 52-week high | -5.28% | -5.37% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +13.14% | +13.54% |
| Average volume | 132.52K | 464.29K |
| Shares outstanding | 36.37M | 50.88M |
| Employees | 826 | 1,062 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- HBT Financial offers a meaningfully higher dividend yield (2.48% vs 1.09%).
About HBT Financial
HBT stock →HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa.
Financial Services · Banks - Regional · 826 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.
Financial Services · Banks - Regional · 1,062 employees
HBT vs OSBC FAQ
Which is bigger, HBT Financial or Old Second Bancorp?
HBT Financial (HBT) is larger, with a market capitalization of $1.29B compared with $1.25B for Old Second Bancorp (OSBC).
Which stock has performed better over the past year, HBT or OSBC?
HBT returned +45.02% over the past 12 months, compared with +42.96% for OSBC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HBT or OSBC?
OSBC has the lower trailing P/E at 14.3, versus 15.4 for HBT. 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, HBT Financial or Old Second Bancorp?
HBT Financial has the higher yield at 2.48%, compared with 1.09% for Old Second Bancorp.
Are HBT Financial and Old Second Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.