Lakeland Financial (LKFN) 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 Lakeland Financial (LKFN) over the past year, gaining 43.9% versus a loss of 9.2%. Over five years, OSBC leads with a +87.5% price change compared with -23.7% for LKFN. Lakeland Financial is the larger company by market cap ($1.43 billion vs $1.26 billion), about 1.1 times the size.
On valuation, Old Second Bancorp trades at a lower forward P/E (10.2x vs 12.7x for Lakeland Financial). Lakeland Financial offers the higher dividend yield (3.59% 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 | LKFN | OSBC |
|---|---|---|
| Share price | $57.45 | $24.86 |
| Market cap | $1.43B | $1.26B |
| 1-day change | +0.45% | +0.81% |
| YTD return | +0.68% | +27.49% |
| 1-year return | -9.24% | +43.95% |
| 5-year return | -23.70% | +87.48% |
| P/E ratio (TTM) | 13.18 | 14.13 |
| Forward P/E | 12.74 | 10.17 |
| EPS (TTM) | $4.36 | $1.76 |
| Dividend yield | 3.59% | 1.09% |
| Annual dividend | $2.06 | $0.27 |
| 52-week high | $64.55 | $26.06 |
| 52-week low | $54.36 | $16.65 |
| Distance from 52-week high | -11.00% | -4.60% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +15.75% | +13.96% |
| Average volume | 170.21K | 469.85K |
| Shares outstanding | 24.86M | 50.88M |
| Employees | 695 | 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
- OSBC has outperformed LKFN by 53.2 percentage points over the past year.
- Lakeland Financial offers a meaningfully higher dividend yield (3.59% vs 1.09%).
About Lakeland Financial
LKFN stock →Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits.
Financial Services · Banks - Regional · 695 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
LKFN vs OSBC FAQ
Which is bigger, Lakeland Financial or Old Second Bancorp?
Lakeland Financial (LKFN) is larger, with a market capitalization of $1.43B compared with $1.26B for Old Second Bancorp (OSBC).
Which stock has performed better over the past year, LKFN or OSBC?
OSBC returned +43.95% over the past 12 months, compared with -9.24% for LKFN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, LKFN or OSBC?
LKFN has the lower trailing P/E at 13.2, versus 14.1 for OSBC. 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, Lakeland Financial or Old Second Bancorp?
Lakeland Financial has the higher yield at 3.59%, compared with 1.09% for Old Second Bancorp.
Are Lakeland Financial and Old Second Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.