Old Second Bancorp (OSBC) vs Tompkins Financial (TMP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Tompkins Financial (TMP) has outperformed Old Second Bancorp (OSBC) over the past year, gaining 48.1% versus a gain of 43.0%. Over five years, OSBC leads with a +86.0% price change compared with +18.2% for TMP. Tompkins Financial is the larger company by market cap ($1.39 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 11.6x for Tompkins Financial). Tompkins Financial offers the higher dividend yield (2.70% 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 | OSBC | TMP |
|---|---|---|
| Share price | $24.66 | $96.78 |
| Market cap | $1.25B | $1.39B |
| 1-day change | -1.56% | -1.05% |
| YTD return | +26.46% | +33.45% |
| 1-year return | +42.96% | +48.09% |
| 5-year return | +85.97% | +18.15% |
| P/E ratio (TTM) | 14.25 | 8.00 |
| Forward P/E | 10.09 | 11.63 |
| EPS (TTM) | $1.73 | $12.10 |
| Dividend yield | 1.09% | 2.70% |
| Annual dividend | $0.27 | $2.61 |
| 52-week high | $26.06 | $102.59 |
| 52-week low | $16.65 | $61.88 |
| Distance from 52-week high | -5.37% | -5.66% |
| Analyst consensus | buy | none |
| Avg. price target upside | +13.54% | +7.98% |
| Average volume | 464.29K | 106.30K |
| Shares outstanding | 50.88M | 14.38M |
| Employees | 1,062 | 813 |
| 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
- Old Second Bancorp trades at a higher earnings multiple (14.3x vs 8.0x trailing P/E).
- Tompkins Financial offers a meaningfully higher dividend yield (2.70% vs 1.09%).
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
About Tompkins Financial
TMP stock →Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. It operates through two segments: Banking, and Wealth Management.
Financial Services · Banks - Regional · 813 employees
OSBC vs TMP FAQ
Which is bigger, Old Second Bancorp or Tompkins Financial?
Tompkins Financial (TMP) is larger, with a market capitalization of $1.39B compared with $1.25B for Old Second Bancorp (OSBC).
Which stock has performed better over the past year, OSBC or TMP?
TMP returned +48.09% 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, OSBC or TMP?
TMP has the lower trailing P/E at 8.0, versus 14.3 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, Old Second Bancorp or Tompkins Financial?
Tompkins Financial has the higher yield at 2.70%, compared with 1.09% for Old Second Bancorp.
Are Old Second Bancorp and Tompkins Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.