Old Second Bancorp (OSBC) vs Univest Financial (UVSP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Old Second Bancorp (OSBC) has outperformed Univest Financial (UVSP) over the past year, gaining 43.2% versus a gain of 38.4%. Over five years, OSBC leads with a +85.6% price change compared with +44.2% for UVSP. Old Second Bancorp is the larger company by market cap ($1.25 billion vs $1.13 billion), about 1.1 times the size.
On valuation, Old Second Bancorp trades at a lower forward P/E (10.1x vs 10.3x for Univest Financial). Univest Financial offers the higher dividend yield (2.20% vs 1.10%). Univest Financial converts more of its revenue into profit, with a net margin of 27.7% versus 23.7%.
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 | UVSP |
|---|---|---|
| Share price | $24.61 | $40.90 |
| Market cap | $1.25B | $1.13B |
| 1-day change | -1.01% | -0.87% |
| YTD return | +26.21% | +24.92% |
| 1-year return | +43.25% | +38.41% |
| 5-year return | +85.60% | +44.22% |
| P/E ratio (TTM) | 13.98 | 11.92 |
| Forward P/E | 10.07 | 10.33 |
| EPS (TTM) | $1.76 | $3.43 |
| Dividend yield | 1.10% | 2.20% |
| Annual dividend | $0.27 | $0.90 |
| Revenue (latest FY) | $339.33M | $328.06M |
| Revenue growth (YoY) | +18.87% | +9.64% |
| Net income (latest FY) | $80.31M | $90.76M |
| Net margin | 23.67% | 27.67% |
| 52-week high | $26.06 | $45.46 |
| 52-week low | $16.65 | $28.04 |
| Distance from 52-week high | -5.56% | -10.03% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +15.12% | +11.25% |
| Average volume | 469.85K | 234.67K |
| Shares outstanding | 50.88M | 27.58M |
| Employees | 1,062 | — |
| Sector | Finance | Financial Services |
| Industry | Major Banks | 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
- Univest Financial offers a meaningfully higher dividend yield (2.20% vs 1.10%).
- Old Second Bancorp grew revenue faster in its latest fiscal year (+18.87% vs +9.64%).
- The two companies sit in different sectors: Old Second Bancorp in Finance and Univest Financial in Financial Services.
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
About Univest Financial
UVSP stock →Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States.
Financial Services · Banks - Regional
OSBC vs UVSP FAQ
Which is bigger, Old Second Bancorp or Univest Financial?
Old Second Bancorp (OSBC) is larger, with a market capitalization of $1.25B compared with $1.13B for Univest Financial (UVSP).
Which stock has performed better over the past year, OSBC or UVSP?
OSBC returned +43.25% over the past 12 months, compared with +38.41% for UVSP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OSBC or UVSP?
UVSP has the lower trailing P/E at 11.9, versus 14.0 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 Univest Financial?
Univest Financial has the higher yield at 2.20%, compared with 1.10% for Old Second Bancorp.
Are Old Second Bancorp and Univest Financial in the same industry?
No. Old Second Bancorp is in the Finance sector, while Univest Financial is in Financial Services.