SmarterDividends
OSBC

Old Second Bancorp, Inc.

OSBC

Financial Services · Banks - Regional · Stock · quarterly payer

$24.88

Fairly valued · +1% Add to Portfolio

Forward Yield

1.13%

Annual Dividend

$0.28

Payout Ratio

15%

5-Yr Growth

44.3%

Ex-Date

Jul 31, 2026

Frequency

Quarterly

Key facts about OSBC's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 18, 2026, Old Second Bancorp, Inc. (OSBC) has a forward dividend yield of 1.13%, based on an annual dividend of $0.28 per share and a share price of $24.88.
  • As of Oct 18, 2026, OSBC's dividend safety grade from SmarterDividends is A (82 out of 100), which rates the dividend as very safe.
  • By SmarterDividends' count, Old Second Bancorp, Inc. (OSBC) has raised its dividend for 2 consecutive years as of Oct 18, 2026.
  • OSBC last cut its regular dividend in 2009.
  • OSBC's most recent ex-dividend date was Jul 31, 2026, for a dividend of $0.0700 per share.
  • As of Oct 18, 2026, OSBC pays out 15% of its trailing 12-month earnings as dividends (its payout ratio).
  • OSBC's dividend has grown at an average rate of 44.3% a year over the past five years.
  • As of Oct 18, 2026, OSBC's 1.13% yield is 17% below its five-year average yield of 1.36%.
  • As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for OSBC is $25.16 per share, 1% above the $24.88 share price, so OSBC screens as fairly valued.
  • Old Second Bancorp, Inc. (OSBC) pays its dividend quarterly, 4 times a year.
  • Old Second Bancorp, Inc. (OSBC) has raised its regular dividend 12 times and cut it 2 times across the 109 payments on record since 1993. Its most recent change was a 16.7% increase to $0.0700 per share, going ex-dividend on Oct 31, 2025. The last cut went ex-dividend on Sep 23, 2009.
Cite this page

SmarterDividends, "OSBC Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/OSBC

Summary

As of Oct 18, 2026, Old Second Bancorp, Inc. (OSBC) yields 1.13% ($0.28 a year per share), has a dividend safety grade of A (82/100) and has 2 consecutive years of dividend increases on record.

Is OSBC a good dividend stock?

Yes

Old Second Bancorp, Inc. (OSBC) pays a quarterly dividend yielding 1.13% ($0.28/yr), with 2 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Advantages

  • Comfortable payout ratio (15%)
  • Strong 44.3% 5-yr dividend growth
  • 101% total price return over 5 years
  • Top-tier dividend safety score

Risks

  • Cut its dividend in 2009

Key Data

Dividend Yield
1.13%
Payout Ratio
15%
Annual Dividend
$0.28
5-Yr Avg Growth
44.3%
Ex-Dividend Date
Jul 31, 2026
Years of Growth
2
Frequency
quarterly
Beta
0.77
Market Cap
$1.3B
P/E Ratio
14.1
5-Yr Total Return
101%
52-Week Range
$17.08 – $26.06
Dividend Safety
A · 82/100
Ever Cut?
Yes (2009)

OSBC dividend raises and cuts

Old Second Bancorp, Inc. (OSBC) has raised its regular dividend 12 times and cut it 2 times across the 109 payments on record since 1993. Its most recent change was a 16.7% increase to $0.0700 per share, going ex-dividend on Oct 31, 2025. The last cut went ex-dividend on Sep 23, 2009.

Ex-dateChangeOld → newMove
Oct 31, 2025Raise$0.0600 → $0.0700+16.7%
Oct 25, 2024Raise$0.0500 → $0.0600+20.0%
Apr 29, 2021Raise$0.0100 → $0.0500+400.0%
Sep 23, 2009Cut$0.0400 → $0.0100−75.0%
Mar 25, 2009Cut$0.160 → $0.0400−75.0%
Jun 25, 2008Raise$0.150 → $0.160+6.7%
Jun 27, 2007Raise$0.140 → $0.150+7.1%
Jun 28, 2006Raise$0.130 → $0.140+7.7%
Jun 29, 2005Raise$0.120 → $0.130+8.3%
Jun 23, 2004Raise$0.100 → $0.120+20.0%
Jun 26, 2002Raise$0.0750 → $0.100+33.3%
Jun 21, 2001Raise$0.0563 → $0.0750+33.3%
Show all 14 changes since 1998
Ex-dateChangeOld → newMove
Jun 17, 1999Raise$0.0469 → $0.0563+20.0%
Sep 17, 1998Raise$0.0300 → $0.0469+56.3%
Every OSBC payment →Download every raise and cut (CSV)
OSBC ex-dividend date & scheduleNext ex-date Jul 31, 2026 · full ex-dividend historyView →OSBC dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is OSBC a good dividend stock?

Yes. Old Second Bancorp, Inc. (OSBC) pays a quarterly dividend yielding 1.13% ($0.28/yr), with 2 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Is OSBC undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, OSBC's fair value is about $25.16 versus a $24.88 share price — so it looks fairly valued (+1% vs. fair value).

Is OSBC's dividend safe?

OSBC has a dividend-safety grade of A (82/100), based on its payout coverage, free-cash-flow, 2-year growth streak, a dividend cut in 2009, debt and yield-versus-history.

What is OSBC's fair value?

Our blended fair-value estimate for OSBC is about $25.16 per share, roughly 1% above the current $24.88 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is OSBC a buy, hold, or sell?

We don't issue formal ratings, but on the data OSBC screens as "yes" and fairly valued. Old Second Bancorp, Inc. (OSBC) pays a quarterly dividend yielding 1.13% ($0.28/yr), with 2 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding. This is research for your own analysis, not investment advice.

Will OSBC cut its dividend?

OSBC earns a dividend-safety grade of A (82/100), and has cut its dividend before (last in 2009). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does OSBC pay a dividend?

Yes. Old Second Bancorp, Inc. pays a quarterly dividend of about $0.28 per share annually, a forward yield of roughly 1.13%.

What is OSBC's dividend yield?

As of Oct 18, 2026, OSBC's forward dividend yield is 1.13%, based on a $0.28 annual dividend and a $24.88 share price.

What is OSBC's dividend per share?

As of Oct 18, 2026, OSBC pays $0.28 per share per year, distributed on a quarterly basis.

What is OSBC's dividend payout ratio?

As of Oct 18, 2026, OSBC's payout ratio is 15% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.

How many years has OSBC grown its dividend?

As of Oct 18, 2026, OSBC has increased its dividend for 2 consecutive years.

When is the next OSBC ex-dividend date?

As of Oct 18, 2026, OSBC's next ex-dividend date hasn't been announced. The most recent was Jul 31, 2026, for $0.0700 per share.

Income Calculator

At $0.28 / yr per share

Per payment (quarterly)$7.00
Annual$28.00
Monthly avg$2.33

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