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OSBC Dividend DRIP Calculator 2026
1.18% YieldFinancial ServicesOld Second Bancorp, Inc. · NASDAQ
Price: $22.85 · Annual div: $0.27/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When OSBC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in OSBC → $1.77M in 10 years · $14,616.35/month
About Old Second Bancorp, Inc. (OSBC) — Dividend Analysis 2026
Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 OSBC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold OSBC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.18% | -1.62% | $118 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.00% | -1.80% | $100 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.94% | -1.86% | $94 / yr |
| 🇬🇧 UK ISA | 0% | 1.18% | -1.62% | $118 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.08% | -1.72% | $108 / yr |
| 🇨🇦 TFSA | 0% | 1.18% | -1.62% | $118 / yr |
| 🇨🇦 CA Taxable | 25% | 0.89% | -1.91% | $89 / yr |
| 🇦🇺 Super (pension) | 15% | 1.00% | -1.80% | $100 / yr |
| 🇦🇺 AU Taxable | 30% | 0.83% | -1.97% | $83 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.87% | -1.93% | $87 / yr |
| 🇫🇷 FR Taxable | 30% | 0.83% | -1.97% | $83 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 OSBC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.27/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 OSBC Dividend Payment Schedule
OSBC pays quarterly — 4 times per year. Next ex-div: TBD.
📊 OSBC vs Financial Services Benchmarks
How OSBC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for OSBC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ OSBC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| J-Other | 2026-06-30 | 34 | — | — | ||
| J-Other | 2026-06-30 | 37 | — | — | ||
| J-Other | 2026-06-30 | 14 | — | — | ||
| J-Other | 2026-06-30 | 1 | — | — | ||
| J-Other | 2026-06-30 | 111 | — | — | ||
| J-Other | 2026-06-30 | 21 | — | — | ||
| J-Other | 2026-06-30 | 42 | — | — | ||
| Sale | 2026-05-22 | 5,120 | $21.12 | $108.1K | ||
| Sale | 2026-05-21 | 10,000 | $21.12 | $211.2K | ||
| Buy | 2026-05-11 | 24 | $20.90 | $502.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the OSBC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Old Second Bancorp, Inc. (OSBC) is currently trading at $22.85, trading near its 52-week high. The current dividend yield is 1.18% based on an annual payout of $0.27 per share.
OSBC (Old Second Bancorp, Inc.) — 1.18% Dividend Yield Analysis
Old Second Bancorp, Inc. (OSBC) is a financial services stock currently trading at $22.84 with a dividend yield of 1.18%. The company pays an annual dividend of $0.27 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, OSBC has grown its dividend at a compound annual rate of 100.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.