Company: OSBC
Filing Date: 2025-05-06
Form Type: S-4/A
Source: 0001104659-25-045103
Chunk: 80

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-06
Form: S-4/A
Chunk 80
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 1.17x   | ​ | ​ | 1.07x  | ​ | ​ | 1.01x          | ​ |
| Stock Price / MRQ Annualized EPS            | ​ | ​ | 13.1x              | ​ | ​ | 11.4x   | ​ | ​ | 11.3x  | ​ | ​ | 9.7x           | ​ |
| Stock Price / 2025 Estimated EPS            | ​ | ​ | 15.1x              | ​ | ​ | 13.6x   | ​ | ​ | 11.9x  | ​ | ​ | 9.6x           | ​ |
| Stock Price / 2026 Estimated EPS            | ​ | ​ | 13.2x              | ​ | ​ | 10.9x   | ​ | ​ | 9.9x   | ​ | ​ | 8.6x           | ​ |
| Dividend Yield                              | ​ | ​ | 3.6%               | ​ | ​ | 3.1%    | ​ | ​ | 3.1%   | ​ | ​ | 2.4%           | ​ |
| LTM Dividend Payout                         | ​ | ​ | 45.8%              | ​ | ​ | 35.4%   | ​ | ​ | 33.3%  | ​ | ​ | 27.6%          | ​ |

No company used as a comparison in the above selected companies analysis is identical to Bancorp Financial. Accordingly, an analysis of these results is not mathematical. Rather, it involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies involved. Bancorp Financial Selected Companies Analysis #2 — Selected U.S. Banks. Using publicly available information, KBW compared the financial performance and financial condition of Bancorp Financial to 18 selected major exchange-traded banks headquartered in the U.S. with total assets between $1.0 billion and $2.0 billion and Core LTM ROAA below 0.75%. KBW also reviewed the market performance of the selected companies.

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TABLE OF CONTENTS

The selected companies were as follows (shown by column in descending order of total assets):

| ​ | First Community Corporation          | ​ | ​ | First Financial Northwest, Inc.    | ​ |
| ​ | National Bankshares, Inc.            | ​ | ​ | AmeriServ Financial,