Some OSM contributors go brand-by-brand/operator-by-operator in making sure OSM features have the most up-to-date opening hours added to them from matched ATP features. As such, OSM may be fairly accurate for chains too.
For a standalone shop or restaurant the opening hours situation is usually still better with Google Maps rather than OSM. There aren't enough OSM contributors who care enough to check and maintain opening hours for every shop, restaurant, fuel station, etc.
Google has the benefit of having their own street-level imagery for house numbers and street names, Android devices for real-time traffic info, and the ability to simply scrape web pages for shop data including opening hours. but in places with a reasonable number of active mappers, OSM is so much richer and more up to date.
Organic Maps didn’t accept my PR with it…
I'm sure it annoys the stores that keep their website and Yelp etc. updated but there is no way to know who is reliable.