Yahoo! Finance Canada report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Why OSBC Stock surged +3.17% Today — RQD Quant Desk Flash
Old Second Bancorp Inc. (OSBC) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is OSBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Old Second Bancorp Inc. (NASDAQ: OSBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $25.07 (+3.17% 1D, market cap $1.24B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, OSBC ranks #338 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does OSBC compare to CTBI and MCB in the Financials sector?
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Within the Financials sector (Major Banks), OSBC carries a Roarable C (62/100 RQD), trailing P/E of 15.6x, gross margin of —, and ROIC of 9.0%. By comparison, CTBI (Community Trust Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E 13.0x, ROIC 11.5%, cap $1.25B) and MCB (Metropolitan Bank Holding Corp.) posts a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.18B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while HBT leads on capital efficiency (12.5% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for OSBC?
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Per OSBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357173), Old Second Bancorp Inc. generated $2.90B in revenue (+22.2% YoY), $80.3M in net income, and $117.8M in free cash flow against $6.90B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)
⚔️ Adversarial Opposing Case: Why the OSBC Bull Thesis Could Fail
Even with a 62/100 (C) score, OSBC faces multiple-compression risk if 15.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($24.94) or 200D SMA ($22.54) invalidates the momentum regime and cuts Target Base ($25.52) toward Bear Floor ($19.91).
Why OSBC Stock surged +3.17% Today — RQD Quant Desk Flash
Old Second Bancorp Inc. (OSBC) surged +3.17% to $25.07, trading at 88% of its 52-week range ($17.61 – $26.06). Solid steady margins (9% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 88% of its 52-week range ($17.61 – $26.06) with RSI-14 at 42.9 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.5% around $25.07 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $117.8M annual free cash flow.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
StockStory report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Old Second Bancorp reported third quarter 2026 results with net interest income of US$84.05 million and net income of US$28.94 million, alongside a completed 3.01% share repurchase tranche and a US$0.08 per share cash di
Deposit competition pressures margins now, but loan book repricing soon offers natural relief.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (OSBC Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
OSBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +22.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OSBC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OSBC. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OSBC)
1. Head-to-Head Financials Peer Comparison (OSBC vs. CTBI, MCB, AMTB, HBT)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Old Second Bancorp Inc. (OSBC) ranks #338 by composite RQD confidence (62/100, grade C) and #516 by equity capitalization ($1.24B). Within this direct 5-issuer industry benchmark cohort, CTBI leads on earnings valuation at 13.0x trailing P/E, while HBT leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. HBT currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with OSBC at 62/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| OSBC
ACTIVE
Old Second Bancorp Inc. | C | 62/100 | 15.6x | — | 9.0% | +3.17% | $1.24B | Benchmark Subject |
| CTBI Community Trust Bancorp Inc. | D+ | 57/100 | 13.0x | — | 11.5% | +1.52% | $1.25B | /ctbi-vs-osbc → |
| MCB Metropolitan Bank Holding Corp. | C+ | 66/100 | 16.8x | — | 9.6% | +2.30% | $1.18B | /mcb-vs-osbc → |
| AMTB Amerant Bancorp Inc. (Class A) | C+ | 66/100 | 22.4x | — | 5.6% | +1.67% | $1.17B | /amtb-vs-osbc → |
| HBT HBT Financial Inc. | C+ | 69/100 | 17.4x | — | 12.5% | +2.71% | $1.33B | /hbt-vs-osbc → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000357173 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), Old Second Bancorp Inc. (OSBC) reported GAAP revenue of $2.90B (+22.2% vs. FY2024 revenue of $2.37B , and +555.4% cumulative change since FY2023) , GAAP net income of $80.3M, operating cash flow of $122.3M, and free cash flow of $117.8M (-2.5% YoY). On the balance sheet, OSBC closed FY2025 with $6.90B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.90B | $80.3M | $122.3M | $117.8M | $6.90B | — |
| FY2024 (FY) | 2024-12-31 | $2.37B | $85.3M | $131.5M | $120.7M | $5.65B | — |
| FY2023 (FY) | 2023-12-31 | $442.3M | $91.7M | $116.4M | $116.4M | — | — |
3. OSBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs OSBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Old Second Bancorp Inc. (NASDAQ: OSBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $25.07 (+3.17% 1D, market cap $1.24B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, OSBC ranks #338 in composite RQD confidence.
How does OSBC compare to CTBI and MCB in the Financials sector?
Within the Financials sector (Major Banks), OSBC carries a Roarable C (62/100 RQD), trailing P/E of 15.6x, gross margin of —, and ROIC of 9.0%. By comparison, CTBI (Community Trust Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E 13.0x, ROIC 11.5%, cap $1.25B) and MCB (Metropolitan Bank Holding Corp.) posts a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.18B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while HBT leads on capital efficiency (12.5% ROIC).
What are the biggest fundamental strengths and SEC risk factors for OSBC?
Per OSBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357173), Old Second Bancorp Inc. generated $2.90B in revenue (+22.2% YoY), $80.3M in net income, and $117.8M in free cash flow against $6.90B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Where is OSBC trading relative to its 50-day, 200-day, and 52-week technical levels?
OSBC last traded at $25.07 (+3.17% on volume of 558,397 shares), positioning the stock +0.52% above its 50-day simple moving average ($24.94) and +11.22% above its 200-day simple moving average ($22.54). Across its 52-week range of $17.61 to $26.06, OSBC sits at the 88.3% percentile with a 14-day RSI of 42.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($23.94 to $26.20).
OSBC — Old Second Bancorp Inc.: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Old Second Bancorp Inc. (OSBC) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $25.07 (+3.17% 1D, market capitalization $1.24B).
- Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.0%, gross margin of —, operating margin of —, and free cash flow yield of 9.40%.
- Whale 13F & Options Flow (9/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..3B, while the market data reports $1.25B. —: product lines, customer segments, and revenue model details.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Old Second Bancorp Inc. (OSBC) reported $2.90B in annual revenue (up from $2.37B in FY2024, +22.2% YoY) and $80.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($442.3M revenue, $91.7M net income) through FY2025, OSBC scaled operating cash flow to $122.3M and free cash flow to $117.8M, backed by $6.90B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (C • RQD 62/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.40% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $17.61 – $26.06 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.6x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
—: upstream and downstream dependencies, sector correlations, and second-order bottlenecks. The one sector-level read in the source is the Roarable RQD rating's note on sector sensitivity, which is not quantified. Investors should watch the deposit-shift and charge-off themes raised in the news wire, as these are the most direct candidates for second-order effects on earnings, though the source does not model them.
- Key Question #1: Can OSBC sustain or expand its — operating margin and 9.0% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $2.90B and free cash flow of $117.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is OSBC's 14.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
OSBC Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Old Second Bancorp Inc. (OSBC) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
StockStory report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Second Bancorp Inc. (OSBC) market action, institutional positioning, and fundamental catalysts.
OSBC Bull vs. Bear Conversation Board — What's Your Call at $25.07?
Insider conviction scores 16/20 and the stock offers a 9.4% FCF yield at a 14.5 forward P/E.
Insider conviction scores 16/20 and the stock offers a 9.4% FCF yield at a 14.5 forward P/E.. When you look under the hood at OSBC, Fundamental Cash Engine is 12/20 with 0.0% gross margins and 9.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (9/20) has been quietly accumulating below $26.06. My 12M target is $30.86.
@MacroHawk_NYC Agree on the RQD 62/100 quality, though with 1.0 beta I'm scaling in with half-size at $24.30 and keeping dry powder in case we test $22.60.
Institutional flow scores only 10/20 and the company reportedly missed Q3 2026 revenue estimates.
Fading this rally in OSBC at $24.30. Institutional flow scores only 10/20 and the company reportedly missed Q3 2026 revenue estimates.. With a beta of 1.0 and the stock sitting at $24.30 (52-wk range $17.61–$26.06), the easy multiple expansion is already priced in.