B+
Bull case
25%
Probability
Target price
$27.50
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
OSBC
Old Second BancorpCNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
55%
Probability
Target price
$25.50
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-27
Recent news sentiment (30D)
+17.0
Positive
Company
-
Unavailable
Macro
+17.0
Positive
Pulse
-
Unavailable
Weekly research (10D)
+4.2
Mixed
Sentiment proxy
+61.6
Score
AI commentary
The company filed its Q2 results in the July 22 8-K and held the earnings call on July 23. [#SEC-8K-2026-07-22] External earnings coverage reported a $0.54 EPS result versus a $0.55 forecast, $96.59 million revenue versus $94.85 million expected, and a roughly 2.65% stock reaction. A July 26 analyst snapshot showed a $24.20 average target, with targets ranging from $23 to $26, but no clearly attributable post-print individual revision. News tone is mildly positive, while social, options, short-interest, and employee-sentiment data remain unavailable.
RankAlpha Sentiment Codex - 2026-07-27
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-22eventQ2 earnings showed strong margin and operating performanceMedium impact
Q2 net income was $28.2 million, diluted EPS was $0.54, tax-equivalent NIM reached 5.23% (+9 bps QoQ), noninterest income rose 5%, and ROAA improved to 1.65%. Asset-quality metrics also declined meaningfully. [#SEC-8K-2026-07-22]
2026-10-25catalystCredit normalization and margin follow-throughMedium impact
The next evidence point is whether previously identified office, commercial, and Powersports losses fade while Q2's margin improvement persists. Management reported $9.2 million of net charge-offs but linked much of the impact to known problem credits. [#EARNINGS-TRANSCRIPT-2026Q2]
2027-06-30catalystDiscretionary capital return supports per-share valueMedium impact
The company authorized up to $61.2 million of share repurchases from July 1, 2026 through June 30, 2027, alongside its quarterly dividend policy. The authorization is discretionary and not an obligation. [#SEC-8K-2026-06-25]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-27 • Updated nightlySource: Internal modelMethodology